Utkarsh Pokhariyal
Calgary,AB
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
5
5
years of professional experience
1
1
Certification
5
5
years of post-secondary education
Work History
Lending Specialist
Gilrose Finance
North Shore, Auckland
07.2022 - 12.2022
- Fast paced lending decisions for retail stores across New Zealand
- Followed AML procedures to ensure genuine applicants
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Ensuring loans are processed as per established company procedures and policies
- Evaluated credit worthiness based on holistic approach to customers goals
- Ensuring loans are processed as per established company procedures and guidelines.
- Managed over 50 customer calls per and helped onboard new retailers to company platform.
Senior Financial Advisor
Scotiabank
Lethbridge, AB
06.2019 - 05.2022
- Handling book of over 400 clients (over $50 Million under management) to ensure their banking needs are met
- Proactive approach to client engagement and discovering future and current needs
- Creating financial plans for retirement and major purchase goals
- Implementing effective Borrowing/Investing strategies to achieve client's long-term goals
- Establishing strong relationships with high net-worth clients by providing best solutions
- Developing, retaining, and growing branch business by delivering against individual and team sales goals that support positive customer experience
- Consistently overachieved fiscal targets.
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
Financial Advisor
Scotiabank
Calgary, AB
02.2019 - 06.2019
- Interview clients to determine their current income, expenses, insurance coverage, financial objectives, risk tolerance, and any other information to develop well rounded financial plan
- Recommend strategies in cash management, investment planning, and or areas to help them achieve their financial goals
- Answer client's questions about purposes and details of financial plans and strategies
- Maintain client basis
- Analyze client's accounts and financial plans regularly to determine whether life changes, economic changes, or financial performance indicate need for plan reassessment.
- Developed comprehensive retirement planning strategies to help clients maximize retirement savings.
Customer Service Representative
Scotiabank
Lethbridge, AB
05.2017 - 01.2019
- Followed bank policies, procedures and guidelines to process transactions accurately and efficiently
- Demonstrated outstanding customer service, resolved customer concerns and helped build customer loyalty
- Achieved annual goals by identifying customer needs and referring to financial products and services
- Assisted manager with administrative jobs
- Mentored and coached new bank CSRs.
Finance Intern
Supp.li
Budapest, Hungary
07.2018 - 08.2018
- Product and Producer Acquisition: Extensive detailed research through
- Spain and UK to find unique producers to bring on to the Platform
- 2 Pagers: Helped assemble financially viable numbers to be presented to possible investors in Chengdu, China
- Market share calculations: created market share projections to create a 5-10 year plan for the company to expand throughout Chinese Market.
- Analyzed financial data and presented meaningful insights to senior management.
Education
M.Fin - Risk Analytics
Massey University
Auckland, New Zealand 07.2022 - Current
B.Mgmt - Finance, Social Responsibility / Supply Chain Management
University of Lethbridge
Lethbridge, AB 09.2014 - 12.2018
Skills
- Judgmental Lending
- Lending Regulations
- Microsoft Office
- Financial Data Analyzation
- Reviewing Financial Statements
- Reviewing Credit Information
- Analytical and Critical Thinking
- Financial Planning Expertise
- Financial Service Solutions
Certification
Certificates RFRA: Registered Financial and Retirement Advisor (Dec 2020)
CIFC – Canadian Investment Funds Course (Nov 2018) PDP Advance excel workshop (ULeth)– Certificate of Achievement (2017)
Projects
5th on 5th Youth Services— Financial Literacy (Canada)
● Organized a partnership with local Not-for-profit to enhance banking
knowledge for young adults in the community.
● Creating and leading financial literacy workshops for students of the
programs within the Not-for-Profit.
● Expanding the Bank's Social responsibility footprint within the
Community.
Timeline
M.Fin - Risk Analytics
Massey University
07.2022 - Current
Lending Specialist
Gilrose Finance
07.2022 - 12.2022
Senior Financial Advisor
Scotiabank
06.2019 - 05.2022
Financial Advisor
Scotiabank
02.2019 - 06.2019
Finance Intern
Supp.li
07.2018 - 08.2018
Customer Service Representative
Scotiabank
05.2017 - 01.2019
B.Mgmt - Finance, Social Responsibility / Supply Chain Management
University of Lethbridge
09.2014 - 12.2018
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