Jaspinder Kaur
Summary
Highly motivated and results-oriented Credit Application Analyst with a proven track record of success in processing loan applications, ensuring compliance, and providing exceptional customer service. Strong analytical, communication, and problem-solving skills. Focused on accuracy, efficiency, and customer satisfaction. Seeking a challenging role in a dynamic environment to contribute to the growth and success of the organization.
Overview
5
5
years of professional experience
Work History
Credit Application Analyst-Mortgages
TD Canada Trust
Markham, ON, Canada
02.2024 - Current
- Gathering, reviewing, and assessing documentation for mortgage applications, ensuring adherence to risk parameters and insurer guidelines when applicable.
- Independently processed and analyzed over 40 weekly RESL applications, ensuring 100% adherence to all regulatory requirements.
- Handling communications with both internal and external partners, such as insurers, senior underwriters, and mortgage specialists, to ensure smooth processes.
- Actively participated in process improvement initiatives, contributing to enhanced operational efficiency and customer experience
- Reviewing applications that exceed the approval limit, and making recommendations to the manager or senior underwriter. Proactively identified and resolved potential compliance issues, mitigating risk, and safeguarding the bank's assets.
- Managing high workloads under tight deadlines, while maintaining quality and thoroughness in reviewing various lending products.
Contact Center Borrow Rep, Credit Cards
TD Canada Trust
Markham, ON, Canada
05.2022 - 01.2024
- Resolved customer inquiries and complaints related to credit card issues, ensuring customer satisfaction and enhancing retention.
- Proactively identified and reported fraudulent activities, playing a key role in preventing potential financial losses and safeguarding customer accounts.
- Exceeded call volume targets by consistently handling an average of 70+ calls per day, maintaining high-quality customer interactions and receiving positive feedback.
- Actively promoted and cross-sold credit card products and services, consistently meeting or surpassing individual and team sales targets.
- Generated new business opportunities through effective networking and client relationship management strategies.
- Increased sales revenue by consistently meeting and exceeding sales targets through effective client relationship management.
- Supported new hire training initiatives through mentorship and shadowing opportunities that fostered an environment conducive to learning and growth for colleagues entering the role of Inbound Customer Service Representative.
Store Supervisor
Tim Hortons
Saint Stephen, NB, Canada
02.2020 - 03.2022
- Supervised and trained a team of 20+ employees, fostering a culture of collaboration and ensuring the smooth operation of daily store activities.
- Managed key store operations, including inventory control, customer service, and staff scheduling, ensuring optimal efficiency and service quality.
- Enhanced customer satisfaction by proactively addressing concerns, resolving issues in a timely manner, and building positive customer relationships.
- Consistently achieved and surpassed sales targets by leveraging effective team leadership, process optimization, and a focus on operational excellence.
Education
Healthcare Environment Services Management -
Centennial College
01.2019
Skills
- Mortgage underwriting
- Credit analysis
- Financial statement analysis
- Quantitative analysis
- Database management
- All related financial software
- Decision-making
- Client relationships
- Detail-oriented
Accomplishments
- Basic Brilliant Winner, 12/01/23
- Winning Together Winner, 02/01/24
- Winning Together Winner, Q4 2023
- League of Legends Award, Q4 2023
- Team Spirit Award, 09/01/23
- Team Spirit Award, 10/01/23
- Perfect Attendance Award, multiple months
Languages
English
Native or Bilingual
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
Timeline
Credit Application Analyst-Mortgages
TD Canada Trust
02.2024 - Current
Contact Center Borrow Rep, Credit Cards
TD Canada Trust
05.2022 - 01.2024
Store Supervisor
Tim Hortons
02.2020 - 03.2022
Healthcare Environment Services Management -
Centennial College