Khushboo Kanwar
Carrollton
Summary
Over a Decade of experience in Finance domain, with deep expertise in AR, AP with Fortune500 companies including leading financial institutions i.e., Commercial Distribution Finance GE Capital, Wells Fargo, Amazon, American Express etc. Hands-on expertise in reconciliation, process improvement and AP Management leveraging Fin Tech Applications. Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Overview
11
11
years of professional experience
Work History
Senior Commercial Loan Servicing Representative
Wells Fargo Bank, N.A.
Irving
03.2026 - Current
- Client Relationship Management – Act as the primary point of contact for commercial borrowers. Build and maintain long-term relationships with business clients Manage a portfolio of commercial loans. Monitor loan performance and repayment behavior. Ensure loans remain compliant with credit policies and covenants.
- Manage servicing operations for commercial loan portfolios supporting Trade Capital clients, ensuring accurate processing of loan payments, interest adjustments, and account maintenance.
- Functioned as the main client contact for business customers and resolved servicing inquiries.
- Coordinated with relationship managers, credit teams, and operations to ensure seamless service delivery, timely issue resolution, and adherence to bank policies.
- Monitor loan documentation and servicing activities to ensure regulatory compliance and internal policy adherence.
- Support trade finance and working capital facilities, including lines of credit and structured commercial lending products.
- Conducted client demonstrations of banking applications and servicing platforms to enhance client proficiency in digital tools for loan management and reporting.
- Prepared and delivered portfolio and operational reports for internal stakeholders to facilitate risk monitoring, compliance, and performance analysis.
- Contribute to process improvements and operational efficiency within the commercial loan servicing function.
Commercial Loan Servicing Representative
Wells Fargo Bank, N.A.
Irving
04.2024 - Current
- Investigated and resolved exceptions related to commercial loan payments, including missing, incorrect payments, and payment discrepancies, enhancing accuracy in payment processing.
- Collaborated with internal teams, including Loan Operations, Credit and Sales, Cash Operation, Collateral, Client Accounting, and Customer Maintenance, to resolve exceptions, ensuring seamless customer service.
- Payment Application- Apply payments to commercial specialty customers loan accounts, ensuring accurate and timely application.
- Identified and implemented changes to exception management processes, reducing exceptions and enhancing customer satisfaction.
- Customer Maintenance- Perform customer maintenance tasks, such as updating customer information and resolving customer inquiries.
- Data Analysis- Analyze data to identify trends, patterns, and root causes of exceptions, and provide insights to improve processes.
- Provide Reporting and Analytics to support exception management and process improvement initiatives.
- Participate in Training and Development programs to enhance knowledge and skills in commercial loan servicing and exception management.
- Technical Skills- Proficiency in commercial loan servicing software, Microsoft Office, and other technical tools.
Senior FinOps Analyst (IC)
Amazon Development India
11.2019 - 05.2023
- Compliance and Regulatory reporting - Ensure compliance with government regulations related to accounts payable processes.
- Prepared and submitted accurate and timely reports to government portal.
- Identified defects in payment transactions through systematic reviews and data analysis, enhancing accuracy in accounts payable.
- Dashboard Development - Design and develop dashboards to monitor and report on accounts payable payments.
- Provide visual representations of payment data for government reporting purposes.
- Collaborated with finance, compliance, and IT teams to align payment processes with organizational goals and regulatory requirements, ensuring seamless operations.
- Proactively identified and implemented process improvements in accounts payable payment processes, contributing to streamlined workflows.
- Implement best practices to streamline workflows and reduce defects.
- Training and Documentation - Develop and deliver training sessions for accounts payable staff on payment processes, compliance, and defect resolution.
- Investigate and resolve discrepancies. Ensure compliance with company policies, as well as local and national regulations.
- Maintain accurate and organized records of accounts payable transactions and related documentation.
Process Developer
Genpact India
06.2016 - 11.2019
- Subject matter expert in Finance Ops. 2yrs with Wells Fargo, and 2yrs with Thomson Reuters.
- Tested immigration processes in UAE project for Wells Fargo.
- Created SOP to make sure the Application Moxie doesn’t impact immigration.
- Preparing weekly, monthly, and yearly governance dashboard to brief on the governance meeting to on-site team.
- Implemented the resolution to avoid future errors by doing RCA.
- Respond to inquiries from internal users regarding credit risk management tools, processes, and systems.
- Provide timely and accurate assistance to help users navigate and troubleshoot issues.
- Collaborate with IT and other relevant departments to resolve technical problems promptly.
- Conduct training sessions for users on credit risk management processes and tools.
- Develop and update training materials to ensure users are well-informed about best practices. (SOP Update)
- Provide insights and recommendations based on data analysis to enhance risk management strategies.
- Responsibilities include weekly reporting, client calls and dashboards, SOP Creation, RCA Plans, Customer front helpdesk – calls, problem solving cases.
- Rewarded for Exemplary performance and client delight in NAM Banking Award (National American Banking) by Wells Global Leads.
- Engaged in project focused on enhancing quality and digital processes.
- Additionally worked as an HR assistant, Performing HR duties for entire site of 300 head count. Organized Team engagement program, Reward and recognition events, new hire onboarding, CSR Activities, Sports Activities, all engagement activities.
Business Analyst
Genpact India
12.2014 - 06.2016
- Business Analyst for GE-Commercial Distribution Finance & Finance Approvals process.
- Audits, Pre-Authorization of approvals, reconciliation to customers.
- Worked on Migration project GE-Wells Fargo CDF/Int Finance Business.
- Generate reports for management review.
- The pre-authorization process helps assess the creditworthiness of the borrower and establishes the framework for the financing arrangement.
- For individual transactions within a financing arrangement, pre-authorizations may occur to ensure that the necessary funds or credit are available before the transaction takes place.
- This is common in scenarios where distributors or businesses may need pre-approval for financing specific inventory or accounts receivable.
- Callbacks that occur after a transaction has been processed to verify details and ensure accuracy.
- This can involve confirming transaction amounts, terms, and other relevant information.
- Post transactions verification to make sure that Callbacks are crucial for preventing errors, detecting fraud, and maintaining the integrity of the financing process.
- Periodic review and monitoring of the cases, Exception handling and compliance check.
- To ensure compliance with internal policies, industry regulations, and legal requirements.
- This is particularly important in industries where regulatory compliance is a significant consideration.
Education
MBA - Business Administration And Management
University of Rajasthan
Jaipur06-2014
Skills
- Loan servicing
- Client relationship management
- Regulatory compliance
- Data analysis
- Process improvement
- Commercial lending
- Corporate card Expense
- Credit Risk management
- Global Reconciliation
- Audit/SOX Audit
- Government Dashboard
- Global Payments processing
Timeline
Senior Commercial Loan Servicing Representative
Wells Fargo Bank, N.A.
03.2026 - Current
Commercial Loan Servicing Representative
Wells Fargo Bank, N.A.
04.2024 - Current
Senior FinOps Analyst (IC)
Amazon Development India
11.2019 - 05.2023
Process Developer
Genpact India
06.2016 - 11.2019
Business Analyst
Genpact India
12.2014 - 06.2016
MBA - Business Administration And Management
University of Rajasthan