Akshita Garg Email & Phone Number

Calgary, Ab, Ca

Calgary, Alberta, Canada

Calgary, Alberta, Canada

•Manage end to end process for prospective borrowers and help them complete loan applications until loan funding•Understand loan underwriting strategy & perform underwriting for manual reviews whenever required •Identify process improvements in loan application process and anomalies in decision/pricing algorithm•Work with loan operations teammates to establish processes for identity/document verification for smoother loan disbursal

Calgary, Canada Area

• Process financial transactions like deposits, withdrawals and bill payments as per standardized operating procedures.• Respond and resolve customers' concerns as per bank’s processes and policy.• Achieve assigned goals and business objectives by promoting banking solutions and completing business processes in a timely and accurate manner.• Connect with customers, understand their needs and advise them appropriately on bank’s products and processes.

New Delhi Area, India

• Responsible for underwriting of residential home mortgage applications, loan against property, and commercial property purchase proposals in accordance with the laid down credit policy. .• Performed financial statement analysis, ratio analysis and identified associated credit risks. • Met customers to understand customer's business, business cycle and operations.• Liaised with sales, operations, customers, external vendors and provided appropriate resolution to internal and external customer inquiries.• Visited channel partner and branches and conducted product knowledge training to increase business.

• Performed underwriting of Home mortgage loans and Personal loan applications in accordance with the laid down credit policy of the organization.• Coordinated with Multiple departments to find internal and external customers query.• Implemented the credit process in the credit hub and improved the process to minimize operational risk.

• Responsibilities included decision of Personal loan applications as per the policy of the bank.• Liaised with clients, Sales, Risk, & Audit teams for day-to-day activities.• Gave product trainings to channel partners/brokers and branches.• Regularly visited verification vendors in order to improve turnaround time and quality.

• Responsibilities included increasing of revenue for the branch by selling retail loans and liability products including insurance, mutual funds, SIP, account opening, loans, Fixed Deposits.• Performed day-to-day Retail Branch operations and serviced specific assigned group of clients.• Handled walk-in customer’s complaints and requests. Performed duties of verifier.• Performed gold loan processing from the branch. Also organized a Car loan festival for increasing business and leads generation• Cleared AMFI certificate required to sell Mutual funds as per Indian Banking Guidelines

Master Of Business Administration (Mba), Finance And Banking

Bcom, Hons