Summary
Overview
Work History
Education
Skills
Languages
Accomplishments
Timeline
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Patricia Jain

Patricia Jain

Markham,ON

Summary

Energetic and analytical with keen eye for detail and passion for uncovering insights. Proactive at heading off issues in operations, workflow and production by uncovering trends affecting business success. Committed to driving data-driven decisions and delivering actionable recommendations.

Overview

23
23
years of professional experience

Work History

Lending Analyst, Unsecured Lending

Tangerine Bank
04.2020 - Current
  • Maintaining the service levels in underwriting.
  • Analyzing and strong decision making on Tangerine Unsecured applications.
  • Ensure that all Tangerine Credit Policies are followed.
  • Sound, effective and prompt assessment/decision making on new Tangerine Unsecured applications including the review of any additional information or documentation received to ensure accuracy and legitimacy.
  • Assessment of any additional information received within service level agreements.
  • Conduct review of necessary documentation.
  • Customer Service levels are met relating to e-mails, phone messages and fax enquiries, this is done by ensuring all e-mails, phone messages and fax enquiries are responded by end of day.
  • Hold or ability to hold a delegated lending authority as issued by Risk Management.
  • Maintaining a high level of accuracy and consistency in document verification. Managing a busy workflow while maintaining a high level of accuracy and meeting define service standard.
  • Assisting the Bank to meet its sales and service objectives at the same time as managing the Banks risk.
  • Assist in solution management dedicated to providing to positive work environment, fostering teamwork, growth and high team morale.
  • Liaising with different areas of the department and developing relationships to ensure that job is done.
  • Keep abreast of all Unsecured Lending Standards, Credit Policies, Guidelines and Procedures.

CBS Specialist, Lending Processing

Tangerine Bank
12.2015 - 03.2020
  • Complete all clients requests received from the Web, Call Center, mail and fax within established timeframes
  • Responsible for the training/support of new associates
  • Strong investigative skill set to be able to test and problem solve
  • Contribute to the ongoing process improvements in the Client Business Support Department
  • Process financial transactions for line of credit, property tax, residential and commercial mortgages within established timeframes and according to instructions provided
  • Resolve all account investigations efficiently and accurately
  • Analyze and verify data in the mortgage and credit system
  • Prepare weekly and monthly remittances to our third party investors
  • Collaborate with various departments within the bank to resolve complex client issues
  • Assist with the Securitization tasks
  • Ensure that policies and procedures are respected as per the Department's parameters
  • Understanding of Tangerine's mortgage guidelines, processes and procedures including CMHC, Genworth and familiarity with Tangerine's Charge Terms as they pertain to Mortgage Servicing
  • Participate in testing and development of training material as required by the business

CBS Associate, Lending Processing

Tangerine Bank
06.2015 - 12.2015
  • Complete all clients requests received from the Web, Call Center, mail and fax within established timeframes
  • Prioritization of allocated workflow
  • Strong investigative skill set to be able to test and problem solve
  • Contribute to the ongoing process improvements in the Client Business Support Department
  • Process financial transactions for line of credit, and mortgages within established timeframes and according to instructions provided

Mortgage and Savings Specialist

Tangerine Bank
12.2005 - 06.2015
  • Respond promptly and professionally to inbound calls from current or potential Tangerine clients guided by the principle of one and done
  • Responsible for selling and promoting the value of the services offered by Tangerine
  • Maximize individual and team sales goals to support the objectives of sales and services department
  • Provide 'one and done' servicing to existing clients and forward client concerns to management
  • Respond to all inbound calls from existing and potential clients in a prompt and professional manner
  • Assist clients with concerns about account information including transactions, transfers and statements
  • Gather all relevant details and be adept at discussing all aspects of mortgage application
  • Contribute positively to the team effort with ideas and suggestions and actively participate in team meetings and discussions
  • Resolve client issues in a manner that meets the needs of the client while at the same time, maintaining the Tangerine standard of excellence
  • Maximize individual and team goals to support the objectives of the Service and Sales Department

Customer Service Coordinator

Winners
08.2002 - 08.2005
  • Responsible for smooth operation of all front line cashiers
  • Responsible for approval of returns, price adjustment and merchandise holds
  • Responsible for training and development of associate in cash and service area
  • Preparing and balancing daily sales report, and reconciling daily cash balances to cash on hand
  • Co-ordination of associate's schedule, preparing and facilitating cash floats with adequate change

Education

Diploma course -

National Institute of Information Technology(NIIT)
01.1999

Bachelors of Commerce -

Madurai Kamraj University
09-1998

Skills

  • Analytical thinking and problem solving
  • Time management
  • Microsoft office (Word, Excel, Outlook)
  • Attention to detail
  • Information gathering
  • Critical thinking
  • Data research and validation
  • Decision-making
  • Compliance analysis
  • Evidence-based decision making
  • Audit support
  • Risk mitigation
  • Process improvements
  • Process enhancement
  • Relaying complex information
  • Verbal and written communication
  • Teamwork and collaboration

Languages

English
Hindi
Chinese

Accomplishments

  • Recognized by Best of the Best 2024, for one of Scotiabank's Top Individual Performance
  • Attended Art Of Leadership for Women Conference (special guest Malala Yousafzai), April 2018

Timeline

Lending Analyst, Unsecured Lending

Tangerine Bank
04.2020 - Current

CBS Specialist, Lending Processing

Tangerine Bank
12.2015 - 03.2020

CBS Associate, Lending Processing

Tangerine Bank
06.2015 - 12.2015

Mortgage and Savings Specialist

Tangerine Bank
12.2005 - 06.2015

Customer Service Coordinator

Winners
08.2002 - 08.2005

Diploma course -

National Institute of Information Technology(NIIT)

Bachelors of Commerce -

Madurai Kamraj University

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Patricia Jain