Rishab Chadda
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
10
10
years of professional experience
Work History
Mortgage Consultant
Crosstown Mortgage Group
03.2023 - Current
- Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
- Assisted clients in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
- Implemented efficient documentation practices that expedited processing times while ensuring compliance with industry regulations.
- Conducted comprehensive financial assessments to determine borrower eligibility for various loan programs, optimizing client outcomes.
- Exceeded sales targets by cultivating strong relationships with real estate professionals, generating a steady stream of referral business.
- Ensured exceptional customer service by maintaining consistent communication throughout the entire loan origination process.
- Researched and updated industry knowledge on changing legislation and regulations.
- Demonstrated excellent negotiation skills when working with underwriters to obtain favorable loan terms for borrowers in challenging situations.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Proactively identified solutions for customers experiencing credit issues.
- Compiled closing packages for drafting and presentation accuracy.
Mortgage Consultant
Citadel Mortgages
12.2022 - 03.2023
- Negotiated favorable loan terms on behalf of clients, securing advantageous deals that aligned with their financial goals.
- Educated first-time homebuyers on the mortgage process, guiding them through each step from pre-approval to closing.
- Maintained compliance with industry regulations and company policies while processing loan applications.
- Organized informational seminars on mortgages for both prospective buyers as well as real estate professionals which resulted in higher referral rates.
- Developed marketing strategies targeting specific demographics within local communities leading to increased brand awareness among potential clients.
- Developed strong relationships with real estate agents, fostering referrals and expanding business opportunities.
- Analyzed complex financial data to determine appropriate loan options for clients based on their unique circumstances.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Financial Advisor
Bank Of Nova Scotia
07.2021 - 09.2022
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.
- Provided specialized financial planning support for clients with diverse portfolios and individual needs.
- Implemented tax-efficient strategies for clients, maximizing returns while minimizing tax liabilities.
- Informed clients of strategies for reducing debt and maximizing savings.
- Implemented exit strategies for clients to transition out of investments.
Bank Teller
Bank Of Nova Scotia
01.2021 - 07.2021
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
- Processed customer transactions promptly, minimizing wait times.
- Resolved customer issues promptly, fostering positive relationships between the bank and its clients.
- Counted and packaged currency and coins.
- Identified fraudulent activities by diligently monitoring transactions and reporting suspicious activity to management.
Control Room Officer
GardaWorld Security
03.2019 - 05.2021
- Managed access control systems, verifying credentials and granting appropriate access levels to authorized individuals only.
- Reduced response times for critical incidents through effective coordination with on-site security personnel.
- Developed strong working relationships with local law enforcement agencies, facilitating cooperation during joint response efforts or investigations relating to control room operations.
- Maintained a high level of operational readiness by participating in regular training exercises and staying current on industry best practices.
- Conducted video surveillance reviews to identify potential security risks or breaches, taking corrective action when necessary.
- Played a key role in the successful handling of various emergency situations, providing critical support and coordination to ensure swift resolution and minimal impact on operations.
- Increased situational awareness by maintaining accurate logs of all activities in the control room and sharing pertinent information with relevant stakeholders.
- Developed, strengthened and maintained plans for various contingencies and emergency situations.
Shift Manager
Pizza Hut
03.2019 - 04.2021
- Handled escalated customer issues effectively, demonstrating strong problem-solving skills while upholding company values and standards.
- Trained new employees on company policies, procedures, and job responsibilities, ensuring seamless integration into the team.
- Improved overall team performance by effectively delegating tasks and providing clear instructions.
- Supervised employees and oversaw quality compliance with company standards for food and services.
- Collaborated with other Shift Managers to maintain consistency in policies enforcement across all shifts, fostering a cohesive workplace culture.
- Consistently exhibited calm demeanor during periods of high volume or unusual events to keep store operating smoothly and set positive example for shift team.
- Tracked receipts, employee hours, and inventory movements.
- Managed employee schedules to ensure adequate coverage during peak hours, resulting in a smoother workflow.
- Ensured strict adherence to safety guidelines, reducing workplace accidents and incidents significantly over time.
Sales Associate
Puma Sports
08.2017 - 02.2019
- Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
- Handled cash transactions efficiently while adhering to company cash handling policies, ensuring accuracy in all financial exchanges.
- Built relationships with customers to encourage repeat business.
- Managed returns, exchanges and refunds in accordance with store policy.
- Prepared merchandise for sales floor by pricing or tagging.
- Helped customers locate products and checked store system for merchandise at other sites.
- Answered customer questions about sizing, accessories, and merchandise care.
- Provided positive first impressions to welcome existing, new, and potential customers.
- Engaged with customers to build rapport and loyalty.
- Solved customer challenges by offering relevant products and services.
- Assessed customer needs and utilized suggestive selling techniques to drive sales.
Sales Manager
HDFC Bank
07.2015 - 07.2017
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Increased sales revenue by developing and implementing effective sales strategies.
- Built long-lasting client relationships through excellent customer service and consistent followups.
- Led a successful sales team by providing motivational coaching and performance-based incentives.
- Organized regular sales meetings to review progress, share best practices, and set achievable targets for continued success.
- Closed lucrative sales deals using strong negotiation and persuasion skills.
- Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
- Managed key accounts with strategic planning and relationship building, resulting in increased customer loyalty and repeat business.
- Maintained ethical and positive working environment to reduce turnover and promote high retention rates.
- Provided ongoing training and mentorship for junior sales staff, fostering professional development and career growth.
- Facilitated cross-functional communication between sales, marketing, and product development teams to ensure cohesive efforts towards shared goals.
- Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
- Collaborated with advertising group to create uniformity between advertising messages and retail incentives.
- Drove sales by developing multi-million dollar contract sales.
Financial Advisor
Kotak Mahindra Bank
05.2014 - 07.2015
- Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Worked closely with insurance providers to assess suitable coverage options tailored to individual client requirements for risk management purposes.
- Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
- Worked with clients to support understanding of rationale and details of financial strategies.
- Ensured compliance with industry regulations and company policies while serving clients'' best interests.
- Assisted clients with preparing financial plans, conducting investment research, and completing trades and transactions to assess and meet financial goals.
- Facilitated new client onboarding process and investment account setup.
- Provided comprehensive retirement planning services, ensuring clients maintain their desired lifestyle postretirement.
Education
No Degree - Mortgage Broker License
University of British Columbia
Vancouver, BC11.2022
No Degree - Mutual Funds License
Investment Funds Institute of Canada
Vancouver06.2021
Post Graduate Diploma in Business Administration - Business Administration
Langara College
Vancouver, BC04.2019
Bachelor of Commerce - Commerce And Business Administration
Guru Nanak Dev University
India03.2014
Skills
- Relationship building and management
- Document Review
- Credit analysis
- Financial Services
- Sales expertise
- Portfolio Management
- Loan Processing
- Goal-Oriented
- Negotiation Tactics
- Regulatory Compliance
- Attention to Detail
- Customer Service
- Decision-Making
- Analytical and Critical Thinking
- MS Office
- Time Management
- Problem-Solving
- Organization skills
- MS Excel
- Excellent Communication
Languages
English
Native or Bilingual
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
Timeline
Mortgage Consultant
Crosstown Mortgage Group
03.2023 - Current
Mortgage Consultant
Citadel Mortgages
12.2022 - 03.2023
Financial Advisor
Bank Of Nova Scotia
07.2021 - 09.2022
Bank Teller
Bank Of Nova Scotia
01.2021 - 07.2021
Control Room Officer
GardaWorld Security
03.2019 - 05.2021
Shift Manager
Pizza Hut
03.2019 - 04.2021
Sales Associate
Puma Sports
08.2017 - 02.2019
Sales Manager
HDFC Bank
07.2015 - 07.2017
Financial Advisor
Kotak Mahindra Bank
05.2014 - 07.2015
No Degree - Mortgage Broker License
University of British Columbia
No Degree - Mutual Funds License
Investment Funds Institute of Canada
Post Graduate Diploma in Business Administration - Business Administration
Langara College
Bachelor of Commerce - Commerce And Business Administration
Guru Nanak Dev University
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