Saranjeet Kour
@saranjeetkour
Experienced banking professional specializing in retail lending, underwriting, compliance, and operations.
IndiaWhat I'm looking for
I am a dedicated, analytical financial professional with nearly 10 years of experience in personal banking, retail loans, underwriting, and branch operations. I am CAMS certified and have a proven track record in transaction monitoring, KYC/CDD, regulatory compliance aligned with RBI guidelines, and driving deposit growth through proactive client engagement.
I have extensive hands-on experience across the end-to-end retail loan lifecycle—loan adjudication, documentation, processing, and post-sanction follow-up—having worked as a credit underwriter and senior underwriter managing mortgage, personal, and retail loan portfolios while coordinating with 50+ branches. I am skilled at preparing error-free appraisal notes, collaborating with compliance and operations teams, and performing AML, fraud, and payment investigations.
I am a motivated self-starter with strong communication, organizational, and problem-solving skills, comfortable handling high-volume tasks and tight deadlines. I adapt quickly to feedback and new technologies, mentor frontline teams, and focus on operational excellence and risk mitigation to support business growth.
Experience
Work history, roles, and key accomplishments
Loan Solutions Consultant
Fairstone Bank
Dec 2024 - Jan 2025 (1 month)
Assessed and closed loan applications both virtually and in person, ensuring accurate adherence to credit policy and timely processing while managing past-due follow-ups and cash controls.
CBSenior Underwriter Specialist
Canara Bank
Jun 2021 - Sep 2023 (2 years 3 months)
Reviewed and approved retail, mortgage, and personal loan proposals, prepared error-free office notes and appraisals, and coordinated with 50+ branches to ensure timely reporting and post-sanction disbursals.
CBCredit Underwriter
Canara Bank
Aug 2018 - May 2021 (2 years 9 months)
Assessed creditworthiness for retail, mortgage, and personal loan requests by analysing financials, collateral and credit history, ensuring compliance and maintaining client credit files.
CBRelationship Officer - Deposit
Canara Bank
Dec 2015 - Jul 2018 (2 years 7 months)
Supervised daily branch operations, drove deposit sales to meet SLAs, managed government transactions and clearing, and handled KYC, transaction monitoring and customer escalations.
CBPersonal Banking Associate
Canara Bank
Feb 2014 - Dec 2015 (1 year 10 months)
Managed account openings, KYC/CDD, daily transactions and cash handling, promoted ancillary products, and provided digital banking support while maintaining accuracy in customer service tasks.
CBBanking Trainee
Canara Bank
Jan 2013 - Dec 2013 (11 months)
Trained across customer service, account management and basic loan evaluation processes, assisting in transactions, account openings and credit risk assessments to support branch operations.
Education
Degrees, certifications, and relevant coursework
IUIK Gujral Punjab Technical University
Bachelor of Technology, Electronics and Communication
Bachelor of Technology in Electronics and Communication providing foundational engineering knowledge in electronics, signal processing, and communications.
ASACAMS (Association of Certified Anti-Money Laundering Specialists)
CAMS – Certified Anti-Money Laundering Specialist, Anti-Money Laundering / Compliance
Completed Certified Anti-Money Laundering Specialist (CAMS) certification to demonstrate expertise in AML, transaction monitoring, and compliance best practices.
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
Interested in hiring Saranjeet?
You can contact Saranjeet and 90k+ other talented remote workers on Himalayas.
Message SaranjeetFind your dream job
Sign up now and join over 100,000 remote workers who receive personalized job alerts, curated job matches, and more for free!
