Soniya Luke
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Banking Advisor
Royal Bank Of Canada
06.2022 - 01.2023
- Offer professional advice and education on basic banking needs, complex credit and investment matters for personal clients.
- Collaborated with experts in financial planning, retirement planning, mortgages, and business banking to deliver tailored advice.
- Educated clients on the benefits and features of RBC products and assist with digital banking solutions including mobile, ATM, and online services.
- Strengthened customer relationships through timely follow-ups and proactive communication.
- Assisted in the management of risk by adhering to compliance policies and procedures when interacting with clients.
- Provided guidance on investment options, helping clients make informed decisions to achieve their financial goals.
- Managed time effectively to handle multiple tasks concurrently while maintaining attention to detail under pressure situations.
Customer Experience Associate
Toronto Dominion Bank
01.2022 - 06.2022
- Processed customer transactions promptly during peak business hours minimizing wait times in one of the most busiest TD Bank branch.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Executed wire transfers, stop payments and account transfers.
- Trained new hires on customer service policies and procedures.
Credit Manager
Dewan Housing Finance Corporation Ltd
05.2017 - 03.2018
- Evaluating and decision loan applications by analyzing the credit bureau report, income documents, investigation, and personal interview with clients. Handled midlevel ticket size of $80K - $200K for 5 branches in India.
- Acknowledged for detecting 3 fraudulent cases while processing large volumes of files. Saved $400K.
- Conflict Resolution regarding the loan documentation, payment related queries and service escalations.
- Assist in recruiting the staff members for the team and provide product training to new employees.
- Provide ongoing support and guidance to Sales, Legal, Collateral Assessment & Investigation Team.
Assistant Manager
Citibank N.A
06.2015 - 11.2016
- Reported directly to National Head/ Managing Director of Credit Operations. Assisted in tracking new initiatives in the pipeline among various departments under Credit Operations.
- Took part in annual budgeting, monthly and quarterly expense management.
- Assisted in preparing various reports and presentation for Senior Management.
- Establish procedures for custody of records, loan collateral documents to ensure safekeeping.
- Releasing the loan amount to the clients / builders upon adherence to terms and conditions.
Senior Executive
Citibank, NA
01.2013 - 06.2015
- Interview loan applicants as a process of loan application and analyze applicant's payslip, bank statements and credit history to check for his credit worthiness for the loan.
- Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
- Handle client escalations on mail and telephone regarding payment schedule, bounced cheque or disbursements.
Education
MBA - Finance And Marketing
Amity University
India08.2013
Bachelor of Engineering - Electrical And Electronics Engineering
Anna University
India08.2010
Skills
- Investment strategies
- Technical aptitude
- Business Prospecting
- Portfolio Management
- Loan Processing
- Financial Planning
- Credit risk evaluation
- Client Relations
- Pipeline Management
- Mutual funds
- Investment planning
- Loans
- Cash Handling
Languages
English
Full Professional
Hindi
Native or Bilingual
Tamil
Limited Working
Certification
- Investment Funds in Canada (CSI) Licensed by Royal Mutual Funds - Jan 23
Timeline
Banking Advisor
Royal Bank Of Canada
06.2022 - 01.2023
Customer Experience Associate
Toronto Dominion Bank
01.2022 - 06.2022
Credit Manager
Dewan Housing Finance Corporation Ltd
05.2017 - 03.2018
Assistant Manager
Citibank N.A
06.2015 - 11.2016
Senior Executive
Citibank, NA
01.2013 - 06.2015
MBA - Finance And Marketing
Amity University
Bachelor of Engineering - Electrical And Electronics Engineering
Anna University
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