Summary
Overview
Work History
Education
Skills
Timeline
Generic

MANISHA GOPU

Scarborough,ON

Summary

Looking forward for an opportunity to work in an organization where I can utilize my skills, talent, and ideas to maximum extent and to reach goals and objectives of the organization effectively. Intend to contribute positively towards the growth and the prosperity of the organization.

Four years of successful banking experience working in Business Banking, Credit and Risk management and Customer Service role. Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise and offering excellent skills in managing issues, updating files and reviewing financial statements. Extensive experience in preparing, recommending, and approving credit applications while ensuring compliance with bank policies and regulations. Advanced Communication like active listening, and professional communication is my strongest skill to manage all my responsibilities. Analytical skills in collecting, analyzing, and managing quantitative data and creating meaningful reports to lead business improvements and make data driven decisions.

Overview

3
3
years of professional experience

Work History

Business Banking Advisor

RBC
12.2024 - Current
  • Provide professional financial advice to new and existing Rbc small business clients, assisting them with their financial needs
  • Recommend products, services, and/or share information with clients to meet their unique immediate and future financial needs
  • Support product and service recommendations with details that are easily understood and convert value towards the clients’ stated needs
  • Manage risk and compliance routines when carrying out transactions
  • Achieve higher levels of proficiency in this role by providing effective advice to clients regarding our products, services, and solutions
  • Opening new business accounts for business clients and addressing their concerns by providing the right solutions.

Debt Counsellor (Collections)

Total credit recovery
02.2023 - 12.2023
  • Contact consumers via the telephone and email to arrange payments for past due accounts
  • Assist clients by proposing solutions to address financial objectives such as debt management and offering payment plans
  • Research and evaluate consumer’s financial status, credit reports and ability to repay the loan
  • Complete initial trace work using online tools and account systems
  • Follow regulations and guidelines as per provincial, federal legislation, and client specific directives
  • Professionally and respectfully negotiate with consumers and explore money sources to determine the best possible arrangement
  • Complete credit and loan information
  • Clearly and concisely document the details of each call
  • Request statements on delinquent accounts and forward irreconcilable accounts for legal action
  • Review and update credit and loan files
  • Meeting the targets set by the client.

Loan Verification Specialist

Bill gosling
07.2022 - 01.2023
  • Managed inbound and outbound calls from customers regarding loan applications
  • Assessed the status of the customer’s loan application and communicated next steps to them in an efficient and effective manner
  • Reviewed and processed loan applications from submission to completion
  • Obtained and evaluated information and documents for authenticity and accuracy
  • Assessed and calculated income utilizing income and tax documents
  • Utilize multiple systems to capture customer interactions with precise notation
  • Achieved monthly production goals while maintaining quality standards
  • Strived to resolve the customer's request in one call while creating an exceptional experience for the customer.

Credit Analyst

Flexiti
04.2021 - 05.2022
  • Provide exceptional customer service while responding to all inbound inquiries including the following call types: pending applications due to fraud or credit risk, credit limit increases and merchant support
  • Adjudication of applications pended for credit review to determine eligibility based on credit guidelines
  • Adjudication of select applications pended for fraud risk
  • Validate and verify applicants over the phone to mitigate application fraud
  • Review supporting documentation to confirm applicant identity customer requests for increased credit limit assignment
  • Support merchants with completing the application process for point of sale/real time credit application process
  • Adhere to established departmental escalation procedures, quality standard guidelines, and requirements and controls in relation to pci compliance standards
  • Report customer feedback by adhering to established escalation matrix
  • Remain tactful and composed when handling conflict and stressful situations while maintaining a high level of customer service and retaining goodwill
  • Provided administrative support to other operations team members in way of customer account status changes, financial adjustments, merchant invoice review or other duties as assigned
  • Proactively provided manager with inquiry/complaint trends and ideas for process improvement
  • Respond to emails and other offline work items within the identified service level agreements.

Education

Post-Graduation diploma in Computer Science Technology -

Matrix College

BBA (Bachelor of Business Administration) -

Osmania university

Skills

  • Advanced MS Office Suite Knowledge
  • Customer relationship management
  • Detail-oriented
  • Complaint resolution
  • Credit Analysis
  • Time Management
  • Ability To Multitask
  • Managing Delinquent Accounts
  • Judgmental Lending
  • Organizational Skills

Timeline

Business Banking Advisor

RBC
12.2024 - Current

Debt Counsellor (Collections)

Total credit recovery
02.2023 - 12.2023

Loan Verification Specialist

Bill gosling
07.2022 - 01.2023

Credit Analyst

Flexiti
04.2021 - 05.2022

Post-Graduation diploma in Computer Science Technology -

Matrix College

BBA (Bachelor of Business Administration) -

Osmania university
MANISHA GOPU