Summary
Overview
Work History
Education
Skills
LinkedIn
Timeline
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DIVYA RAMESH

Calgary,AB

Summary

Dedicated and organized financial professional with outstanding relationship-building and problem-solving skills and passionate about credit risk management. Driven to exceed expectations and operate effectively in fast-paced, high-pressure environments. Dynamic and reliable with exceptional customer service and communication skills. Proven experience in assisting clients with lending, mortgage solutions and investment management and helping clients make crucial financial decisions whilst adhering to overall risk to the organization.

Overview

11
11
years of professional experience

Work History

Associate Private Banking Advisor

CIBC Wealth Management
Cakgary, Alberta
11.2023 - Current
  • Provided advice on various banking products such as savings accounts, loans, investments, insurance policies and credit cards.
  • Reviewed client portfolios regularly to ensure compliance with established risk parameters.
  • Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
  • Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness and determined appropriate loan terms
  • Provided recommendations regarding loans applications based on sound credit evaluation principles.

Associate Financial Advisor

CIBC
07.2022 - 11.2023
  • Interviewed clients to determine income, expenses, financial objectives and risk tolerance in order to develop successful financial plans.
  • Analyzed loan risk and reviewed loan conditions and requirements.
  • Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Maintained compliance with company and regulatory policies.

Financial Advisor

TD Canada Trust
Calgary, AB
06.2021 - 07.2022
  • Consulted with clients to assess and meet short- and long-term financial goal.
  • Developed and deepened relationships with new and existing clients to advance progress and improve business.
  • Assisted clients with investment planning using mutual funds and other strategies as well as lending needs.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Developed and expanded financial planning relationships with customers through loyal and dedicated service.

PERSONAL BANKING ASSOCIATE

TD Canada Trust
Calgary, Alberta
02.2019 - 06.2021
  • Opened new accounts and created member account profiles on organization's online banking program.
  • Analyzed Client's financial variances and made loan recommendations whilst serving their financial needs.
  • Mitigated risk when necessary and offered alternative solutions.

CUSTOMER EXPERIENCE ASSOCIATE

TD Canada Trust
Calgary, Alberta
08.2018 - 02.2019
  • Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
  • Played a critical role in the first line of defense structure within the organization by developing and monitoring necessary risk controls.

TEAM MEMBER

Tim Hortons
Toronto, ON
04.2016 - 04.2018
  • Maintained high standards of customer service during high-volume, fast-paced operations

MARKETING ASSISTANT

MediaEdge Communications Inc.
Toronto, ON
04.2017 - 10.2017
  • Developed organizational and communication skills with oral and written communication through customer correspondence and marketing campaigns.
  • Worked with vendors to complete projects according to schedule and specifications.

ADMINISTRATIVE ASSISTANT

Gratitude India
Mumbai, India
04.2013 - 05.2013
  • Administrative duties and basic record keeping
  • Coordinating between the potential candidates and the organization of hire

Education

Canadian Investment Funds Course - Mutual Funds

IFSE Institute
Mississauga, ON
2019

Marketing Management - Financial Services - Business

George Brown College St. James Campus
Toronto, ON, Canada
2018

Financial Planning - Business

George Brown College St. James Campus
Toronto, ON, Canada
2016

Bachelor of Managemental Studies - Business

Mumbai University (MU)
Mumbai, MH, India
2015

LEVEL 1 Candidate - Chartered Financial Analyst

CFA

Skills

  • Customer service and Quality assurance
  • Analytical and Problem solving skills
  • Confident Presentation, Communication and Interpersonal skills
  • Ability to excel in Team environment
  • Committed to quality performance and fast learner
  • Flexibility to work in an ever-changing environment
  • Adhering to guidelines to mitigate risk
  • Accurately tracking all tasks to timely completion
  • Judgmental Lending & Credit Analysis
  • Financial History Analysis & Income Evaluation
  • Creditworthiness Determination & Credit History Review
  • Active Listening and Learning

LinkedIn

www.linkedin.com/in/divya-r

Timeline

Associate Private Banking Advisor

CIBC Wealth Management
11.2023 - Current

Associate Financial Advisor

CIBC
07.2022 - 11.2023

Financial Advisor

TD Canada Trust
06.2021 - 07.2022

PERSONAL BANKING ASSOCIATE

TD Canada Trust
02.2019 - 06.2021

CUSTOMER EXPERIENCE ASSOCIATE

TD Canada Trust
08.2018 - 02.2019

MARKETING ASSISTANT

MediaEdge Communications Inc.
04.2017 - 10.2017

TEAM MEMBER

Tim Hortons
04.2016 - 04.2018

ADMINISTRATIVE ASSISTANT

Gratitude India
04.2013 - 05.2013

Canadian Investment Funds Course - Mutual Funds

IFSE Institute

Marketing Management - Financial Services - Business

George Brown College St. James Campus

Financial Planning - Business

George Brown College St. James Campus

Bachelor of Managemental Studies - Business

Mumbai University (MU)

LEVEL 1 Candidate - Chartered Financial Analyst

CFA

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