HARSHPREET KAUR DHALIWAL

• Inputted and submitted loan files to lenders, ensuring all documentation was complete and accurate before submission, requesting additional information as needed.
• Evaluated financial documents (e.g., tax returns, bank statements, pay stubs) to assess the borrower’s ability to repay.
• Reviewed property titles and appraisals to ensure compliance with insurer and guarantor guidelines.
• Communicated underwriting decisions, and collaborated with loan officers to facilitate approval processes.
• Stayed updated on changes in mortgage regulations and industry best practices to maintain compliance.
• Developed strong relationships with external partners, including real estate agents, and lenders.

Company Overview: Convenience store (Food & Cafe Bar)

• Managed daily store operations, including cash handling, bank deposits, and invoice preparation.
• Developed and monitored budgets, analyzed financial performance, and implemented corrective actions.
• Oversaw inventory management, stock replenishment, and product displays to maximize sales.
• Created employee schedules, trained staff, and ensured adherence to service and safety standards.
• Ensured accurate pricing, promotional activities, and product merchandising to company standards.
• Handled vendor relationships, approved contracts, and negotiated pricing.
• Managed customer inquiries, complaints, and ensured a positive shopping experience.
• Monitored and analyzed sales data to identify opportunities for business improvement.
• Ensured compliance with local labor laws, health regulations, and safety protocols.
• Conducted regular store audits to maintain inventory accuracy and reduce shrinkage.
• Organized and led staff meetings to address performance issues and improve team efficiency.

Company Overview: Convenience Store (Food & Café Bar)

• Monitored inventory levels and restocked shelves as needed.
• Processed customer transactions efficiently and accurately.
• Accepted cash and credit card payments, issued receipts and provided change.
• Performed other duties as assigned by management.
• Greeted customers and answered any questions they had about the store's products and services.