Kenny Saran
Surrey,British Columbia
Summary
Resourceful professional in financial services, known for high productivity and efficient task completion. Specialized in risk assessment, regulatory compliance, and customer service. Excel using communication, problem-solving, and adaptability skills to achieve goals and meet client needs. Experienced professional with a strong background in technology-related roles. Proficient in software development, system administration, and technical support. Skilled in problem-solving and optimizing performance. Capable of managing projects and collaborating effectively with teams. Committed to continuous learning and staying current with industry trends to contribute to organizational success. Customer-focused individual with a passion for delivering exceptional service. Strong interpersonal skills with a talent for effectively addressing concerns. Committed to improving customer satisfaction and driving positive outcomes.
Overview
2
2
Languages
21
21
years of professional experience
Work History
Senior Mortgage Advisor
CIBC
Vancouver, British Columbia
08.2013 - Current
- Evaluated client financial profiles to recommend customized mortgage solutions that met individual needs.
- Advised clients on mortgage options and financial products to align with their financial goals at CIBC.
- Guided clients through application processes and documentation requirements.
- Collaborated with real estate professionals, attorneys, and accountants to streamline mortgage transactions.
- Conducted interviews with borrowers to assess financial capacity, goals and objectives of the loan.
- Approved or denied loan applications and explained reasoning behind decisions.
- Coordinated with underwriters for loan approval and final decision-making.
Mortgage Loan Officer
Community Savings Credit Union
Surrey, BC
06.2005 - 07.2013
- Evaluated mortgage applications for accuracy and compliance with lending guidelines.
- Reviewed credit reports to assess borrower eligibility and risk factors.
- Assessed customer financial status and creditworthiness to determine mortgage eligibility, ensuring compliance with lending guidelines.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Educated clients on financial products and services, enhancing their understanding of available mortgage options.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Negotiated loan terms and conditions with borrowers, aligning their needs with lending policies.
- Set up debt payment plans based on client credit, income and assets.
Education
Bachelor of Technology - Business Management
British Columbia Institute of Technology
Burnaby11-2005
Skills
- Mortgage analysis
- Financial analysis
- Risk assessment
- Document analysis
- Client relationship management
- Sales development
- Competitive market analysis
- Performance metrics analysis
- Team leadership
- Problem solving
- Effective communication
Languages
English
Full Professional
Punjabi
Full Professional
Accomplishments
- Top Performer Award 2015-2019
Timeline
Senior Mortgage Advisor
CIBC
08.2013 - Current
Mortgage Loan Officer
Community Savings Credit Union
06.2005 - 07.2013
Bachelor of Technology - Business Management
British Columbia Institute of Technology