HARSHDEEP KAUR
Ripon
Summary
Accomplished Banking Professional offering over 14 years of extensive experience in all facets of accounts payable and receivable, senior-level office administration, and finance experience. Looking to gain a position within an organization; wherein will allow me to utilize my skills in analyzing information and identifying areas of improvement aimed at increasing profitability and improving operations. Dedicated to helping businesses reduce operating expenditures and maximize revenue.
Overview
18
18
years of professional experience
Work History
Licensed Mortgage Loan Originator
Asset Financial Center
12.2022 - Current
- Collect financial information (e.g. income, taxes, debts, property information and etc.)
- Evaluate creditworthiness and eligibility for obtaining a mortgage loan
- Interview clients
- Guide clients through mortgage loan options
- Prepare and submit mortgage loan applications.
- Ensure data are in line with national and local financial rules
- Monitor and report on application processes.
- Help resolve problems with applications.
- Research new mortgage loan policies
- Ensure compliance with privacy laws and confidentiality policies throughout the process.
- Build a supportive referral network (e.g. with clients, lenders, real estate agents)
Real Estate Agent
The Financial Group/ HomeSmart PV&A
06.2018 - Current
- Researching and conducting comparative market analyses, evaluating the condition of properties, and determining property values.
- Marketing properties to prospective buyers through composing catchy descriptions, utilizing MLS, operating drones, taking photos, and using social media platforms.
- Showing listings with attention to the buyer’s needs, factual property info and the security of the seller’s personal property.
- Conducting open houses, including advertising, ensuring a property is prepared for public viewing and responding to queries from prospective buyers.
- Educating and supporting clients as they navigate real estate transactions, ensuring they have realistic expectations and fully understand the process.
- Negotiating real estate deals on the client’s behalf, ensuring their interests are protected.
- Creating real estate contracts that comply with laws and regulations.
SVP/Senior Business Development Officer
Five Star Bank
01.2022 - 08.2022
- Led strategic initiatives to enhance customer experience and drive revenue growth.
- Spearheaded risk management strategies, ensuring compliance with regulatory requirements.
- Developed and implemented comprehensive financial planning processes for optimal resource allocation.
- Mentored and guided senior management teams to achieve operational excellence and efficiency.
- Facilitated cross-departmental collaboration to streamline banking operations and service delivery.
Business Relationship Manager
Westamerica Bank
04.2020 - 02.2021
- Strong product knowledge within the banking/financial services industry.
- Excellent business development and b2b sales/service skills.
- Demonstrated ability to make both one on one and group presentations.
- Strong interpersonal, verbal and written communication skills.
- Strong outbound telephone sales skills.
- Actively deepening existing customer relationships through a structured calling routine and developing new relationships with prospects according to the Sales Culture.
- Actively originating business loan requests by gathering loan packages for clients.
- Further responsibilities including selling bank products and services such as business depository products, treasury management products, business credit cards, as well as other products.
Sr. Banker Business Development
Tri Counties Bank
01.2015 - 04.2020
- Acquiring and developing small and mid-sized business customer relationships by proactively developing business and community relationships.
- Preparing a calling plan and prospective profile for each new business prospect in conjunction with a strategic business development program.
- Profiling new and existing customers to discover their business and personal goals in order to provide business solutions to match their current and future needs.
- Proactively identifying business customer opportunities and fulfilling their needs or referring the customer to other specialized internal business partners.
- Work in collaboration with internal business partners; Cash Management, Merchant Processing, Commercial Banking, Real Estate, Leasing, Raymond James Investment Services.
- Analyzing clients Tax Returns, financial statements, and debt schedule to assist clients with their lending needs.
- Use every customer interaction as an opportunity to build a relationship with each customer through effective profiling, tele-consulting and where appropriate refer customers to business partners.
- Proactively partner with Branch Manager to develop and implement promotional sales campaigns, cross-sell plans, and tele-consulting activities.
- Ensuring that all customer transactions are handled timely and accurately according to guidelines and that cash and security procedures are followed.
- Preparing necessary documentation from the sale of products and services and inputs data.
- Adhering to all operating and regulatory compliance guidelines.
- Performing senior-level office administrative tasks including high priority projects from business partners and management.
Personal Banker & Officer
Citibank
10.2013 - 01.2015
- Executed Mid-Level Supervisory overrides to tellers and other staff members.
- Completed Financial Analyses for both consumer and small business customers to assess their financial budgets, projects, and future needs by evaluating their income statements, balance sheets, and cash-flow.
- Executed tasks including reviewing the financial center end of day reports, completing mock audits weekly, quarterly, and semi-annually.
- Maintained confidentiality of bank records and client information.
- Delivered prompt, accurate and excellent customer service.
- Fielded incoming phone calls from customers and directed to corresponding department or individual for assistance.
- Promoted a diverse array of financial products by continuously acquiring new industry knowledge.
- Increased teller efficiency by developing and implementing improved service methods.
Assistant Manager
Wells Fargo Bank
05.2008 - 08.2013
- Collaborative professional skills that advance a collegial and partnered approach to meeting objectives.
- Good communication skills including speaking clearly, succinctly, and accurately while using a pleasant tone and common conversational courtesies.
- High motivation with ability to successfully meet team performance objectives while maintaining individual performance long term.
- Knowledge and understanding of retail compliance controls, risk management, and loss prevention.
- Strong interpersonal skills with the ability to interact with all levels of an organization.
- Ability to work in a fast-paced deadline driven environment.
- Solid decision-making skills.
- Completing all operational tasks and duties as assigned and reviewing all financial reports.
Education
Associates of Arts - Business Management
Heald College
05-2011
Diploma - undefined
Weston Ranch High School
05-2008
Skills
- 11 years of Advanced Office Administration experience in time management, project management, office technology, report writing, and problem-solving
- Over 7 years of leadership skills as Assistant Branch Manager
- 11 years of Legal Document Processing and Filling
- 5 years of analyzing Financial Statements including Profit & Loss, Financial Statements, Tax Returns, Accounts Receivable and Payables, and Debt Schedule
- 14 years of Financial Analytic experience in budget variance, cash-flow, financial record keeping
- Real Estate License
- Nationwide Multistate Licensing System to operate as a mortgage loan originator
- Intermediate Microsoft Office Suite
- Excellent communication skills
- Bilingual-Punjabi and Hindi
Timeline
Licensed Mortgage Loan Originator
Asset Financial Center
12.2022 - Current
SVP/Senior Business Development Officer
Five Star Bank
01.2022 - 08.2022
Business Relationship Manager
Westamerica Bank
04.2020 - 02.2021
Real Estate Agent
The Financial Group/ HomeSmart PV&A
06.2018 - Current
Sr. Banker Business Development
Tri Counties Bank
01.2015 - 04.2020
Personal Banker & Officer
Citibank
10.2013 - 01.2015
Assistant Manager
Wells Fargo Bank
05.2008 - 08.2013
Diploma - undefined
Weston Ranch High School
Associates of Arts - Business Management
Heald College