Harmanjit Kaur
Caledon,ON
Summary
Passionate and energetic Certified Mortgage Professional with a demonstrated history of working in Banking, Marketing and Retail Management industry. Energetic and client focus sales expertise with more than three years experience as a Sales and Investment Specialist. The blend of my knowledge and experience would help me to apprehend my roles and responsibilities. Skilled in determining clients’ mortgage needs, advising clients with unique mortgage investment needs and accomplishing sales target. My zeal to endeavor my passion turned it into my profession.
Overview
6
6
years of professional experience
Work History
Mortgage Underwriter /Mortgage Agent Level 2
Akalmortgages(mortgage alliance)
07.2022 - Current
- Determining client's Mortgage needs, advising them with best Mortgage Solutions for their unique goals
- Expertise in all Mortgage products
- Assess Clients eligibility by analyzing their mortgage qualification by collecting and reviewing their mortgage application paper work
- By performing due diligence towards checking their credit history and financial information
- Handling inquiries and questions from lenders and brokers
- Verification of all documents submitted by the clients
- In final approval process establishing conditions, rates, credit terms in the commitment
- Reviewing all conditions and fulfillment of all documents for closing of application with lawyer
- Maintaining and creating business relationship with broker, lenders and client
- After closing the deal auditing files for the record keeping.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
Senior Investment Specialist
BMO Financial Group
07.2021 - 07.2022
- Assisted clients for their account management and any trading related inquiries
- Consulting customers through inbound and outbound calls by managing and developing their account segments
- Meeting the investment needs of customers proactively for opportunities that enhance their experience by providing products
- Providing best quality service to the customers by solving their issues and Assist them with their inquiries in the best possible way
- Focusing on suitable investment products to achieve the sale goals
- Work closely with Senior Managers to resolve the complex customer situations
- Document all the information precisely after completing customer interactions to make sure they are accurately processed on time
- Remain updated about current investment trends and practices and professionally assisting the client for their investment needs
- Comply with compliance and regulatory requirement, including Financial Consumer Agency of Canada (FCAC) consumer provision requirements and Privacy Act provisions and Anti-Money Laundering and Terrorist Financing reporting requirements
- Proven ability to contribute to and work well within a team environment.
Sales Specialist / Team Lead
Banana Republic (Retail)
01.2018 - 06.2021
- Assisted customers and proactively engage them by providing outstanding services through completing transactions and give tailored advice by fulfilling requests
- Engage with customers actively to assist them in best possible ways
- Focused on customer’s problems and deliver exceptional solutions to clients to make their experience memorable to retain business always in a great position
- Prioritized customers needs first by actively listening and engaging in conversations with them to understand their needs
- Always answer to customer requests for products, services and related to company information
- Contributed towards increasing sales by finding opportunities and offers for customers
- Leveraged KPI data to develop team members and improve account management strategies
- Worked as a collaborative, committed and responsible team player
- Set high bar for customer service and trained staff in consultative sales techniques
- Accomplished high sales target in fast pace working environment
- Maintain healthy customer relationship with integrity.
Education
MEPP - Masters of Engineering and Public Policy
McMaster University
Hamilton, ONMBA - Marketing And Retail Management
GNDU
Punjab,India05.2017
Bachelors in Technology -
BBSBEC
FGS, Punjab, India05.2014
Skills
- Administration and Management
- Relationship building
- Leadership
- Sales and Marketing
- Financial Management
- Technical Analysis
- Market Analysis
- Risk Management
- Complex Problem Solving
- Thompson One Software
- Proficient in using Excel
- Team Oriented Personality
- Credit Analysis
- Residential Mortgage Lending Regulations
- Documentation Review
- Fraud Detection
- Regulatory Compliance
- Eligibility Determination
CERTIFICATIONS
- Private Mortgage Exam (MPC)
- REMIC Mortgage Agent certification
- Completion of Canadian Securities Course (CSC), through the Canadian Securities Institute (CSI).
- Completion of Conduct & Practices Handbook (CPH), through the Canadian Securities Institute (CSI).
- IRT30 through the Canadian Securities Institute (CSI).
- Certified IFC holder (Investment Funds in Canada) through the Canadian Securities Institute (CSI).
Languages
English
Native or Bilingual
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
References
Details upon request.
Timeline
Mortgage Underwriter /Mortgage Agent Level 2
Akalmortgages(mortgage alliance)
07.2022 - Current
Senior Investment Specialist
BMO Financial Group
07.2021 - 07.2022
Sales Specialist / Team Lead
Banana Republic (Retail)
01.2018 - 06.2021
MEPP - Masters of Engineering and Public Policy
McMaster University
MBA - Marketing And Retail Management
GNDU
Bachelors in Technology -
BBSBEC