NIDHI MALHOTRA
30 Gibbs Rd, Etobicoke, Ontario,Canada
Summary
Top-performing professional with substantial experience in banking and finance. Dedicated to establishing long-term relations with customers to demonstrate trust and decrease account closure rates. Adept at understanding customer needs to recommend appropriate banking products.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Personal Banker
TD Canada Trust
Toronto, ON
05.2023 - Current
- Applying sound and appropriate financial strategies to strengthen client partnerships and create long- term profitable relationships
- Conducting business development activities that generate referrals and new opportunities to achieve performance targets
- Fostering internal and external relationships with influential associates to grow opportunities through referrals and optimize sales and service results
- Identifying lending opportunities during the credit interview process (including mortgages (simple or complex), loans, lines of credit), and managing those opportunities skillfully and compliantly
- Administering personal banking and small business banking accounts, loan applications, and investment accounts, both registered and non-registered
- Resolving problems or referring them to correct departments when necessary
Personal Banker
TD Canada Trust
Toronto, ON
01.2022 - 04.2023
- Play a key role in advising customers of high-level financial solutions from a range of available investment and credit banking solutions
- By asking thoughtful financial questions, engage with customers and create positive experiences to retain and deepen relationships
- Increase customer financial confidence by providing personalized financial advice, answering customer questions, and addressing their concerns, raising matters as appropriate to team members or partners while maintaining confidentiality and accuracy
- Act as a point of contact for the frontline staff in handling customer problems
- Maintain professional space in common areas as per marketing and regulatory guidelines
- Work closely with existing and prospective customers to provide financial reviews, discuss portfolio updates and suggest additional personalized solutions based on their financial goals
- Stay knowledgeable about emerging issues, evolving regulations and industry codes of conduct as well as participate in process improvement opportunities to protect the interests of the organization
- Strive to achieve and improve service level agreements and productivity targets
- Internal
- Ensure documents are prepared consistent with relevant regulations and in a way properly reflecting business intention
- Participate fully as a team member, help build a positive and diverse work environment, willingly assist and mentor others in the completion of work activities, and address communication issues efficiently
Personal Banking Associate
TD Canada Trust
Fort Erie, ON
07.2020 - 12.2021
- Engage customers in day-to-day advice needs, service transactions, digital education, and customer problem resolution related to banking solutions
- Understand customer needs and guide customers to the right contact person for appropriate solutions while exercising good judgement in confidential matters
- Build customer confidence on emerging digital banking trends by educating them on mobile, ATM, and online banking
- Support the frontline staff with scheduled cash and non-cash transactions; resolve critical issues and report non-standard matters to management
- Recommend improvements to work practices, branch operations and processes to enhance customer experience and achieve operational excellence
- Participate in the timely and accurate completion of business processes and procedures
- Ensure prepared documentation is accurate, reflects business intentions, and is consistent with relevant regulations and TD's Code of Conduct and Ethics
- Help build a positive and equitable work environment by promoting team effectiveness, participating in personal performance development, and sharing industry knowledge to achieve common objectives
Customer Experience Associate
TD Canada Trust
Windsor, ON
08.2018 - 07.2020
- Process financial transactions such as, deposits, withdrawals, and bill payments as per standardized operating procedures, industry regulations and TD's Code of Conduct and
- Ethics
- Understanding and determining customer needs to recommend solutions specific to those needs while exercising discretion in confidential matters
- Respond and resolve customers' concerns using standard procedures and escalating nonstandard activities, as necessary
- Achieve assigned goals and business objectives by promoting banking solutions and completing business processes in a timely and accurate manner
- Connect personally with customers to advise them appropriately and clearly on banking solutions and processes
- Help build a positive, diverse, and equitable work environment by promoting team effectiveness as well as participating in personal performance development
- Assist the team by respecting coworkers, staying dedicated, and keeping everyone uptodate on the status of routine activities
- Deliver quality customer experiences and recommend operational improvements where opportunity exists to improve and achieve operational excellence.
Branch Service Partner
Yes Bank Ltd
Jalandhar, India
07.2016 - 12.2017
- Followed standard operating procedures regarding the processes for account opening, account maintenance & account closure related formalities as per YBL process for corporate clients
- Handled corporate customers’ inquiries and instructions, while ensuring that the Bank’s delivery standards are met in achieving total customer satisfaction
- Internal
- Ensured adherence to process & documentation standards
- Addressed all transaction related inquiries i.e
- Pre, post and current transaction processing and escalations
- Ensured strong monitoring of all transactions
- Assisted in follow up activities on recoveries/monies owed to customers
- Monitored internal GL and reconciliation of accounts updated
- Generated MIS reports as per requests
- Provided the highest quality service to our corporate customers
- Responsible for Branch upkeep and maintenance and control over cost expenditures
- Ensured proper banking procedures, regulations and guidelines across retail products
- Complied with bank policies and procedures to ensure safety and security of the bank and customers assets.
Customer Service Officer
Axis Bank Ltd
Phagwara, India
01.2014 - 07.2016
- Timely processing of bank transactions such as funds transfer, cheques, opening of accounts, reconciliation of office accounts, ensuring timely resolution of customer queries and improving customer service levels
- Provided with internal certifications in the areas of enhancing knowledge about Bank's products, Finacle system, processes and regulatory norms like Know Your Customer, Anti
- Money Laundering- AML, etc
- Ensured compliance to the bank's rules and regulations- internal guidelines, processes and procedures
- Responsible for improving the Internal Audit Operational Efficiency score of the branch by timely completion of assigned tasks on continuous basis
- Internal
- Involved in protecting the bank's property as per safety norms and ensuring ethical conduct in ordinary course of business
- Lead generation for Current Account and Savings Account - CASA to new customers and deepening of account balances for existing customers
- Responsible for Cross Selling third-party products (Life Insurance - LI, General Insurance -
- GI, Mutual Funds - MF, Debit/ Credit Cards, etc
- To the existing customer base.
Executive
HDFC Bank Ltd
Jalandhar, India
09.2012 - 01.2014
- Gave the most ideal advice to clients depending on short or long-term financial goals
- Considered the clients financial needs and giving the best possible advice depending on the financial situation
- Offered the best possible asset management advice
- Assured and advised clients towards specific investment decisions with a clear understanding of the risks involved
- Generated revenue for the bank.
Education
International Business Management & Logistics (Supply Chain Management
St. Clair College
Windsor, CA08.2019
Bachelor's in Computer Application -
Guru Nanak Dev University
Jalandhar, IN04.2012
High School - Economics, Mathematics And Computers
DAV College
Jalandhar, IN03.2009
Skills
- Interpersonal Skills
- Decision Making
- Business Development
- Attention to Detail
- Organizational Skills
- Financial Analysis
- Relationship Building and Management
Certification
IFIC Certified in Nov 2020
PFSA Certified in Aug 2022
Financial Planning-I in Jan 2023
Additional Information
- Voluntary Experience in a Non-profit organization which provides food to young students and poor people in India called NAVSANKALP.
- AWARDS Scholarship from St. Clair College – High GPA Axis Bank Ltd., Punjab, India – Certificate & Trophy for Top 10 employees
Languages
English
Hindi
Punjabi
Timeline
Senior Personal Banker
TD Canada Trust
05.2023 - Current
Personal Banker
TD Canada Trust
01.2022 - 04.2023
Personal Banking Associate
TD Canada Trust
07.2020 - 12.2021
Customer Experience Associate
TD Canada Trust
08.2018 - 07.2020
Branch Service Partner
Yes Bank Ltd
07.2016 - 12.2017
Customer Service Officer
Axis Bank Ltd
01.2014 - 07.2016
Executive
HDFC Bank Ltd
09.2012 - 01.2014
International Business Management & Logistics (Supply Chain Management
St. Clair College
Bachelor's in Computer Application -
Guru Nanak Dev University
High School - Economics, Mathematics And Computers
DAV College