Summary
Overview
Work History
Education
Skills
Websites
Certification
Languages
References
Timeline
Generic

Simran Sabharwal

Pune

Summary

Detail-oriented finance and underwriting professional with over 3 years of cross-functional experience in credit risk analysis, loan verification, and customer service. Proven ability to assess loan applications, ensure regulatory compliance, and improve operational efficiency. Adept at stakeholder communication, data management, and delivering high-quality client experiences in fast-paced environments. Fluent in English, Hindi, Marathi, and Punjabi.

Overview

6
6
years of professional experience
1
1
Certification

Work History

Loan Verification Officer / Underwriter (Contract)

FinanceIt
09.2024 - 06.2025
  • Independently assessed and processed a high volume (150+ per month) of loan applications including personal, business, and mortgage products.
  • Verified borrower documentation such as income statements, employment details, and credit scores while ensuring compliance with regulatory standards and internal credit policies.
  • Applied advanced underwriting tools and risk models to evaluate borrower creditworthiness, reducing loan defaults by 10% through data-driven decisions.
  • Worked cross-functionally with sales, loan officers, and compliance teams to ensure timely loan closings and clear communication with clients.
  • Contributed to the revision of internal underwriting guidelines, leading to a 15% improvement in turnaround time.

Financial Services Representative

Parkwest Professional Services
07.2024 - 09.2024
  • Audited and analyzed loan files for financial accuracy, credit strength, and compliance with anti-fraud regulations.
  • Utilized quantitative risk models and frameworks to identify exposure across diverse financial portfolios.
  • Detected inconsistencies and red flags in financial statements, KYC documents, and employment records, leading to proactive fraud prevention.
  • Collaborated with underwriting and legal teams to enhance risk assessment protocols and ensure end-to-end transparency.
  • Developed structured audit reports with actionable insights, enabling risk mitigation and better portfolio management.

Loan Advisor & Underwriter

Spring Financial
02.2024 - 06.2024
  • Provided tailored financial solutions to clients by assessing their creditworthiness, personal goals, and financial standing.
  • Improved funding success rates by 25% through effective client engagement and detailed pre-approval processing.
  • Managed the full underwriting lifecycle—from client outreach and document collection to partner communication and funding approval.
  • Strengthened customer satisfaction by offering responsive, solution-driven support, which helped retain and grow the client base by 22%.
  • Conducted detailed needs analysis and advised clients on a range of products, including personal loans and financial planning options.

Customer Service Supervisor

Hillcrest Bakery
09.2021 - 07.2023
  • Supervised front-line staff and ensured consistent, high-quality customer interactions.
  • Trained team members on service standards, improving response time and efficiency.
  • Resolved escalated customer issues with professionalism and empathy.

Customer Service Representative (Intern)

The Times of India
06.2019 - 07.2019
  • Supported customer queries via phone, email, and in-person channels.
  • Contributed to a 20% increase in customer retention through effective service.
  • Maintained accurate records using CRM tools for performance tracking.
  • Collaborated with the subscription team to resolve billing and delivery issues.

Education

MBA - Human Resources Management

University Canada West
Canada
04-2022

BBA - Forex

Chandigarh University
India
08-2020

Skills

  • Loan Underwriting & Adjudication
  • Credit evaluation
  • Fraud detection
  • Credit Risk Analysis
  • Background checks
  • KYC & Compliance
  • Financial Documentation Review
  • Data Entry & Verification
  • Skilled in CRM & Salesforce
  • MS Excel & Office Suite
  • Investigative techniques

Websites

Certification

Human Resource Management, NPTEL, 2020

Consumer behavior, NPTEL, 2020

Languages

Punjabi
First Language
English
Proficient (C2)
C2
Marathi
Advanced (C1)
C1
Hindi
Advanced (C1)
C1

References

References available upon request.

Timeline

Loan Verification Officer / Underwriter (Contract)

FinanceIt
09.2024 - 06.2025

Financial Services Representative

Parkwest Professional Services
07.2024 - 09.2024

Loan Advisor & Underwriter

Spring Financial
02.2024 - 06.2024

Customer Service Supervisor

Hillcrest Bakery
09.2021 - 07.2023

Customer Service Representative (Intern)

The Times of India
06.2019 - 07.2019

MBA - Human Resources Management

University Canada West

BBA - Forex

Chandigarh University

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Simran Sabharwal