Dalia Potosme

• Review customer financial information to determine eligibility based on documentation provided to cross reference with the application details.
• Analyze customer credit reports, financial statements, other information such as employment, assets, to assess risk profiles.
• Perform due diligence reviews of potential borrowers prior to moving the secure lending file to funding/ closing.
• Participate in training sessions design to improve knowledge, skills related to lending practices and continuous education as changes are updated.
• Ensure adherence to all applicable laws, regulations, policies, procedures governing lending activities.
• Verify client financial information to determine creditworthiness and eligibility.
• Review client documentation and contracts for discrepancies, mistakes, and irregularities to that be fraud.
• Prepare Solicitor Packages for secure lending.
• Advise Mortgage Specialist and Lenders in the branch's across Canda of irregularities. Discuss and review policies and procedures needed to correct or present so the lending product can be funded.

Maintain current knowledge of personal banking and credit card industries, practices, trends, and integrate into customer conversation.
Resolve complex/ unresolved customer situation or escalate to the next higher manager for resolution.
Provide technical training and support to branch employees to maintain operational, sales effectiveness and recommend improvements.
Fulfill sales and service activities for the customer in accordance with approved procedure.
Maintain the confidentiality of customer and bank information.
Exercise judgement to identify, diagnose, and solve problems within given rules.
Work mostly independent.
Identify and report suspicious patterns of activity that are suspected to be related to money laundering.
Review results and performance measures against plans and standards (e.g. sales target, service target, referral targets)
Analyze data and information to provide insights and recommendations.
Build effective relationships with co workers, business partners, and customers.

Coordinate service requests and problem resolution processes to ensure accurate completion and follow up.

Cash Operator -the ability to help the Customer Service Representative's when customer lines are long with basic inquires per day regarding procedures, policies, check verification, deposits, stop payments, balances and lost and stolen credit cards. (Personal and Commercial)

Help customers open and close accounts, apply for loans and make sound financial decisions. (Personal and Commercial)

Probed to understand customer personal investment/ banking needs and integrated marketing promotions and programs

Expand customer relationships by maintaining regular calls/ email follow-up processes and rapport with each customer. (Personal and Commercial)

Build strong rapport with new and existing clients to better serve financial needs and promote branch loyalty. (Personal and Commercial)

Counsel clients on profitable strategies to support informed decision-making on investments, financing and partner sourcing. (Personal and Commercial)

Explain advantages and disadvantages of available financial products to customers to maximize satisfaction. (Personal and Commercial)

Articulate value of various financial products, including mutual funds and insurance policies; educate clients on benefits of individual products.

Retirement and Estate Planning.

Organize and maintain documents, files and records.

Maintained current knowledge of personal investment, practices, trends and integrated into customer conversation.

Built effective relations with internal/external stakeholders

Delivered prompt, accurate and excellent customer service. Assessed clients for Investments and Lending and recommended products and financial strategies to meet needs.

Worked very well with partner referrals. (Advisers/ Wealth/ Personal or Commercial)

Cash drawer operator - this was to help Customer Service Representatives when branch had long customer line ups of walk in clients. I was able to service client's with basic inquires per day regarding procedures, policies, check verification, deposits, stop payments, balances, unauthorized transactions and lost and stolen credit cards. (Personal and Commercial)

Adhered to regulatory and company security and audit procedures.

Opened new customer accounts, including checking, savings and apply or amend lending credit. (Personal and Commercial) *Expanded customer relationships by maintaining regular calls/ email follow-up processes and rapport with each customer.

Mortgage Origination.

Analyzed financial data such as income and credit to ascertain clients' home loan qualification.

Counseled clients on the home purchasing and refinances or equity take loans.

Reviewed financial data, including pay stubs and credit history for borrowers to ascertain qualification.

Summary Experience Built business base by word of mouth as result of maintaining positive relationships with former borrowers. As well as regular calls warm and cold.

Offered assistance and coaching to other Mortgage Associates/ Brokers to help develop new business.

Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.

Presented clients, realtors, solicitors, lenders and other mortgage professionals the benefit of working together to stay connected in the industry.

Build lasting relationships in which I still have today.

Assessed clients for loans/ mortgages/ Insurances and recommended products and financial strategies to meet needs.

Assessed individual clients' financial situations to develop strategic financial planning solutions.

Secured payments by following up with customers which disregarded promise to pay.

Entered member transaction data into online banking software.

Delivered prompt, accurate and excellent customer service though all areas of communication

Evaluated customer account information to assess current issues and determine potential solutions when dealing with collection calls.

Contacted private individuals or businesses by telephone to solicit sales.

Made appointments with interested customers according to schedule availability.