KEVIN SHAH

· Creating superior customer service experiences by engaging, listening, and understanding the financial needs of potential clients and matching their needs to lending solutions in a pleasurable sales environment

· Connecting with clients through incoming calls or by actively prospecting new clients through a combination marketing and outbound sales call activity with a view to achieving and exceeding team sales targets

· Working with clients to prepare loan applications by compiling, arranging and reviewing all relevant documents

· Verifying income with variety of documents such as bank statements, paystubs, employment letter, T4, NOA, as well as verbal verification with employer

· Assessing the applicants’ credit worthiness, reviewing and analyzing credit report, performing credit and financial analysis, and other risk assessments to maximize quality of the sale and limit future collection items

· Gathering documents such as Mortgage statement, Property Tax statement as well as working with appraisal team for secured lending applications

· Accurately securing all required information to fulfill customer applications for products and maintaining information and records to limit errors

· Processing advances and disbursement, as well as preparing pay off letters

· Ensuring loans are processed as per established company procedures and policies

Capitalizing on financial cross-sales and add-on products by paying attention to clients’ needs to specifically pinpoint sales opportunities while transparently and openly communicating the terms and conditions of company’s financial products.

• Proactively engage with clients in all areas of the branch and in the community, uncovering banking needs, providing help and advice, as well as identifying sales and referral opportunities
• Focus on client education and demonstration, leveraging technology to deliver a memorable client experience, drive sales and retain business
• Respond to client-initiated contact, assisting them with range of financial transactions
• Actively listen and engage clients in conversation to further understand their individual needs
• Proactively take ownership of resolving and preventing client banking
• Problems
• Helped client open personal as well as business accounts
• Moreover, assisted clients with investments and mortgages
• Cultivate and maintain relationship with partners to make most of business opportunities and referrals.

• Providing best-in-, to current and prospective clients by delivering best borrowing experience to earn our customers trust and loyalty, creating welcoming environment, helping customers feel understood and relieved to have found a financial solution
• Demonstrating excellent listening and strong communications skills, engaging in revenue generation and sales-based activities by soliciting new and renewal business through customer contact, in-person or over the phone
• Managing overdue accounts by understanding the customer’s situation, being solution-driven, and treating each customer with respect and empathy
• Effectively gathering information during the loan application process to offer a personalized lending solution to each customer
• Acting with integrity and holding yourself to the highest ethical standards
• Completing administrative tasks related to the above including taking payments, setting up new customer accounts and completing loan closing paperwork
• Approving mortgage loans by examining application and supporting documentation; estimating creditworthiness; calculating repayment risk
• Check relevant government web sites, check if ID proof is given as per process
• Answer enquiries and resolve problems or discrepancies concerning customer’s accounts
• Inform customers of available banking products and services to address their needs
• Identify training needs and train workers in job duties and company policies
• Examine and verify the accuracy of work and achieve daily branch targets
• Answered phone calls in professional manner to client and their inquiries.

• Process financial data and apply it in an accurate manner to the database
• Collect, standardize, and validate the corporate annual, semiannual, quarterly financial data from companies, published reports
• Build industry knowledge by understanding industry trends and reporting Standards
• Troubleshoot problems or issues and provide support to the team
• Provide inputs and ideas of new collection methods and product Enhancement.