Jinu John
Edmonton,AB
Summary
Highly motivated financial professional with over 3 years of comprehensive experience in the Canadian banking sector (TD Bank, RBC), spanning client relationship management, diverse lending, investment advisory, and risk management including credit adjudication and collections. Proven ability to analyze complex financial situations, provide tailored solutions, and foster strong client relationships. Adept at navigating regulatory environments and leveraging strong problem-solving skills to drive positive outcomes. Seeking to apply a robust blend of financial acumen, analytical capabilities, and client-centric service to a challenging role.
Overview
3
3
years of professional experience
10
10
years of post-secondary education
1
1
Certification
Work History
Personal Banker
TD Bank
Edmonton, Alberta
03.2025 - Current
- Proactively identify client financial goals and provide personalized advice on a comprehensive range of banking solutions.
- Originate, process, and manage applications for various credit products, including mortgages, personal loans, and student loans, ensuring adherence to all lending policies and regulations.
- Provide expert advice on investment strategies and savings vehicles, including TFSA, RRSP, and FHSA accounts, aligning recommendations with client risk tolerance and long-term objectives.
- Strategically assist clients in consolidating their financial portfolios to TD Bank, streamlining their banking experience and maximizing convenience.
- Create and utilize goal trackers to monitor client progress towards financial objectives and provide ongoing support.
- Ensure strict compliance with all internal TD Bank policies, as well as relevant financial regulations and anti-money laundering (AML) guidelines.
- Identify opportunities to refer clients to specialized partners within TD Bank (e.g., Wealth Management, Business Banking, Commercial Banking) to ensure comprehensive financial solutions.
Banking Advisor
Royal Bank of Canada
Owen Sound, Ontario
10.2023 - 03.2025
- Successfully onboarded new clients by expertly opening and managing diverse accounts, including chequing, savings, and various investment accounts, ensuring a seamless and positive client experience.
- Managed and processed estate accounts, demonstrating a strong understanding of complex legal and financial requirements during sensitive life events.
- Conducted in-depth financial assessments and processed applications for a wide range of unsecured credit products, including credit cards, lines of credit, and auto loans.
- Utilized digital tools and resources to demonstrate product functionalities and enhance client understanding.
- Initiated and processed the opening of small business chequing and savings accounts, guiding entrepreneurs through the necessary documentation and initial setup processes.
Customer Account Specialist-Collections
TD Bank
Edmonton, Alberta
10.2022 - 10.2023
- Managed a diverse portfolio of delinquent accounts, proactively contacting clients to negotiate payment arrangements and recover outstanding balances.
- Utilized an in-depth understanding of bank programs to identify and enroll eligible clients in special programs, including low-interest options and interest waivers, to help them regain financial stability.
- Prevented potential bankruptcies by advising clients on available alternatives and connecting them with appropriate internal departments (e.g., financial hardship, debt restructuring) or external resources.
- Analyzed individual client financial situations to diagnose root causes of delinquency and recommend tailored solutions.
- Adhered strictly to all internal TD Bank policies, as well as regulatory guidelines pertaining to debt collection practices, ensuring ethical and compliant interactions.
Education
Post Graduate Certificate - Operations Management
Fanshawe College of Applied Arts And Technology
London, ON 05.2020 - 07.2025
Post Graduate Certificate - Construction Project Management
Fanshawe College of Applied Arts And Technology
London, ON 09.2019 - 04.2020
Bachelor of Technology - Civil Engineering
Mahatma Gandhi University
Kerala, India 05.2014 - 07.2018
Skills
- Client Relationship Management
- Debt Recovery and Collections
- Credit Application Processing and Adjudication
- Investment & Savings Advisory
- Financial Planning & Needs Analysis
- Problem Solving & Conflict Resolution
- Compliance & Risk Management
- Digital Literacy & Banking Software Proficiency
- Communication & Negotiation
Certification
- Investment Funds in Canada
Accomplishments
- Rookie of the Year-South Western Ontario.
- RBC Performance Award- Q3 South Western Ontario
Timeline
Personal Banker
TD Bank
03.2025 - Current
Banking Advisor
Royal Bank of Canada
10.2023 - 03.2025
Customer Account Specialist-Collections
TD Bank
10.2022 - 10.2023
Post Graduate Certificate - Operations Management
Fanshawe College of Applied Arts And Technology
05.2020 - 07.2025
Post Graduate Certificate - Construction Project Management
Fanshawe College of Applied Arts And Technology
09.2019 - 04.2020
Bachelor of Technology - Civil Engineering
Mahatma Gandhi University
05.2014 - 07.2018