Sukhdeep (Saira) Kaur
Caledon,Canada
Summary
Experienced Financial Advisor with strong mortgage expertise and a passion for helping Canadians achieve homeownership through customized lending solutions. Results-oriented with a deep credit background and a proven track record in client retention, volume growth, and business development. Recognized with the OneRBC Award annually for exceptional client service and partner collaboration. Skilled in reviewing credit applications, interpreting score-based underwriting results, and preparing justifications for exceptions and manual approvals. Consistently average 3+ mortgage refinancing and HomeLine applications per week. Mentor to new advisors and a trusted point of contact for complex credit inquiries. Maintain a loyal, referral-driven client base anchored by trust, strategic guidance, and a holistic financial approach.
Unique Value Proposition: A strategic financial professional who goes beyond mortgage solutions, leveraging expertis in credit,investments, and wealth management to provide holistic financial guidance. A trusted advisor who anchors clients for long-term financial success, ensuring they are supported in every aspect of their financial journey.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Financial Advisor
RBC, Royal Bank of Canafa
Bolton, Canada
02.2024 - Current
- Provide comprehensive financial solutions, including credit analysis, investment guidance, and mortgage advisory
- Drive mortgage growth through refinancing, HomeLine applications, and loan structuring
- Foster strategic partnerships to enhance referrals and deepen client relationships.
- Mentor new employees on credit best practices, financial planning, and mortgage solutions
- Exceed weekly mortgage, investment, and referral targets.
- Maintain a client-based book of business and referral links.
- Built and maintain a client-based book of business and strong referral links contributing to sustained growth
- Negotiated favorable mortgage terms for clients, leading to a 15% increase in customer satisfaction.
- Surpassed sales targets by 20% through effective negotiation and relationship management strategies.
- Specialized in offering a diverse range of mortgage solutions, including fixed-rate, variable-rate, and hybrid mortgages, aligning product benefits with clients' financial objectives.
- Developed and maintained partnerships with real estate agents and brokers, resulting in a 25% increase in client referrals
Banking Advisor
RBC , Royal Bank ban of Canada
Vaughan, ON
09.2022 - 01.2024
• Advised clients on credit products, mortgage options, investments, and financial planning.
• Developed and maintained a high client retention rate through superior service.
• Acted as a liaison for credit inquiries and resolved them efficiently.
• Partnered with teams to deliver integrated financial planning and lending solutions.
Mortgage Associate (Volunteer)
Yogesh Bansal (Licensed Broker)
Ontario, Canada
12.2019 - 05.2022
- Structured mortgage solutions and guided clients through various financing options.
- Conducted credit assessments and delivered personalized financial consultations.
- Assisted with loan origination and refinancing processes to ensure approval success.
- Strengthened understanding of industry compliance and underwriting.
Education
. - Busines Administation
.
Toronto, ONSkills
- Mortgage Lending & Refinancing
- Credit Structuring (GDS/TDS)
- Client Relationship Management
- Referral & COI Development
- CRM & Filogix Proficiency
- Post-Close Engagement
- Financial Needs Assessment
- Holistic Banking Solutions
- Lead Generation & Prospecting
Certification
Financial Planning -1 (FP1) - Canadian Securities Institute
Investment Funds in Canada - Canadian Securities Institute
Mortgage Agent License (Surrendered- Golden Star Mortgages Inc.)
Anti- Money Laundering (AML) Training
Privacy and Risk Awareness Training
Lending Fundamental and Compliance Courses
Additional Information
Awards
OneRBC Award (2024, 2023) – Recognized for outstanding collaboration, client service, and teamwork.
Being Bold Award (2023) – Recognized for leadership, innovation, and proactive client solutions.
Quarterly Performance Awards – Consistently recognized for top performance and exceeding quarterly targets in mortgage and financial solutions
Community Involvement
Host first-time homebuyer workshops to educate clients on mortgage and financial solutions.
Engage in financial literacy programs to support community financial health.
Key Achievements
- 2024 Sales Performance: New acquisition: $12 million (branch level),Overall closed volume: $36 million
- 100% client retention rate, fostering long-term relationships and trust.
- Successfully increased loan volume and client portfolio growth.
- Averaged 5 referrals per week, with a closing rate of 3 per week.
- First point of contact for credit inquiries, ensuring seamless financial solutions.
- Mentored and trained new Banking Advisors (BA) and Financial Advisors (FA) in credit strategies.
- Winner of OneRBC Award for outstanding partnership and client service (2023, 2024).
Timeline
Financial Advisor
RBC, Royal Bank of Canafa
02.2024 - Current
Banking Advisor
RBC , Royal Bank ban of Canada
09.2022 - 01.2024
Mortgage Associate (Volunteer)
Yogesh Bansal (Licensed Broker)
12.2019 - 05.2022
. - Busines Administation
.
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