Experienced and hardworking professional with over 20 years of assisting clients, scheduling payments and reviewing credit histories. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willing to take on added responsibilities to meet team goals. Banking with over 20 years of successful experience in communication and administration. Recognized consistently for performance excellence and contribution to success in administrative and financial industry. Strengths in communication and prioritizing procedures to ensure a successful result. Reliable employee seeking any position available.
Hi, I’m
IRINA SERBANOIU
Banker
Calgary,Alberta
Summary
Overview
25
years of professional experience
Work History
RateHub
Mortgage Broker
06.2022 - Current
Job overview
- Assessed clients' financial data to determine loan suitability
- Collaborated with and facilitated communications between borrowers and Lenders to obtain ideal loans for home purchases
- Worked with underwriters to fix application problems and resolve issues
- Explained entire mortgage loan process to borrower
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Managed approximately 30 incoming calls, emails and faxes per day from customers
RBC
Mortgage Specialist
06.2021 - 06.2022
Job overview
- Proactively seek opportunities to engage in customer focused home financing conversations, with a goal of bringing new customers to RBC
- Establish and enhance RBC's presence in the community
- Break down emerging and complex problems into manageable components to solve them quickly and effectively
- Create multi-channel usage as per customer's preference
- Demonstrate strong self-management through the development and implementation of plans to achieve goals and objectives
- Ensure all new and existing customers are connected to Areas of Expertise partners as needed so that appropriate customer solutions are provided.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Attracted new mortgage loan applications by developing relationships within community.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Created profitable and efficient solutions.
ATB Financial
Mortgage Specialist
06.2018 - 06.2021
Job overview
- Identify leading-edge tactics to generate leads and build a pipeline of mortgage business
- Proactively contact realtors/referral sources identified through the creation of national partnerships and/or create local partnerships
- Proven ability to grow, retain and acquire new business
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs
- Evaluate borrower financial information's, pay stubs and credit history to determine loan possibility
- Assessed clients' financial data to determine loan suitability
- Presented, explained, and processed home loan documents such as closing contracts to borrowers.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
Romanian-Canadian Cultural Ass. Of Calgary
Front Office Manager
03.2012 - 04.2020
Job overview
- Prepare time sheets
- Primary accounting
- Project Administrator
- Organize different events
- Liaise with other agencies, organizations and groups
- Update organizational memberships.
- Set priorities and problem-solved workflow issues to maintain rapport with customers and managers.
- Created, prepared, and delivered reports to various departments.
- Prepared agendas and took notes at meetings to archive proceedings.
- Analyzed data related to administrative costs and spending trends to prepare budgets for personnel.
ATB Financial
Personal Relationship Manager
08.2015 - 06.2018
Job overview
- Increase total portfolio across the relationship with the customers by collaborating with partners to identify reciprocal opportunities to fully bank them
- Make complex business decisions that balances the customer experience with due diligence
- Investigated and resolve account issues by offering applicable options to customers
- Resolve customers disputes.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Participated in staff meetings to discuss innovative strategies to improve services.
- Facilitated workshops and seminars to educate customers on product features and benefits.
- Built relationships with customers and community to establish long-term business growth.
BMO BANK OF MONTREAL
Financials Services Manager
04.2012 - 08.2015
Job overview
- Opened and managed current customer accounts and any related checks
- Consulted in filling out forms related to bank products and services
- Prepared and filed legal documents of clients
- Give advice to customer for their investments (RRSP, RESP, TFSA, Term investments, Mutual Funds etc.)
- Deal with landing applications (mortgages and loans)
- Promoted bank products and services
- Checked cash operations / payments in CAD and foreign currency.
- Resolved customer complaints in professional and timely manner.
- Met with customers to discuss service needs and offer available solutions.
- Coordinated with other departments to maintain streamlined and productive workflow.
- Analyzed service reports to identify areas of improvement.
Education
Financial Services Regulatory Authority of Ontario (FSRA)- Mortgage Brokers Licensed in OntarioToronto, ON
GED
09.2022
University Overview
IFSE- Canadian Investments Funds Extra Curricular ActivitiesCalgary, AB
GED
01.2013
University Overview
Titu Maiorascu UniversityRomania
Master of Science from Banks And Insurance
01.2009
University Overview
Romanian Banking InstituteRomania
Bachelor of Science from Business Administration And Management
01.2008
University Overview
Skills
- Problem solving skills
- Calm under pressure
- Excellent team player
- Responsible work ethic
- Active Listener
- Conducting Financial Assessments
- Client Engagement and Assistance
- Residential Mortgage Lending Regulations
- Processing Loan Applications
Accomplishments
Accomplishments
- Awarded Iron Roster by ATB Financial in 2018
- Awarded BMO Best of the Best by the BMO President in 2013
Common Skills
Common Skills
- Customer Service
- SAP
- Linx
- Sales Platform
- QuickBooks
- Sage
- Microsoft Office
- Excel
- Retail Sales
- Data Entry
- Sales
- PowerPoint
Extracurricular Activities
Extracurricular Activities
Active Member of Romanian-Canadian Cultural Association of Calgary where I led many events that provided an opportunity for the community to present our culture, music and food in individual booths. Also, helped in organizing several fundraising events to raise funds to help the homeless community of Calgary with food and shelter. Active volunteer for the Calgary International Women's Association.Languages
English
Native or Bilingual
Romanian
Native or Bilingual
French
Limited Working
Timeline
Mortgage Broker
RateHub
06.2022 - Current
Mortgage Specialist
RBC
06.2021 - 06.2022
Mortgage Specialist
ATB Financial
06.2018 - 06.2021
Personal Relationship Manager
ATB Financial
08.2015 - 06.2018
Financials Services Manager
BMO BANK OF MONTREAL
04.2012 - 08.2015
Front Office Manager
Romanian-Canadian Cultural Ass. Of Calgary
03.2012 - 04.2020
Financial Services Regulatory Authority of Ontario (FSRA)- Mortgage Brokers Licensed in Ontario
GED
IFSE- Canadian Investments Funds Extra Curricular Activities
GED
Titu Maiorascu University
Master of Science from Banks And Insurance
Romanian Banking Institute
Bachelor of Science from Business Administration And Management
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