Aafreen Merchant
Toronto,ON
Summary
Detail-oriented and results-driven Financial Services Professional with experience in loan processing, credit assessments, and client relationship management. Proven expertise in reviewing and processing loan contracts, ensuring compliance with internal policies and assessing client risk. Skilled in collaborating with cross-functional teams, including underwriters and operations team, to provide timely and accurate financial solutions. Proficient at managing high-volume transactions, maintaining organized records, and delivering exceptional customer service in fast-paced environments. Seeking to leverage, strong background in financial reporting, client servicing, and operational efficiency to contribute to the success of the organization.
Overview
4
4
years of professional experience
Work History
Financial Services Representative
Easyfinancial Services
03.2024 - Current
- Collaborated with clients to develop personalized financial planning strategies and solutions, analyzing their finances to create optimal financial outcomes by thoroughly assessing their cash flow to help ensure financial stability.
- Maintained accurate and comprehensive records of all financial documents, ensuring full traceability and compliance with internal standards.
- Reviewed and processed loan contracts in accordance with company policy, ensuring accuracy, compliance with management protocols.
- Conducted detailed credit assessments to verify client repayment ability and evaluate risk level according to risk metrics set by the organization.
- Collaborated with the underwriting team to finalize loan applications, ensuring all necessary documents were obtained and verified and compliant with lending policies.
- Communicated with clients via phone and email to resolve inquiries and provide updates on loan processing status and ensure customer satisfaction.
- Maintained organized and up-to-date loan account records on CRM software, ensuring seamless coordination with the underwriting team for high-risk approvals.
- Made outbound sales dials and sent follow-up emails to engage potential clients, introduce financial services, and drive new business growth through effective communication and relationship-building
Customer Service Representative
Canadian Tire
05.2023 - 12.2023
- Responded to customer inquiries regarding products, services, and company information, ensuring timely and accurate responses.
- Provided tailored recommendations to customers, offering excellent support and addressing their specific needs to enhance satisfaction.
- Demonstrated high energy and professionalism in client interactions, building strong relationships with both clients and team members.
- Managed the replacement of damaged or missing products, ensuring timely resolutions and maintaining customer satisfaction.
- Handled multiple customer service tasks, including cash handling and issue resolution, in high-pressure situations while maintaining professionalism.
- Promoted and upsold the Canadian Tire loyalty membership program, clearly communicating the benefits to customers and driving enrollment, resulting in increased customer retention and sales.
Client Service Leader
H&R Block
01.2023 - 04.2023
- Developed and maintained client relationships, fostering long-term partnerships while actively seeking new business opportunities.
- Improved staffing efficiency during peak periods by creating employee schedules and proactively monitoring call-outs.
- Provided administrative support during high-volume periods, streamlining operations and improving team efficiency.
- Served as the primary contact for client-related concerns, resolving issues with professionalism and maintaining positive client relations.
- Addressed customer problems directly, implementing successful corrective actions to ensure satisfaction and retention.
- Conducted 100 outbound calls to confirm appointments, provide updates on services, and promote high-value offerings, resulting in increased client engagement and retention
Accountant-Financial Reporting & Reconciliation
Times Global Broadcasting Limited
08.2020 - 10.2022
- Performed daily bank reconciliations for three companies using Microsoft Excel and SAP, ensuring financial accuracy and transparency while reducing discrepancies.
- Managed daily cash flow and monitored debtor funds to maintain optimal liquidity and support overall financial stability.
- Prepared monthly investment accounting sheets and managed fund requirements, enabling data-driven financial decision-making.
- Compiled end-of-month provision sheets, accurately reflecting expenses and liabilities to enhance financial reporting.
- Assisted with monthly account closures, ensuring compliance with deadlines and maintaining data integrity across financial systems.
- Developed and maintained cost schedules to analyze and allocate expenses, providing insights for effective budgeting and financial planning.
- Optimized month-end closing procedures, reducing processing time through improved reconciliation workflows and cross-department collaboration.
Education
MBA - Finance
University Canada West
Vancouver, BC04-2024
Masters of Commerce - Accounting And Finance
SMT MMK COLLEGE
India10-2022
Bachelor of Accounting And Finance - Accounting And Finance
SMT. MMK College
India10-2020
Skills
- Loan Processing
- Credit Risk Assessment
- Financial Analysis & Compliance
- Client Communication
- Client Relationship Management (Salesforce)
- Collections & Debt Recovery
- Sales & Cross-Selling
- Regulatory Compliance
- Time Management & Multitasking
- Financial software (SAP and Microsoft)
Timeline
Financial Services Representative
Easyfinancial Services
03.2024 - Current
Customer Service Representative
Canadian Tire
05.2023 - 12.2023
Client Service Leader
H&R Block
01.2023 - 04.2023
Accountant-Financial Reporting & Reconciliation
Times Global Broadcasting Limited
08.2020 - 10.2022
MBA - Finance
University Canada West
Masters of Commerce - Accounting And Finance
SMT MMK COLLEGE
Bachelor of Accounting And Finance - Accounting And Finance
SMT. MMK College
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