Highly skilled Lending Specialist with expertise in data accuracy and risk analysis. Hardworking professional with over 8 years of assisting clients through various means of customer service, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures, as well as preparing thorough reports and exercising task prioritization skills.
BMO Bank of Montreal / BMO Banque de Montréal | July 2022 - Present | 1 year 6 months | Mississauga
Responsibilities:
• Providing adjudication services for clients - to determine whether or not they qualify for credit products, limit changes, and/or collateral releases
• Reviewing customer profiles for accurate information to mitigate and perform risk analysis
• Provide excellent customer experiences and customer service
• Perform calculations and write rationales with regards to mitigating risk for credit lending
• Protect the bank's reputation by applying critical thinking skills during adjudication processes
• Collaboratively work alongside branch representatives, lending investigators, lending underwriters, customer service, and/or other lending-related departments to provide effective, accurate and excellent experiences to our clients
• Review credit bureau reports (Transunion and Equifax) to complete accurate adjudication
• Complete daily administrative tasks to ensure client accounts and/or applications, as well branch communications are addressed in timely manner
• Communicate effectively with coworkers, customers, and store management
• Manage and resolve customer conflicts
• Assist customers in ensuring they have a smooth-sailing shopping experience - such as answering inventory
or store-related questions, processing returns, working fast and efficiently
• Money management and transaction management - such as ensuring the till is accurate, accurately cashing out customers using various methods (i.e. Debit, Credit, or Cash)
• Provide excellent customer service to ensure satisfaction
• Demonstrated product features, answered questions and redirected objections to highlight positive aspects.
• Worked with floor team and managers to meet wide range of customer needs.
• Work collaboratively in a team setting to accumulate research using various methods
• Collect, review, and organize research materials
• Use all of the main social media sites (Twitter, Facebook, and Instagram) as a tool to collect data about
politicians during their election campaigns
• Prepare research reviews and summaries
• Work collaboratively with the executive team members to ensure current students are engaged with the
department
• Attend bi-weekly meetings to plan upcoming events for students
• Email all Political Science professors to keep up-to-date with course syllabi so that upcoming events are
relevant for students (such as Information Nights during the Elections, Essay Peer Review events, "how to"
events, etc.)
• Work with the Social Media Committee to ensure the posted information is up-to-date and relevant
• Work with the Treasurer to ensure outstanding payments to our online tools are paid, professors are
rewarded with gift cards for being panel speakers, and students who have won contests are given their
rewards
• Reach out to other associations to work together and host collaborative events to increase student
engagement
• Reply to all emails related to academic advising and student experience. Forward all course-related emails
or expert-seeking emails to relevant professors.
Update the company's social media accounts with the latest news and announcements from Toronto's music industry and concerts/events industry
• Created informative and entertaining posts for client's Twitter, Facebook, and Instagram pages.
• Post daily-content related to new artists, up-and-coming artists, new music, concerts/tours, etc.
• Created engaging content to catch attention of potential customers.
• Connect with followers via replying to tweets/comments, replying to messages, create fun/interactive posts
(such as polls) or starting new hashtags/trends (such as #NewMusicMondays or #MusicThrowbackThursdays)
• Conducted daily updates to social media profiles to boost company online presence.
• Evaluated analytics to track campaign success and identify improvement opportunities.
Professional Accomplishments:
• CARDS LENDING - Toronto Social Coordinator
[for team outings and events]
• Team Newsletter Writer and Editor
• Pass Lending Adjudication with personal discretionary limit of 25K CAD
• Complete US Diners training
• Provide mentorship to new hires
• Collaborated with team members as a team lead on multiple projects such as the Newsletter initiative and as the Social Coordinator