Himanshu Sardana
Surrey,BC
Summary
Versatile banking professional experienced in working with businesses. Proficient in standard industry practices, regulatory requirements and market conditions. Proven interpersonal, communication, and project management skills.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Operations Analyst
TD Securities
03.2023 - Current
- Demonstrate strong understanding of Trade Finance and ICC rules and regulations, and work closely with internal stakeholders, including sales, operations, and credit.
- Review text of all types of Standby Letters of Credit (SBLC) / Letter of guarantees (LG) and provide technical advice to the corporate clients, Financial institutions and Relationship Managers as needed
- Drafting, issuing, amending, and advising SBLC/LG, and processing other miscellaneous requests, and releasing transactions processed by other colleagues.
- Conduct assessment, identify potential risks and operational gaps, determine feasibility, and recommend and document resolutions for both new and existing SBLC/LG.
- Perform due diligence of SBLC/LG transactions and ensure that these transactions are compliant with internal policies and trade finance AML procedures.
- Analyzed and documented existing business processes to identify inefficiencies and recommend process improvements.
- Developed and implemented operational strategies for optimizing efficiency, improving customer service, and reducing costs.
- Coordinate with internal teams to ensure smooth onboarding of new clients.
- Attend client meetings and presentations with sales team to educate clients about bank's products and services.
Customer Experience Associate
TD Canada Trust
03.2022 - 02.2023
- Act as first point of contact with clients and handle all front-end tasks with an objective to deliver a superior customer experience
- Compliance to AML procedures while handling cash transactions and wire payments
- Recommend financial products to customers that suit their needs along with exploring opportunities to cross-sell other financial products
- Explore business prospects to generate referrals for PBAs and Financial advisors
- Nominated as Quarterly Spotlight for my performance in delivering superior customer service and going well beyond initial cross-selling and referral targets
- Answered incoming calls, emails, and chats in a timely manner.
Senior Manager
Union Bank of India
Mumbai
04.2021 - 12.2021
- Manage and optimize the foreign exchange department at the branch for end-to-end foreign exchange and trade finance operations
- Meet prospective new as well as existing large corporate clients to garner additional business and upselling bank's products and services, and ensure sustain superior relations between the bank and its customers
- Supervise the team assigned with tasks of operations and customer service, and provide them ongoing assistance and mentorship regarding daily operations, trade finance products, system and applications, and policies / procedures
- Handle audit queries and ensure corrective compliance within the prescribed timeline
- Mentored junior staff in the organization's business processes, customer service standards, and quality assurance protocols.
- Ensured compliance with applicable laws, regulations, policies, and procedures across all business units.
- Developed and implemented strategies to improve operational efficiency, reduce costs, and increase productivity.
Manager
Union Bank of India
New Delhi
05.2017 - 03.2021
- Handle end to end trade finance transactions of Mid corporate clients, comprising of foreign remittances, trade related payments, letters of credit, bank guarantees, and export finance
- Scrutiny of trade documents and handle them in compliance with UCPDC 600, URC 522 and ISBP 745 prescribed by international chamber of commerce
- Conduct risk assessment of transactions in line with Bank's AML procedures
- Oversee the timely submission of all requisite reports pertaining to the branch's foreign exchange department to external authorities and internal departments
- Handle shortcomings pointed out in audit, and develop appropriate controls / action plans in response to associated concerns / risks
- Manage daily flow of inward and outward global wire payments using SWIFT
- Book forward contracts and derivatives to hedge clients' export and import transactions
- Developed and implemented strategies to increase customer satisfaction and loyalty.
- Conducted regular meetings with staff to discuss progress and identify areas of improvement.
Loan Officer
Union Bank of India
Mumbai
04.2015 - 04.2017
- Canvass new loan applications and determine applicants' credit history, financials, and initial due diligence to determine eligibility for granting loans
- Process new retail and SME loan applications within the branch delegation, and recommend to higher verticals for amount exceeding branch delegation
- Handle large syndictaed advance accounts and coordinate / share information with the agent and other consortium lenders
- Monitor branch's asset portfolio to avoid slippages & begin steps to settle NPA accounts
- Handle audit queries and ensure compliance to the bank's loan policy and regulations
- Manage post-sanction loan documentation and disbursements
- Ensure timely submission of all reports pertaining to credit department
Assistant Manager
Union Bank of India
Mumbai
04.2012 - 03.2015
- Ensure smooth running of basic banking transactions comprising of front-line customer relations, back-end operations for wires and payments, and handling cash
- Open new banks accounts of individuals and non-individuals in adherence to KYC norms
- Maintain relations with HNIs and corporates and provide solutions to all their queries
- Cross-sell other financial products of bank to offer client with all services under one roof
Education
Master of Business administration -
University Canada West
Vancouver12.2022
PG Diploma - export marketing management
Kurukshetra university
India05.2019
Bachelor of Commerce -
Kurukshetra university
India06.2010
Skills
- Trade finance
- AML Compliance
- Credit management
- Risk Management
- Customer relations
- Team handling
- Analytical skills
- Financial analysis
Languages
English, Hindi, Punjabi
Certification
Certificate for Specialists in Demand Guarantees (September, 2024)
Timeline
Operations Analyst
TD Securities
03.2023 - Current
Customer Experience Associate
TD Canada Trust
03.2022 - 02.2023
Senior Manager
Union Bank of India
04.2021 - 12.2021
Manager
Union Bank of India
05.2017 - 03.2021
Loan Officer
Union Bank of India
04.2015 - 04.2017
Assistant Manager
Union Bank of India
04.2012 - 03.2015
Master of Business administration -
University Canada West
PG Diploma - export marketing management
Kurukshetra university
Bachelor of Commerce -
Kurukshetra university
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