Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic

Komal Deep Kaur

Surrey,Canada

Summary

Highly accomplished and results-oriented Senior Financial and Mortgage Advisor with over five years of progressive experience in comprehensive financial planning and strategic mortgage solutions. Proven expertise in guiding clients through intricate retirement and estate planning, optimizing investment portfolios, and developing effective tax strategies to achieve their financial aspirations. Consistently delivered competitive market share expansion and facilitated corporate goal attainment through astute financial guidance. Adept at cultivating robust client relationships, driving business development, and ensuring exceptional client outcomes.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Senior Advisor

Khalsa Credit Union
06.2024 - Current
  • Builds strong relationships with current and potential members; identifies member life stage cycle and provides financial advice to members
  • Manages an assigned portfolio of members through proactive regular contact, ensuring current and future needs are identified and met.
  • Educated clients on loan options and guidelines, empowering them to make informed decisions regarding their home financing needs.
  • Conducted thorough pre-qualification assessments, ensuring clients had a clear understanding of their financial position before entering the home-buying process.
  • Enhanced client satisfaction levels by addressing concerns promptly and maintaining open lines of communication throughout the lending process.
  • Monitored pipelines to track and log status of loans.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Secured client trust by maintaining strict confidentiality standards and adhering to ethical practices in all interactions.
  • Engaged prospective clients in effort to build and develop new business opportunities.
  • Achieved high customer retention rates through proactive follow-up strategies and personalized client support services.
  • Processes a full range of complex member transactions including, TFSA, RRSP products and services; retail mortgages, personal and RRSP loans; opening personal or business accounts, debit, credit cards, LOC, overdraft protection.
  • Supports achievement of annual branch goals and objectives through proactive promotion of Financial products and services, participation in branch campaigns, and actively seeks potential cross-sell and referral opportunities during interaction with members
  • Assist other branch employees with complex transactions and provides system overrides as necessary within set limits


Advisor (Teller)

Khalsa Credit Union
01.2022 - 06.2024
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Carried out day-day-day duties accurately and efficiently.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Worked flexible hours; night, weekend, and holiday shifts.
  • Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
  • Maintained energy and enthusiasm in fast-paced environment.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Offered friendly and efficient service to customers, handled challenging situations with ease.
  • Developed and maintained courteous and effective working relationships.
  • Served customers and followed outlined steps of service.
  • Resolved problems, improved operations and provided exceptional service.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Worked to ensure a positive and hassle-free customer experience.
  • Helped to increase customer return rates by providing excellent customer service at all times.

Customer Experience Associate

Best Buy Canada Ltd
10.2019 - 12.2021
  • Maintaining a positive, empathetic and professional attitude toward customers.
  • Adding service requests to customer’s order.
  • Communicating with customers through various channels.
  • Acknowledging and resolving customer complaints.
  • Knowing our products inside and out to be able to answer questions promptly.
  • Processing orders forms, applications, and requests.
  • Keeping records of customer interactions, transactions, comments and complaints.
  • Communicating and coordinating with third parties’ vendors and stores.
  • Ensure customer satisfaction and provide professional customer support.

Teller

Jana Small Finance Bank
07.2018 - 12.2018
  • Cross selling products of bank to the customers
  • Perform over the counter banking transactions in accordance with bank’s standard.
  • Process withdrawals/deposits from/to customer accounts
  • Approve & process customer service charge refunds
  • Handling all routine customers questions, problems, related to cash and remittances
  • Educate and direct customers to appropriate channels.
  • Perform EOD cash & ATM balancing.
  • Ensure Zero Error/delay in daily operations and all other activities related to cash and clearing
  • Responsible for day to day operations activities within the branch
  • Ensuring regulatory compliance & procedural compliance & timely audit
  • Vault/Key Custodian
  • Perform Cheque Truncation system of bank.
  • Administrative Representative of Lobby

Gold Loan Executive

Development Credit Bank
04.2016 - 06.2018
  • Looking after Gold Loan portfolio of bank
  • Maintain and develop good relationship with customers
  • Cross selling to generate revenue
  • Help management in forthcoming products and discuss on special promotions
  • Proactively engaging with existing customers and prospects
  • Administrative Representative of the Branch

Education

Master of Business Administration - MBA

Bachelor of Commerce - B. Com

Skills

  • Client relationship management
  • Client assessments
  • Training and coaching
  • Efficient time management
  • Mutual funds
  • Retirement planning
  • Business development
  • Adaptable Decision-making
  • Team leadership
  • Proactive problem-solving
  • Cross-selling proficiency
  • Loan processing experience
  • Relationship building
  • CRM software

Accomplishments

  • Two-time consecutive winner of Collabria Credit Card Campaigns.
  • IFSC certified in Mutual Funds.
  • Cleared CUIC Product and Services Exam (Dalhousie University).
  • Processed highest volume of Customer Support Cases for two consecutive quarters (Best Buy Canada).
  • Four-time consecutive winner of Outstanding Performer Award for Gold Loans (DCB Bank).
  • Achieved 10th State Rank in B.Com Professionals.
  • SAP Business One trained by Dexler Information Solutions.
  • Completed Retail Management Training (National Skill Development Council).

Certification

  • Investment Funds in Canada (IFC) certificate
  • Credit Union Product & Services – Dalhousie University
  • Retail Management (NSDC)
  • IRDA and GI Certified

Timeline

Senior Advisor

Khalsa Credit Union
06.2024 - Current

Advisor (Teller)

Khalsa Credit Union
01.2022 - 06.2024

Customer Experience Associate

Best Buy Canada Ltd
10.2019 - 12.2021

Teller

Jana Small Finance Bank
07.2018 - 12.2018

Gold Loan Executive

Development Credit Bank
04.2016 - 06.2018

Bachelor of Commerce - B. Com

Master of Business Administration - MBA

Similar Profiles

CREATE PROFILE
Komal Deep Kaur