NAVJOT KAUR
BANKER
Brampton,Canada
Summary
Experienced banking professional with superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Manager
Union Bank Of India
Panchkula , Haryana
08.2021 - 10.2022
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Reviewed and analyzed loan procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Deputy Branch Manager
Union Bank Of India
Mukerian, Punjab
02.2017 - 08.2017
- Assessed employee performance and developed improvement plans.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Maintained friendly and professional customer interactions.
- Boosted sales and customer loyalty through incentive programs.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
- Submitted loan applications to underwriter for verification and recommendation.
- Consulted customers to boost product sales and services.
Customer Service Representative
Union Bank Of India
Purhiran , Punjab
08.2017 - 06.2018
- Provided primary customer support to internal and external customers.
- Updated account information to maintain customer records.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Responded to customer requests for products, services, and company information.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Enhanced productivity levels by anticipating needs and delivering outstanding support.
- Followed up with customers about resolved issues to maintain high standards of customer service.
- Educated customers about billing, payment processing and support policies and procedures.
- Delivered prompt service to prioritize customer needs.
- Trained new personnel regarding company operations, policies and services.
Credit Manager
Union Bank Of India
Bajwara, Punjab
06.2016 - 02.2017
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Reviewed and analyzed loan procedures.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Monitored accounts for signs of fraud and non-payment issues.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
Administrative Assistant
Union Bank Of India
Purhiran , Punjab
07.2018 - 08.2021
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Scheduled office meetings and client appointments for staff teams.
- Sorted and distributed office mail and recorded incoming shipments for corporate records.
- Developed strategies to streamline and improve office procedures.
- Drafted correspondence and other documents for CEO and department heads in company's voice.
- Assisted coworkers and staff members with special tasks on daily basis.
- Increased office participation in special events by creating newsletter with detailed calendars and other office updates.
- Managed filing system, entered data and completed other clerical tasks.
- Built and maintained excellent customer relationships through timely response to inquiries and going above and beyond to accommodate unusual requests.
- Managed phone and email correspondence and handled incoming and outgoing mail and faxes.
- Established administrative work procedures to track staff's daily tasks.
- Completed forms, reports, logs and records to quickly handle all documentation for human resources.
Education
Masters Of Science - Information Technology
Punjab University Chandigarh
Hoshiarpur07.2012
Bachelor In Computer Applications - Computer Applications
Punjab University Chandigarh
Chabbewal07.2010
Skills
- Credit Reports
- Sales proficiency
- Proficient in ENGLISH, HINDI and PUNJABI
- Microsoft Office 365
- Strategic Thinking, Multi-tasking
- Superior attention to detail and accuracy
- Staff Management
- Cash handling expertise
- Ability to work in a fast paced team based environment
- Product Strategy, Problem Solving, Team Building, Time management and Interpersonal skills
- Expertise in FINACLE 7 and FINACLE 10 software
- Performance Monitoring
- Reporting & Documentation
- Policy Application
Certification
- CIFC/IFIC CERTIFIED , IFSE JANUARY 2023
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Manager
Union Bank Of India
08.2021 - 10.2022
Administrative Assistant
Union Bank Of India
07.2018 - 08.2021
Customer Service Representative
Union Bank Of India
08.2017 - 06.2018
Deputy Branch Manager
Union Bank Of India
02.2017 - 08.2017
Credit Manager
Union Bank Of India
06.2016 - 02.2017
Masters Of Science - Information Technology
Punjab University Chandigarh
Bachelor In Computer Applications - Computer Applications
Punjab University Chandigarh
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