Jinu John
Owen Sound,ON
Summary
Customer-focused Banking Advisor with over 2 years of experience in delivering tailored financial solutions at RBC. Expertise in mortgages, investments, mutual funds, credit cards, and loans, combined with a strong ability to assess customer needs, provide sound advice, and promote financial confidence. Proven track record of fostering long-term client relationships, contributing to business growth, and achieving sales targets. Seeking to leverage my expertise as a Personal Banker at TD Bank, where I can offer personalized banking services, contribute to operational excellence, and provide customers with comprehensive financial advice.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Banking Advisor
Royal Bank of Canada, RBC
Owen Sound, ON
10.2023 - Current
- Deliver comprehensive financial advice on a range of products, including mortgages, investments, mutual funds, and personal loans, to meet individual customer needs and goals.
- Engage in proactive customer outreach through phone, email, and in-branch interactions, ensuring clients are well-informed and confident in their financial decisions.
- Lead total financial reviews, providing personalized recommendations based on each client's circumstances, and advise on suitable financial products.
- Drive business growth by identifying cross-selling and upselling opportunities, resulting in the successful acquisition and retention of customers.
- Manage complex transactions, ensuring adherence to banking policies, compliance regulations, and operational standards.
- Provide escalated support for frontline staff in resolving customer issues, ensuring high levels of satisfaction and customer retention.
- Advised clients on tax-efficient investing strategies to optimize their overall wealth management plan.
- Approved or denied loans based on established criteria and underwriting guidelines.
Customer Account Specialist
TD Bank
Owen Sound, ON
10.2022 - 10.2023
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Used probing techniques to determine debtors' reasons for delinquency.
- Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
- Handled spirited customer conversations and alleviated disputes using appropriate communication skills and conflict resolution techniques.
- Liaised with compliance and risk department to eliminate procedural errors and minimize operational and reputational risks
Assistant Manager
Red Swan Pizza
London, ON
02.2021 - 09.2022
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Developed strong working relationships with staff, fostering a positive work environment.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
Education
Post-Graduate Certificate - Operations Management
Fanshawe College of Applied Arts And Technology
London12.2020
Post-Graduate Certificate - Construction Management
Fanshawe College of Applied Arts And Technology
London, ON04.2020
Bachelor Of Technology - Civil Engineering
Mahatma Gandhi University
Kerala, India05.2018
Skills
- Comprehensive Financial Advice: Mortgages, Investments, Mutual Funds, Personal Loans, Credit Cards
- Sales & Cross-Selling: Meeting/exceeding sales targets through tailored solutions
- Needs-Based Selling: Deep questioning to identify and fulfill customer needs
- Market & Product Knowledge: Awareness of competitive offers, economic trends, and regulatory changes
- Effective Communication: Providing clear, concise, and impactful advice to clients
- Financial Reviews & Portfolio Management: Identifying opportunities for customer growth and development
- Risk Management & Compliance
- Operational Excellence: Process improvement and adherence to policies
- Problem Resolution & Escalation
- Loan processing
Languages
English
Malayalam
Tamil
Hindi
Accomplishments
- Royal Performance Award Q3 in South Western Ontario
- Rookie of the year award in South Western Ontario
Certification
Investment Funds in Canada
Timeline
Banking Advisor
Royal Bank of Canada, RBC
10.2023 - Current
Customer Account Specialist
TD Bank
10.2022 - 10.2023
Assistant Manager
Red Swan Pizza
02.2021 - 09.2022
Post-Graduate Certificate - Operations Management
Fanshawe College of Applied Arts And Technology
Post-Graduate Certificate - Construction Management
Fanshawe College of Applied Arts And Technology
Bachelor Of Technology - Civil Engineering
Mahatma Gandhi University