SOJU GEORGE
Peterborough,ON
Overview
19
19
years of professional experience
Work History
Financial Services Manager
BMO Bank of Montreal
02.2019 - Current
- ALD qualified - Ability to approve and decline lending applications, using established guidelines, matrices and presenting information for recommendations while managing and mitigating risk.
- Trained in MDIF and CFS mortgage/loan operating systems to renew, refinance and start applications for additional lending needs.
- Interview clients about their personal financial standing, ensuring sustainability of loan by meeting BMO lending guidelines by reviewing clients Credit, Collateral, Character and Conditions while managing and mitigating risk. Create a complete recommendation analysis on each application.
- Negotiate terms, rates and conditions by assessing and mitigating risk of applications and handling complex customer needs.
- Inbound and proactive outbound dialing to reach customers, discuss and complete mortgage renewals, refinancing, and new mortgage applications.
- Proactively identify risks in the application and conduct risk analysis to present recommendation to credit risk department for approval/restructuring deals.
- Follow processes to ensure accurate data handling and due diligence is conducted under the Personal Lending Processes.
- Probing to understand client needs, providing advice related to Personal banking strategies that meet client's objectives and manage all transactions.
Personal Banking Associate
BMO Bank of Montreal
02.2018 - 01.2019
- Investigate, analyze and resolve client issues in a timely, efficient and effective manner ensuring the highest level of client satisfaction.
- Lobby management and assisting clients with queries.
- Assisting peers with cash transactions.
- Inbound and outbound calls to assist clients and cross sell need based products.
- Branch
Personal Banking Associate
BMO Bank of Montreal
10.2014 - 01.2018
- Responsible for assisting customers with BMO MasterCard products and ensure customer satisfaction is the priority.
- Supporting the achievement of Customer Contact Centre business success by providing exceptional service and sales support to clients.
- Provide high level of customer service to maintain BMO client relationships within compliance parameters.
- Maintain high degree of accuracy and confidentiality with customer accounts.
- Responsible for cross selling and upgrading various banking products and services.
- Contact Centre
Tele Sales Representative
SP Data
05.2014 - 09.2014
- Outbound calls service for one of the largest Wireless companies in Canada - Bell Mobility.
- Communicate with customers via telephone and provide timely and accurate guidance.
- Perform credit checks to determine client eligibility.
- Adhere to corporate processes and controls.
- Probing and identifying opportunities for pre-paid to post-paid conversion.
- Meet and exceed the allocated sales targets by identifying opportunities for cross sells, up sells and value add opportunities.
Assistant Well Tester
ENSECO Energy Services
11.2013 - 03.2014
- Operate controls to subject test systems within safe parameters of the designed equipment.
- Monitor controls and instruments and record test data for engineer's use.
- Maintain close contact with the Supervisor regarding work assignments, promptly report all concerns regarding equipment to the Supervisor
- Report all incidents and accidents to the Supervisor
Customer Service Representative
Alpine Access, Canada
01.2013 - 11.2013
- Inbound calls service through work from home, for one of the largest Wireless companies in Canada - Rogers.
- Provide timely and accurate guidance to customers.
- Adhere to corporate processes and controls.
- Effectively answer incoming telephone calls from customers with billing inquires, transfer of telephone numbers, adding new lines, take payments etc.
- Meet and exceed the allocated sales targets by identifying opportunities for cross sells, up sells and value add opportunities.
Associate Underwriting Assistant
Allianz Cornhill Information Services
03.2007 - 10.2012
- Worked as Underwriting Assistant for Musical Insurance Inbound Sales and Service Team
- Enhancing the customer’s knowledge regarding various products the company offers and helping them to choose the appropriate insurance.
- Answer incoming telephone calls from customers, retailers and brokers to amend policies and effectively handled queries.
- Making outbound calls to customers for policy renewals.
- Accurate data entry of policy details and closing of premiums.
- Perform accurate processing of insurance paperwork
- Mentoring and training to new agents.
Education
Investment Funds in Canada course
01-2019
Master of Science - Biotechnology
University of Madras
05-2004
Bachelor of Science - Microbiology
University of Madras
05-2002
Skills
- As second in command to the branch manager, contribute to the success of the bank by providing service excellence
- Assist and support branch operations
- Anticipate and determine the needs of customers
- Identify and generate sales opportunities, cross sell need based products and services and participate in sales programs and initiatives to attain individual, branch and organizational goals
- Maintain branch treasury and cash levels
- Assist with creating and maintaining a supportive environment and address performance problems quickly and effectively
- Assist with setting specific goals for service results and coach colleagues to reach goals
- Effectively build and maintain teamwork and train new employees
- Proven rack record of outstanding sales results and high productivity
- Possess excellent customer service skills with ability to perform in dynamic environment
- Highly organized individual with the ability to multi-task effectively and efficiently
- Ability to solve complex issues while balancing risk and opportunities
- Proactive, agile, reliable and motivated team player with a high drive to succeed
Languages
English
Full Professional
Hindi
Full Professional
Tamil
Full Professional
Malayalam
Native or Bilingual
Timeline
Financial Services Manager
BMO Bank of Montreal
02.2019 - Current
Personal Banking Associate
BMO Bank of Montreal
02.2018 - 01.2019
Personal Banking Associate
BMO Bank of Montreal
10.2014 - 01.2018
Tele Sales Representative
SP Data
05.2014 - 09.2014
Assistant Well Tester
ENSECO Energy Services
11.2013 - 03.2014
Customer Service Representative
Alpine Access, Canada
01.2013 - 11.2013
Associate Underwriting Assistant
Allianz Cornhill Information Services
03.2007 - 10.2012
Master of Science - Biotechnology
University of Madras
Bachelor of Science - Microbiology
University of Madras
Investment Funds in Canada course
SELECTED ACHIVEMENTS
BMO Annual Best of Best 2015., Recipient of 5 quarterly top performer awards at BMO., Ranked No. 14 nationally for Personal Banking in FY15., Ranked No. 13 nationally for Personal Banking in FY22., Recipient of 15 quarterly achiever awards from FY2017 TO FY2023.