Ekta Sihag
Flatbush,AUK
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
12
12
years of professional experience
Work History
Seniros Personal Banker
ANZ
Mount Wellington, 1060
04.2023 - Current
- Processed loan applications from submission through closing, including ordering appraisals, title searches and other documentation as needed.
- Provided comprehensive financial solutions to customers, including mortgages, loans, Credit Card and insurance.
- Coordinated activities between various departments throughout the life cycle of a loan transaction.
- Conducted in-depth financial analysis of potential borrowers' creditworthiness.
- Assessed borrower needs and recommended appropriate products and services accordingly.
- Provided guidance to customers on the selection of the most suitable loan product for their needs.
- Reviewed mortgage applications for accuracy, completeness and compliance with bank policies and regulations.
- Maintained current knowledge of banking regulations, industry standards and best practices.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Educated customers on various aspects of mortgage financing options available.
- Gathered client debt, credit and income information to determine loan eligibility.
- Developed relationships with customers by providing exceptional customer service and responding promptly to inquiries.
- Educated customers on available banking products such as credit cards, debit cards and online banking services.
- Resolved customer complaints quickly and efficiently while maintaining a professional demeanor at all times.
Credit Assessment Specialist
Fleetcore Australasia
Ellersalie, Auckland
02.2023 - 04.2023
- Reviewed and evaluated customer credit applications to determine credit worthiness.
- Ensured compliance with applicable laws, regulations and policies concerning lending activities.
- Conducted background checks, including reviewing public records, to verify information provided by the applicant.
- Collaborated with internal departments such as sales, legal and operations in order to ensure a smooth transition from application review to approval.
Credit Writer
Vega Mortgages Limited
05.2021 - 08.2022
- Maintaining & managing relationship with different stake holders
- Credit proposal & Sanction analysis to determine the documentation requirements as well as workflows management of all credit applications
- Achieving exceptional customer service when consulting for incoming mortgage loan application from advisors including evaluation of business financial, pay slips, bank statements and many other documents, Assessing the max lending with various lenders UMI calculator & submitting best possible proposal to lenders on behalf of mortgage advisors
- Successfully working on 3 (or more) applications in hand on daily bases
- Maintaining health of client's portfolio and working in accordance of their needs including refinance, pre-approval, top-Up, Roll overs, maintain pipeline
- Keep up to date with different lenders policies time to time & Ensuring compliance requirements are met in all applications (AML/CCCFA etc.)
- Supporting broker team with complex queries via email, phone call etc
- Answering Lenders & customer queries with exceptional customer service
- Updating systems and client records as required; CRM NZFSG & Maintain customer care programme
- Working well within team or independently as and when required with Multi-tasking, Prioritize & time management for various tasks & Pipelines to meet deadlines.
Admin staff cum Office clerk
Mortgage Firm – Gupta Loans & Insurance Limited
01.2020 - 05.2021
- Corresponding between Mortgage Adviser and clients to ensure smooth customer outcomes
- Preparing Home Loan application, working on minimum 4-5 applications on daily bases
- Sourcing and consolidating documents as well as data inputting and system management CRM
- Assisting with client queries and ad-hoc tasks
- Handle and action enquiries and requests over telephone and email
- Ensuring client's file are managed accurately and updated information is maintained in all systems including CRM NZFSG
- Tele sells as and when required
- Processing insurance documentation
- General admin tasks of documentation, processing and maintaining data and files
- Checking required documents, assessing financials, evaluating income with YTD etc., checking statements for income and withdrawals, entry into CRM, preparing file as per process to send to suitable banks, checking LVR, Assistant Mortgage broker, consulting with third parties to aid loan.
Store Assistant
Tank Juice
09.2018 - 07.2021
- Making company products like Juice, Salads etc
- While Maintaining Company standard of customer services.
Team Member
KFC
05.2016 - 03.2018
- Performed opening and closing duties such as setting up displays, restocking items, and cleaning the sales floor.
- Operated cash registers to process payments from customers.
- Organized inventory shelves for easy access and maintenance of stock levels.
- Assisted customers with product selection and ordering process.
- Resolved customer issues promptly in a professional manner.
Assistant Manager
Kotak Mahindra Bank Ltd
07.2014 - 11.2016
- Started as Teller, provided excellent customer service, performed correct balancing record
- Assist BOM daily on balancing main bank vault and ATM balancing in fast paced & 100% accuracy
- Delivering friendly and professional customer service and knowledge to customer during opening accounts and cross selling banking products
- Process transaction for customers: deposits, Loan repayments, Withdrawals, Issue money orders, cashier checks
- Help and Train new tellers on bank procedures and processing transactions.
Relationship Officer
HDFC Sales Pvt Ltd
07.2012 - 01.2014
- Selling Insurance (Life Insurance, General Insurance)
- Generating leads
- Home Loan application processing
- Upselling company's products (Home loan and home loan insurance) Internship.
Education
Financial Advisor Level 5 course -
Strategi Institute - Auckland
05.2024
MBA - HR & Marketing
Amity Business School Affiliated To MDU - India
Bachelor of Computer Application -
KUK - Kurukshetra India
Graduate Diploma - Applied Management
Otago Polytechnic - Auckland
Diploma - ICT
Tasman International academy - Auckland
Skills
- Credit application assessments
- Financial transactions expertise
- Financial analysis aptitude
- Relationship building and management
- Retail Banking
- Credit
- Financial services/Mortgage
- Database Management
- Cash Handling
- MS Office
- Financial product expertise
- Loan Processing
- Professional Appearance
- Positive Attitude
- Customer financing
- Cash vault audit
- Critical Thinking & Goal Oriented
- Attention to Detail
- Organization and Time Management
- Self-Motivated
- Banking Policies and Procedures
- Banking
- Loan application expertise
- Financial Advising
- Financial Services
Personal Information
Thank you for reading my Resume. I am looking for remote work due to personal circumstances which led to relocate to India for couple of years.
References
References available upon request.
Timeline
Seniros Personal Banker
ANZ
04.2023 - Current
Credit Assessment Specialist
Fleetcore Australasia
02.2023 - 04.2023
Credit Writer
Vega Mortgages Limited
05.2021 - 08.2022
Admin staff cum Office clerk
Mortgage Firm – Gupta Loans & Insurance Limited
01.2020 - 05.2021
Store Assistant
Tank Juice
09.2018 - 07.2021
Team Member
KFC
05.2016 - 03.2018
Assistant Manager
Kotak Mahindra Bank Ltd
07.2014 - 11.2016
Relationship Officer
HDFC Sales Pvt Ltd
07.2012 - 01.2014
Financial Advisor Level 5 course -
Strategi Institute - Auckland
MBA - HR & Marketing
Amity Business School Affiliated To MDU - India
Bachelor of Computer Application -
KUK - Kurukshetra India
Graduate Diploma - Applied Management
Otago Polytechnic - Auckland
Diploma - ICT
Tasman International academy - Auckland
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