Simran Bharaj

Professional mortgage underwriter with a strong record of approved loans and experience in finance for almost six years total. Efficient in using system as Filogix, Velocity, and VINMO. I provide quality income and asset analysis for residential mortgages, proficient in working with brokers, managing risk of any loan, and reviewing applications and supporting documents. I am meticulous in providing error-free documentation and ensuring compliance with company policy and regulatory requirements.

Evaluate credit worthiness of borrowers to render credit decisions. Accurately calculate borrowers’ income and debt-to-income ratios. Verifying/validating data from client for accuracy. Maintain communication with management on status of loans in process, ensure all tracking is kept up to date on loan status.

Determine the documented loan conditions and communicating requirements and/or decisions. Analyze borrower’s credit profile, collateral, and capacity to repay the proposed mortgage obligation. Ensuring compliance requirement for all mortgage brokers.

Simon Fraser University, Burnaby, BC Canada

Bachelor of Arts and social science – Four-year program focused on studying economics, and labour relations.