Gowri Manickam

. Assisted clients with property Purchase/sales and leasing

. Held open house in major Banks and prospect clients

. Prepared legal documents including listings and sales contracts

. Provided legal, economic and market advice to prospective clients

. Maintaining and liaising with clients, building relationships with clients to network for future Business.

.Managed the listing process: Pre-Listing, CMA, Presentation Preparation, Listing coordination

Prospect clients by attending local charity events and chamber of commerce

· Built relationship with realtor/ Financial planning community through networking

• Recommended mortgage approval/denial based on client applications reviews.
• Educate and advise clients on the home buying process and manage mortgage applications.
• Assisted clients throughout the mortgage application process
• Updated pipeline and review weekly.
• Initiated and process pf First Mortgage and refinance loan applications
• Reviewed and verified documents as per Mortgage alliance requirements
• Coordinated and scheduled closing dates with borrowers and closing real estate agents
• Analyzed the information provided by the borrower such as their income, assets and their creditworthiness and interpreted loan terms and conditions to borrowers
• Identified problem areas within the loan portfolio; analyze risk and suggest appropriate solutions.
• Monthly completed over 5 mortgage/refinance applications
• Evaluate of client property and credit

• Demonstrated an in-depth understanding of product and service, by providing needed information on directing clients to the appropriate source.
• Coordinated and executed specific activities for the implementation of strategic initiatives.
• Gathered and formated data into regular and ad-hoc reports, and dashboards.
• Explored and identified enhancements and cross-sell opportunities and bringing these opportunities to the appropriate line of business contact.
• Actively listened to clients' concerns and diagnosed clients’ service needs.
• Facilitated timely client problem-resolution, engages cross-functional representatives or groups as appropriate.
• Responded to client concerns in a professional manner to convey ownership, competence, respect for the client relationship.
• Accurately documented client requests using the group’s tracking systems.
• Facilitated action to close gaps between client expectations and client experiences in the performance of the Bank and its products.
• Applied consistent and timely follow ups to demonstrate a commitment to customer satisfaction and high standards of responsiveness.
• Served as an advocate for individual clients and escalating issues as necessary to facilitate the timely resolution of service problems.
• Supported the development of tailored messaging, which may include writing, editing and distributing communications.
• Tracked collection of client service fees
• Collaborated with internal and external stakeholders in order to deliver on business objectives.
• Executed work to deliver timely, accurate, and efficient service.
• Completed complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
• Analyzed issues and determines next steps.

• Identified customer needs and initiates referrals to BMO colleagues.
• Supported customer requests for banking services, including handling transactions and supporting customers who walk into the branch.
• Welcomed customers warmly and meets their banking service and transactional needs with seamless execution.
• Offered advice and guidance on available digital and self-serve options with the goal of making it easy, simple, and fast to bank with BMO.
• Reviewed customer profiles and engages customers in a needs-based conversation to identify potential opportunities and address everyday banking plans and credit card needs.
• Contributed to meeting branch business results and the customer experience.
• Supported operational activities (e.g. inventory management, escalated service requests, following up on customer applications, filing, opening and closing activities).
• Managed, loads, and reconciles cash transactions between treasury and various branch units (e.g. CRU).
• Executed routine tasks (e.g. service requests, transactions, queries, etc.) within relevant service level agreements.
• Acted as a key member of a collaborative and versatile branch and market team.
• Probed to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice.
• Organized work information to ensure accuracy and completeness.
• Took the initiative to find creative approaches that make each customer’s experience feel personal.
• Looked for ways to contribute to the ongoing improvement of the overall branch customer experience.
• Contributes to business results and the overall experience delivered in the branch.
• May work at multiple branches based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.
• Follows through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest.
• Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.
• Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations.
• Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.
• Complies with legal and regulatory requirements for the jurisdiction.
• Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements.
• Completes standardized tasks under supervision.
• Performs initial problem solving within given rules/limits & escalates when required.
• Broader work or accountabilities may be assigned as needed.Qualifications:
• No prior experience necessary; post-secondary degree or certification in related field of study is desirable.
• High-level knowledge of personal, commercial and partner offers, and how each can best serve customers’ individual needs.
• Confident and experienced in the use of social media, tablets, smart phones, online tools, and applications.
• Highly skilled at helping people who don’t find digital applications intuitive to gain confidence in how to use them and to understand their benefits.
• Projects a professional presence.
• Basic knowledge of specialized sales and business banking solutions to refer to specialists.
• Passionate commitment to helping customers.
• A focus on delivering a personal experience to customers.
• Resourceful self-starter with courage and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
• Basic knowledge learned on the job.
• Verbal & written communication skills - Basic (in business environment).
• Organization skills - Basic (in business environment).
• Collaboration & team skills - Basic (in business environment).