Akshay Kumar
Summary
Personable Mortgage Specialist with 5-year background in developing and maintaining customer relationships in banking industry. Sound knowledge of federal regulations and underwriting processes. Skilled in evaluating financial histories of clients and building network of money lenders and buyers. Hardworking and flexible individual with full-time hours of availability per week, including weekends and evenings.
Overview
5
5
years of professional experience
Work History
Mobile Mortgage Specialist
TD Bank
06.2023 - Current
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Enhanced team productivity by mentoring junior mortgage specialists and sharing best practices.
- Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
Senior Financial Advisor
Envision Financial
04.2022 - 05.2023
- Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio.
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
- Provided specialized financial planning support for clients with diverse portfolios and individual needs.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Assisted clients with preparing financial plans, conducting investment research and completing trades and transactions to assess and meet financial goals.
- Managed client portfolios on consistent basis and contacted clients to provide details on investments.
- Engaged prospective clients in effort to build and develop new business opportunities.
- Met with clients to discuss assets, expenses and long-term and short-term investment goals to devise personalized financial plans.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on individual needs.
Senior Financial Advisor
Scotiabank
12.2021 - 03.2022
- Taking a proactive approach to discovering customer needs, listening to understand what they are asking for
- Educating customers, providing relevant insights and expert advice
- Building customer's comprehensive plans using a holistic approach to help them achieve their goals
- Nurturing strong, long-standing relationships
- Developing, retaining and growing the branch business by delivering against individual and team sales goals that support a positive customer experience
Financial Advisor
TD
09.2021 - 11.2021
- Advising Customer of high-level financial solutions from a range of available investment and credit banking solutions
- Engaging with clients and creating positive experiences to retain and deepen relationship
- Acting as a point of contact for the frontline staff in handling customer problems
- Ensure documents are prepared consistent with relevant regulations and in a way properly reflecting business intention
- Participating fully as a team member, helping in building a positive and diverse work environment, willingly assisting and mentoring others in the completion of work activities, and address communication issues efficiently
- Working closely with existing and prospective customers to provide financial reviews, discuss portfolio updates and suggest additional personalized solutions based on their financial goals.
Senior Financial Services Representative
CIBC
04.2021 - 08.2021
- Mentors other branch employees in the understanding of lending and investment products and services; and provides advice or assists employees with member issues in management's absence
- Processes a full range of complex member transactions including, but not limited to: MFDA products and services; retail mortgages, personal and RRSP loans; opening personal or business accounts, debit/ credit cards, Loc/overdraft protection, and related insurance products
- Supports achievements of annual branch goals and objectives through proactive promotion of FI products and services; participation in branch campaigns, and actively seeks potential cross-sell and /or referral opportunities during interaction with members or general public
- Achieved annual sales and referral targets
- Builds strong relationship with current and potential members; identifies member life stage cycle and provides financial advice to members or refer to appropriate advisor
- Manages an assigned portfolio of members through proactive regular contact, ensuring current and future needs are identified and met.
Financial Service Representative
CIBC
02.2019 - 03.2021
- Communicate with Clients to learn about their needs and help them achieve their goals
- Provide investment advice and recommendations for personalized solutions to members including monthly investment plans, term deposits, registered plans and mutual funds
- Build strong relationship with tellers and provide mentorship that supports and encourages advice conversation with clients and referrals to Sales Team
- Participate fully as a team member, help build a positive and diverse work environment
- Help client with all kind of credit needs including credit cards, line of credits, loans and Mortgage.
Education
Certificate in Financial Service Advise -
CSI
Investment Funds in Canada-IFIC -
CSI
Diploma - Computing Science And Information Technology
Douglas College
New Westminster, BC12.2017
High school diploma -
St. Theresa's Convent School
Karnal, Haryana03.2014
Skills
- Loan Servicing
- Client needs analysis
- Residential mortgage lending regulations
- Document Review
- Employment Verification
- Credit analysis
- Appraisal review
- Loan Documentation
- Credit Verification
- Relationship Management
- Real estate knowledge
Languages
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
Timeline
Mobile Mortgage Specialist
TD Bank
06.2023 - Current
Senior Financial Advisor
Envision Financial
04.2022 - 05.2023
Senior Financial Advisor
Scotiabank
12.2021 - 03.2022
Financial Advisor
TD
09.2021 - 11.2021
Senior Financial Services Representative
CIBC
04.2021 - 08.2021
Financial Service Representative
CIBC
02.2019 - 03.2021
Certificate in Financial Service Advise -
CSI
Investment Funds in Canada-IFIC -
CSI
Diploma - Computing Science And Information Technology
Douglas College
High school diploma -
St. Theresa's Convent School
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