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, Maharashtra07.2017
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