Nidhi Malhotra
Toronto,ON
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
12
12
years of professional experience
1
1
Certification
Work History
Senior Personal Banker
TD Canada Trust
Toronto, Canada
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, Canada
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.
- 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.
- 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, Canada
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.
Customer Experience Associate
TD Canada Trust
Windsor, Canada
08.2018 - 07.2020
- 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 update on the status of routine activities.
Branch Service Partner
Yes Bank Ltd.
Jalandhar, India
07.2016 - 12.2017
- Handled corporate customers' inquiries and instructions, while ensuring that the Bank's delivery standards are met in achieving total customer satisfaction.
- Responsible for Branch upkeep and maintenance and control over cost expenditures.
- Monitored internal GL and reconciliation of accounts updated.
- 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.
- Responsible for improving the Internal Audit Operational Efficiency score of the branch by timely completion of assigned tasks on continuous basis.
- 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.
Contract 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.
Education
Post Graduate Diploma - International Business Management & Logistics
St. Clair College
Windsor, Canada08.2019
Bachelor's in Computer Application - Computer Application
Guru Nanak Dev University
Jalandhar, India04.2012
Skills
- Interpersonal Skills
- Decision Making
- Business Development
- Attention to Detail
- Organizational Skills
- Financial Analysis
- Relationship Building and Management
Languages
English
Native or Bilingual
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
Certification
IFIC Certified in Nov 2020
PFSA Certified in Aug 2022
Financial Planning-I in Jan 2023
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
Contract Executive
HDFC Bank Ltd.
09.2012 - 01.2014
Post Graduate Diploma - International Business Management & Logistics
St. Clair College
Bachelor's in Computer Application - Computer Application
Guru Nanak Dev University