Hadis Rafati
Coquitlam,BC
Summary
experience in the banking and lending industry. Adept at managing client and prospective client data to ensure efficient operations and exceptional customer service. Possesses a comprehensive understanding of mortgage lending processes, credit policies, and regulatory requirements. Proven ability to handle high volumes of loan documentation in fast-paced environments, meeting challenging productivity, funding, and customer satisfaction targets. Experienced in verifying tax, credit, employment, loan, personal, and residential histories to ensure accuracy and compliance. Collaborative team player skilled in enhancing processes and contributing to a positive work environment. Exceptional multitasking, prioritization, and time management abilities. Effective communicator and leader, demonstrated through mentoring new hires and providing peer coaching.
Overview
11
11
years of professional experience
Work History
MORTGAGE ADJUDICATION ASSOCIATE
ROYAL BANK OF CANADA
VANCOUVER, BC
07.2022 - Current
- Responsible for analyzing all relevant data to determine whether level of risk is acceptable during the mortgage application process
- Constant communication with mortgage specialists to obtain all missing documents or information to process application in an appropriate and timely manner
- Cross train to work on different queues: expert, proficient, quick queue, previously approved queue and rush queue
- Assist leaders with RUSH reports and ensure cases are being handled and/or decisioned
- Proactively organize team building events and develop effective working relationships with peers by organizing activities such as JDRF event,RBC race for kids and potluck.)
- Help with job shadowing and mentoring new and existing colleagues by providing guidance and teaching best practices
- Excellent Post Loan Review for files worked
- Provide innovative ideas to improve efficiency on our existing tools (LINX)
CREDIT ADVISOR ( ADVICE CENTRE)
ROYAL BANK OF CANDA
Montreal, QC
06.2020 - 07.2022
- Responsible for providing credit advice to clients who are facing financial hardships by conducting proper research and risk analysis
- Provided excellent service and attention to customers through phone conversations.
- Conducted research and prepared written action plans of financial recommendations to branches to help resolving client issues
- Reached out to major credit bureaus to obtain records and discuss entries.
- Answered client questions about factors affecting credit and recommended suggestions to improve credit scores.
- Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating balances.
- Evaluated client situations and recommended optimal products to meet individual needs.
- Negotiated loan/mortgage rates for clients
- Assessing Clients' Financial Profiles: Evaluating clients' financial situations, including income, credit history, and existing mortgage details, to determine their eligibility for mortgage renewal and refinancing options for accessing home equity.
SENIOR BANKING AVISOR (ADVICE CENTRE)
ROYAL BANK OF CANDA
Montreal, QC
02.2019 - 06.2020
- Provided quality service to customers in a professional manner, helped colleagues and clients with credit card questions, and gave guidance on credit card matters as needed
- Provided exceptional customer service and with great client satisfaction
- exceeded sales goals by promoting bank products and services in customer interactions.
- Researched account information regarding loans and deposits.
- Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- arranged mortgage , loan and line of credit payment deferral , skip a payment , installment amount and frequency adjustment
CREDIT CARD ADVISOR (ADVICE CENTRE)
ROYAL BANK OF CANDA
Montreal, QC
01.2018 - 02.2019
- Engaged in conversation with customers to understand needs, resolve issues and answer product questions through the phone conversations.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Negotiated credit limit extensions and waivers when necessary.
- Answered customer questions regarding account discrepancies or problems.
- Referred unresolved customer grievances to designated departments for further investigation
- Exceeded established service goals while leveraging customer service, sales and employee management best practices.
- Supported sales team members to drive growth and development.
- Enhanced productivity and customer service levels by anticipating needs and delivering outstanding support
SENIOR COLLECTION CONSULTANT
AFINITY GLOBAL
Montreal, QC
04.2016 - 01.2018
- Contacted Bell customers and negotiated payment solutions that are beneficial for the company and for the customer
- Effectively negotiated the payment of quite large amounts while keeping good contact with, Worked on internal projects to help driving productivity and efficiency
- Interacted with customers to assess risk of each client and provide best solutions, payments and solutions
- Proactive risk/activity investigations
- Assisted in creating scripts to increase productivity
- Provided regular updates and reports of account analysis and risks to management
OFFICE MANAGER
SABA EDUCATIONAL AND CULTURAL INSTITUTE
TEHRAN, TEHRAN
04.2012 - 06.2014
- Organized and coordinated, and procedures, in order to ensure organizational effectiveness, efficiency, and safety
- Responsible for developing intra-office communication protocols, streamlining administrative procedures, inventory control, office staff supervision, and task delegation
- Called clients to settle matters or disputes, and ensure all needs and solutions are provided
- Answered phone calls and emails to provide information, resulting in effective business correspondence
- Demonstrated outstanding customer service, resolved client concerns, and helped build customer loyalty
- Performed administrative task and managed office workflow
- Experienced in handling a wide range of administrative duties and executive support-related tasks and able to work independently
Education
FRENCH LANGUAGE DIPLOMA -
01.2015
BACHELOR’S DEGREE - MATHEMATICS AND PHYSIC
01.2002
Skills
- Client Management
- Leadership
- Client Service
- Communication skills
- People Skills
- Loan Application Preparation
- Credit Verification
- Loan Records Filing and Maintenance
- Personal Data Collection
- Problem Solving
- Decision Making
- Credit Applications
- Property Appraisals
- Loan and Repayment Schedules
- Extensions of Credit
- Mortgage Insurance Arrangement
- Regulatory Compliance Documentation
- Employment Verification
- Credit Reporting Software
- Lending Software Systems
- Financial Data Collection
Languages
English
Full Professional
French
Full Professional
Persian
Native/ Bilingual
Timeline
MORTGAGE ADJUDICATION ASSOCIATE - ROYAL BANK OF CANADA
07.2022 - Current
CREDIT ADVISOR ( ADVICE CENTRE) - ROYAL BANK OF CANDA
06.2020 - 07.2022
SENIOR BANKING AVISOR (ADVICE CENTRE) - ROYAL BANK OF CANDA
02.2019 - 06.2020
CREDIT CARD ADVISOR (ADVICE CENTRE) - ROYAL BANK OF CANDA
01.2018 - 02.2019
SENIOR COLLECTION CONSULTANT - AFINITY GLOBAL
04.2016 - 01.2018
OFFICE MANAGER - SABA EDUCATIONAL AND CULTURAL INSTITUTE
04.2012 - 06.2014
University of Montreal - FRENCH LANGUAGE DIPLOMA,
Valiasr University - BACHELOR’S DEGREE, MATHEMATICS AND PHYSIC
Similar Profiles
ANIRBAN BASUANIRBAN BASU
QA Manager at TCS CANADA (Client - Royal Bank Of Canada)QA Manager at TCS CANADA (Client - Royal Bank Of Canada)
Ashok Kumar PeddinaAshok Kumar Peddina
Senior Consultant at Capgemini, Canada, Royal Bank of CanadaSenior Consultant at Capgemini, Canada, Royal Bank of Canada
PARMEET KAURPARMEET KAUR
Collections Officer at Royal Bank of Canada, RBCCollections Officer at Royal Bank of Canada, RBC