Summary
Overview
Work History
Education
Skills
Timeline
Generic

ROSHAN DSOUZA

Delta,BC

Summary

Proven Credit Application Analyst with a track record of enhancing submission quality and compliance. Leveraged analytical thinking and exceptional communication skills to streamline Real Estate Lending processes, achieving rigorous quality standards. Proficient in MS Office, demonstrating unparalleled attention to detail and a customer-centric approach.

Overview

5
5
years of professional experience

Work History

Credit Application Analyst

Toronto Dominion Bank
01.2024 - Current
  • Providing operational support to the Sales Channel and Credit Underwriting function including submission quality and document compliance with a Customer Centric mindset.
  • Supporting Sales Channel by reviewing / updating / and analyzing all credit documentation for accuracy and adherence to all regulatory requirements.
  • Accountable for completing a range of responsibilities associated with Real Estate Secured Lending products, involving single to multiple steps across several systems and applications.
  • Collecting and examining relevant information and documents for each Real Estate Secured Lending application.
  • Effectively manage a significant workload to ensure timely completion and adherence to rigorous quality standards.

Client Resolution Specialist, Senior Credit Counsellor

Canadian Imperial Bank of Commerce
05.2023 - Current
  • Help with collections for current CIBC accounts and CIBC accounts assigned to collection agencies
  • Handle escalation and complaints calls from Credit Counsellors of Client Account Management
  • Process and Approve settlement or write off request after accessing clients financial conditions
  • Approve Right of Offset reversal requests
  • Send requests for reinstatement of Credit Card and Bank accounts after reviewing credit reports
  • Send requests for Credit Bureau Amendments

Credit Counselor

Canadian Imperial Bank of Commerce
10.2022 - 05.2023
  • Arranged for debt repayment and established repayment schedules, based on customers financial situations
  • Located and notified customers of delinquent accounts by mail and telephone to solicit payment
  • Performed various administrative functions for assigned accounts, such as recording address changes and purging records of deceased customers
  • Recorded information about financial status of customers and status of collection efforts
  • Answered customer questions regarding problems with accounts

Customer Service Officer

Inland Revenue
09.2021 - 12.2021
  • Assisting taxpayers with their queries via inbound and outbound calls, or email
  • Delivering timely, accurate, effective and professional services to Inland Revenue customers
  • Assist completing taxpayer registrations, reconciling and checking returns, managing taxpayer queries
  • Help taxpayers receive payments and benefits they are entitled to
  • Provide advice and services across tax types, activities and communication channels (telephone/email) to ensure that high quality and consistent customer experiences are provided that meet the needs and expectations of customers
  • Educating taxpayers regarding their tax obligations, due dates, outstanding returns, benefits, payments, etc
  • Ensuring the integrity and accuracy of customer information we hold

Sales Advisor

H&M
10.2019 - 09.2021
  • Offered advice and assistance to customers, paying attention to their needs or wants, recommended products to customers, thoroughly explaining details
  • Checked prices for customers, processed POS transactions, cash and credit purchases or refunds
  • Answered customer questions and provided detailed information about products, store policies and concerns to support positive customer experiences
  • Changed sales floor signs to show current pricing and support product promotions, educated customers on promotions to enhance sales
  • Counted cash in the register drawer at beginning and end of shift
  • Blocked and faced products on displays and shelves in accordance with company policy, restocked, arranged and organized merchandise in front lanes to drive product sales
  • Trained and helped team members on checkout procedures and strategies to maximize customer satisfaction

Education

Master Of Business Management -

University of Canterbury
04.2020

Post Graduate Diploma - Industrial Automation

12.2018

Bachelor Of Engineering - Electronics & Telecommunication

University of Mumbai
Mumbai, Maharashtra
07.2017

Skills

  • Analytical Thinking
  • Ensuring Compliance
  • Communication
  • Real Estate Lending
  • MS office proficient
  • Attention to detail

Timeline

Credit Application Analyst

Toronto Dominion Bank
01.2024 - Current

Client Resolution Specialist, Senior Credit Counsellor

Canadian Imperial Bank of Commerce
05.2023 - Current

Credit Counselor

Canadian Imperial Bank of Commerce
10.2022 - 05.2023

Customer Service Officer

Inland Revenue
09.2021 - 12.2021

Sales Advisor

H&M
10.2019 - 09.2021

Post Graduate Diploma - Industrial Automation

Bachelor Of Engineering - Electronics & Telecommunication

University of Mumbai

Master Of Business Management -

University of Canterbury
ROSHAN DSOUZA