Ravneet Kaur
Mississauga,Canada
Summary
Results-driven Credit Analyst with a proven track record in conducting credit risk assessments, portfolio management, and financial analysis. Experienced in developing credit policies and procedures and providing credit recommendations.
Overview
11
11
years of professional experience
Work History
Customer Service Representative
Fairstone Bank
10.2023 - Current
- Resolved customer complaints in a timely manner while ensuring customer satisfaction
- Generated letters, emails, and other correspondence related to enrollments
- Handled the modification and updating of policies
- Precisely calculated refunds, premiums, and adjustments
- Maintained accurate records of customer interactions and transactions
- Conducted regular follow-up calls with customers after resolving their issues
- Answered customer inquiries via phone, email, and chat
- Answered inbound calls, chats, and emails to facilitate customer service
- Assist the clients with requests for refinancing and interest rate changes for auto loans
- Contribute with actionable insights for policy changes based on market analytics and qualitative feedback from sales staff
- Oversee the processing of rate changes, billing and payments, advances and maintenance activity related to execution of the loan agreement
- Devise solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
- Provide advice and guidance to team members on implementation of solutions.
- Support the execution of strategic initiatives in collaboration with internal teams and external dealer partners
- Build effective relationships with internal/external stakeholders.
- Properly analyze problems, data and information to provide insights and recommendations.
- Participate in team projects, keeping up to date on new initiatives and processes.
- Execute work to deliver timely, accurate, and efficient service.
- Provide coaching guidance to junior team members.
- Provides first point of contact operational support to internal business partners and end clients.
- Provide regular updates on operational issues to business partners.
- Ensure Incident Management Processes are followed.
- Support change management of varying scope and type; tasks typically focused on execution of policies and procedures .
- Support the development of tailored messaging, which may include sending emails , text messages to client enquiries.
- Organize work information to ensure accuracy and completeness.
- Identify, diagnose, and solve problems within given rules.
Bank Advisor
Royal Bank Of Canada
08.2023 - 10.2023
- Opened, closed, and updated accounts for customers
- Evaluated client financial positions and identified most appropriate banking products
- Managed inbound calls and applied conflict resolutions skills and extensive knowledge of bank policies, products, and services
- Provided advice on different bank products and financial options
- Developed and maintained strong customer relationships, providing exceptional service and advice
- Educated customers on online banking and mobile banking applications
- Executed wire transfers, stop payments and account transfers
Credit Analyst
HDB Financial services
06.2014 - 05.2022
- Ensure that loan servicing requests are accurately processed and documentation requirements are satisfied
- Review and verify credit applications and conduct end-to-end workflow in order to book and fund the deal in loan system
- Reviewing all loan documentation and ensuring that the terms and conditions comply with the approved credit facility
- Monitor past-due items and assist the loan administrator with the collection of delinquent accounts
- Liaise with the corporate Team, agent banks, legal counsel and other external stakeholders to ensure documents and processes are in order
- Train and coach other loan administration staff on loan servicing.
- Review and verify mortgage supporting documents for completeness and accuracy .
- Coordinate with agents to gather necessary information and resolve discrepancies in documentation.
- Ensure compliance with company's mortgage policy and guidelines .
- Communicate effectively with agents regarding application status and address concerns.
- Identify and resolve issues that arise during mortgage loan approvals .
- Escalate any changes to the approval back to higher authority for review and approval.
- Complete signing and compliance packages for Deal Desk files.
- Communicate with lender partners about outstanding conditions and documents.
- Update Salesforce with outstanding conditions and document statuses.
- Report any issues or concerns to a supervisor.
- Manage deal flow and maintain funding ratios with lenders.
- Collaborate with team members to improve the Underwriting Department and business processes.
Education
CSC -
CSC Canadian Securities Institute
11.2021
MBA - undefined
Punjab Technical University
05.2014
Skills
- Able to multi-task
- Interpersonal skills
- Analytical and detailed
- Complaint resolution
- Experience using Microsoft 365 , Salesforce and CRM software
- Problem Resolution
- Good at Negotiation
- Strong problem-solving skills
LANGUAGES
English: Fluent
Native or Bilingual
Punjabi
Native or Bilingual
Hindi
Native or Bilingual
Accomplishments
- Independently managed new branch's Credit system alignment.
- Reduced delinquency percentage and maintained High quality branch portfolio.
- 60-70% customer approached for Top up loans due to good customer service.
Timeline
Customer Service Representative
Fairstone Bank
10.2023 - Current
Bank Advisor
Royal Bank Of Canada
08.2023 - 10.2023
Credit Analyst
HDB Financial services
06.2014 - 05.2022
MBA - undefined
Punjab Technical University
CSC -
CSC Canadian Securities Institute
Similar Profiles
Rutanshu BarotRutanshu Barot
Financial Services Officer - Loans and Mortgages at Fairstone BankFinancial Services Officer - Loans and Mortgages at Fairstone Bank
Shagundeep Kaur ButtarShagundeep Kaur Buttar
Senior Lending Specialist at Fairstone BankSenior Lending Specialist at Fairstone Bank
Amandeep KaurAmandeep Kaur
Senior Lending Specialist at Fairstone BankSenior Lending Specialist at Fairstone Bank