Vishnu Vijay
Etobicoke
Summary
Highly skilled underwriter adept in analyzing financial profiles and determining compliance and risk levels; expert at determining underwriting standards and policies. Recognized for delivering accurate underwriting decisions that support profitability objectives while delivering standout client service.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Insurance Advisor
Sonnet Insurance
11.2022 - Current
- Conducted thorough underwriting evaluations, analyzing financial and risk information to determine policy acceptance and adjustments
- Reviewed client applications for compliance with underwriting criteria and profitability objectives
- Served as an advisor to clients to navigate insurance policies and risk profiles
- Kept up-to-date with underwriting standards changes and best practices to improve underwriting decisions
- Worked with cross-functional teams including actuaries to improve underwriting guidelines
Insurance Advisor
RBC
09.2020 - 11.2022
- Performed comprehensive underwriting assessments to customize insurance products as per particular client requirements
- Assessed client risk profiles and implemented underwriting guidelines to deliver proper premium assessments
- Reviewed applications thoroughly to ensure full compliance with all regulatory and internal underwriting guidelines
- Provided top-notch service by answering clients' inquiries and ensuring that the solutions proposed aligned with their financial objectives
- Assisted the business development through risk assessment and compliance monitoring
Customer Service Representative
Scotiabank
01.2020 - 09.2020
- Reviewed and verified clients' financial data, assisting with loan and mortgage underwriting
- Performed daily financial transactions with accuracy, maintaining zero variances in cash and vault operations
- Ensured compliance standards were followed for efficient loan payment processing
Supervisor
Tim Hortons
03.2017 - 09.2020
- Managed operations and prepared financial reports in accordance with organizational processes
- Oversaw service and operational metrics to meet performance goals
- Assisted with cash management processes, guaranteeing accurate reconciliation and reporting
Education
Post-Graduate Certificate - Global Business Management
Humber Institute of Technology and Advanced Learning
01.2018
Bachelor of Commerce (Hons) -
Chandigarh University
01.2016
Skills
- Underwriting Expertise
- Risk Assessment
- Financial Document Analysis
- Compliance and Regulatory Documentation
- Strategic Decision-Making
- Client Relations Management
- Attention to Detail
- Collaboration and Coordination with the Team
Certification
- Chartered Insurance Professional (CIP), Insurance Institute of Canada, 2023
- C70 Gateway to Commercial Insurance
- C120 Underwriting Essentials
- Ontario Insurance Agent License (OTL), Insurance Institute of Canada, 2020
Additional Information
Deep experience in aligning underwriting strategies with business risk appetites.
Familiar with compliance regulations and their applications in underwriting processes.
Passionate about learning and upskilling in financial underwriting domains.
Languages
English
Full Professional
Hindi
Full Professional
Malayalam
Full Professional
Punjabi
Full Professional
Timeline
Insurance Advisor
Sonnet Insurance
11.2022 - Current
Insurance Advisor
RBC
09.2020 - 11.2022
Customer Service Representative
Scotiabank
01.2020 - 09.2020
Supervisor
Tim Hortons
03.2017 - 09.2020
Bachelor of Commerce (Hons) -
Chandigarh University
Post-Graduate Certificate - Global Business Management
Humber Institute of Technology and Advanced Learning
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