Harpreet Singh Bhanu

Results-driven banking, revenue administration, and financial services professional with 8+ years of experience across loan processing, home loans, loan against property (LAP), mortgage operations, insurance sales, and government land revenue administration. Strong expertise in file processing, disbursement, credit evaluation, document verification, property valuation, client relationship management, and regulatory compliance. In-depth understanding of land laws, banking operations, securities, and corporate law fundamentals.

Solid exposure to US Mortgage underwriting concepts including the 4 Cs (Credit, Capacity, Capital, Collateral), DTI, LTV, income analysis, and risk assessment. Seeking opportunity in US Mortgage Underwriting / Pre-Underwriting / Loan Processing roles in a global financial services organization.

Assistant Patwari at Revenue Department, Tehsil Office Garhshankar (2017-07 – 2019-03)

• Maintained land records and revenue documentation.
• Verified ownership, mutation, and land registry records.
• Assisted in legal land documentation and property verification.
• Supported government land revenue operations and field inspections.
• Handled citizen queries related to land ownership and records.

HBL (Agriculture & Loan Support) at HDFC Bank (2019-03 – 2021-08)

• Supported agriculture and loan-related financial services.
• Assisted in home loan and mortgage file preparation.
• Verified borrower documents including income, KYC, and property records.
• Coordinated file processing and preliminary credit assessment.
• Assisted in loan disbursement documentation.
• Ensured compliance with banking policies and regulatory guidelines.

Relationship Manager – Home Loan & LAP at AU Small Finance Bank Ltd (2021-08 – 2024-08)

• Managed Home Loan and Loan Against Property (LAP) portfolio.
• Handled end-to-end loan lifecycle from sourcing to disbursement.
• Performed credit evaluation, income analysis, and repayment capacity checks.
• Conducted property valuation support and legal documentation review.
• Applied underwriting principles including 4 Cs of credit analysis.
• Coordinated with legal, technical, and credit teams for approvals.
• Built strong client relationships and achieved sales targets.

Sales Manager – Insurance Division at Aditya Birla Health Insurance Co. Ltd (2024-11 – 2026-05)

• Managed health insurance and commercial insurance sales operations.
• Advised clients on suitable insurance plans based on financial needs.
• Handled policy documentation, issuance, and claims coordination.
• Ensured compliance with IRDA regulations.
• Developed and maintained strong customer portfolio.

Bachelor of Arts in B.A. (2015)

Senior Secondary in 10+2 (2009)