Managing director of Clear Financial Solutions, a Finance brokerage based in Kent. We are a one stop shop for clients requiring personal or business finance or protection.Working hand in hand with Aggarwal and Co Chartered Accountants to ensure clients receive tax advice on site and help them make the right decisions.All advice can be provided in Punjabi as well as English.

Self employed mortgage advisor covering a number of estate agents in the south east London and Kent area.• Providing mortgage advice from an unrestricted range of lenders• Advising on all types of first charge mortgages• Helping clients to arrange Second charge mortgages, bridging and commercial finance by introduction only• Advising clients on their protection requirements from a panel of providers

• Providing clients with personalised and clear advice based on their individual needs. • Covering different areas such as residential mortgages, remortgages, buy to let mortgages, commercial mortgages, life insurance, critical illness cover and income protection.• Management of mortgage application from start to completion to ensure customers journey is smooth and efficient.• Working in different branches within South east area, hand in hand with the estate agency team to help grow business.

Career progression from a cashier to personal banker to business manager.• Management of businesses below £500k per annum turnover, covering all aspects including new accounts, existing business, lending and referrals to business insurance departments• Offering suitable value-added advice to optimise the potential value of relationships • Establishing a network with key business introducers in local community and working in partnership with them• Participating in internal and external business events, road shows and seminars• Adhering to structures and procedures in place for the management of risk• Management of businesses below £500k per annum turnover, covering all aspects including new accounts, existing business, lending and referrals to business insurance departments• Offering suitable value-added advice to optimise the potential value of relationships • Establishing a network with key business introducers in local community and working in partnership with them• Participating in internal and external business events, road shows and seminars• Adhering to structures and procedures in place for the management of risk• Generating leads for senior management via opportunity spotting through asking the extra questions and finding the unexpressed customer need.• Helping to raise branch performance for many different products including mortgages, protection and personal lending by working together with management and branch team.• Facilitating quarterly campaigns that HSBC will have and helping to maximise performance • Taking on projects to teach colleagues about new HSBC propositions such as Buy to Let mortgages and provide ongoing coaching so to maximise performance/service• Secondary branch key holder alongside senior management

• Managing sales of products to local businesses and charities• Negotiating prices on purchases and Sales • Managing marketing of products and company via designers and printers• Assisting in management of company budgets for products.

• Providing full administrating support to the Project Manager and senior management team • Management of web based information channels such as BIW and Dome • Management of key databases such as Financial, Health and Safety, Completion Progress• Providing Environmental Reports for Co2 Emissions, Water Usage and Electricity• Setting Key Performance Indicators for Environmental reports so buildings would meet BREEAM Standard. This was for the at that time the two biggest contracts in the UK – The Shard London Bridge and The Pinnacle Tower Bishopsgate.