Shijo Joseph
Mississauga,ON
Summary
Dedicated banking professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
11
11
years of professional experience
Work History
Creditor Insurance Specialist
CIBC
North York, ON
09.2021 - Current
- Answer inbound calls from clients, business partners and internal departments on their queries related to Creditor insurance(Life Insurance ,Critical Illness Insurance ,Disability Insurance, Job-loss Insurance) on Mortgage,Personal lines of Credit and Personal Loan.
- Process all insurance cancellation queues and act as first point of contact for retail banking officers on creditor insurance.
- Recommend best premium options to client based on certificate of insurance.
- Investigate and work cases involving delayed refund of premiums, underwriting or payment disbursements.
- Proficient in navigating through Canada Life claim system to follow up on claims and provide detailed explanation to client in regards to status of claim approvals.
- Process refund of premiums or excess charges of insurance to clients account upon request
- Ensure best solutions are offered to meet clients needs and comply with CIBC policies and regulatory requirements.
Mortgage Processing Officer
CIBC
Mississauga, ON
07.2019 - 08.2021
- Review Disability and Job-Loss insurance applications on mortgage to ensure completeness and accuracy of information provided, ensure information provided on the application matches information stored in system.
- Follow up on discrepancies (e.g. missing or incomplete documents, shortage or overpayment of funds.
- Usage of software’s like Aurora, Class, ECIF Excalibur, IPRO, Coins etc.
- Make necessary calculations on Disability and Job-Loss premiums and or allocation of payment to the mortgage and liaise with CIBC collections/helpline to clear outstanding funds, collect all relevant fees, penalties and interest due.
- Responsible for preparing packages with Money orders/Bank drafts to be sent to our business partners.
- Responsible for pulling daily reports and assigning it to the team members based on the workload. Review arrears, renewals, escalation reports on a weekly basis.
- Strive to meet high levels of customer satisfaction by processing incoming requests from internal /external business partners and clients efficiently.
- Prioritize and organize workload based on risk/severity
Associate(Customer Sales & Support)
State Bank Of India
Kerala, India
05.2015 - 04.2019
- Provided exceptional customer service while responding to all inbound inquiries as well as making outbound inquiries on deposits and advances.
- Worked on software's like Bankslink software, LOS software.
- Serviced current accounts opened in branch and maintained relationships to bring in more accounts and revenue
- Updated and verified Current Accounts to reduce fraud and ensure 100% accuracy of information.
- Updated KYC and credit limit changes.
- Conducted cross selling of products such as Mutual Fund, Recurring deposits,Fixed deposits, Auto and Personal Loans.
- Processed transactions for customers including cash deposits, payments and loan repayments.
- Disbursed gold loan and adjusted interest based on the agricultural land holdings. Achieved targets on CASA, Life Insurance, General Insurance and Gold loan.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
Junior Associate
Fragomen Immigration Services, India
Kerala, India
12.2014 - 04.2015
- Provided outstanding immigration services to new and long-standing customers by attending closely to concerns and developing solutions.
- Provided legalization, attestation and apostille of immigration documents of the clients.
- Coordinated with third party vendors on attestation of documents from the embassies.
Education
MBA - Marketing And Operations
Rajagiri School of Management
Kerala, India11.2013
Bachelor of Arts - English Literature
Loyola College
Chennai, India07.2011
Skills
- Flexible & Adaptable
- Customer Service
- Self-Motivated
- Microsoft Office
- Active Listening
- Responsible
- Team Player
- Conflict Resolution
Timeline
Creditor Insurance Specialist
CIBC
09.2021 - Current
Mortgage Processing Officer
CIBC
07.2019 - 08.2021
Associate(Customer Sales & Support)
State Bank Of India
05.2015 - 04.2019
Junior Associate
Fragomen Immigration Services, India
12.2014 - 04.2015
MBA - Marketing And Operations
Rajagiri School of Management
Bachelor of Arts - English Literature
Loyola College
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