Hardik Pitroda Email & Phone Number

Mississauga, On, Ca

Toronto, Ontario, Canada

Mississauga, Ontario, Canada

• Handled assigned accounts successfully to achieve growth and revenue targets with constant engagement through exceptional service and providing solutions to the client’s financial needs.• Experienced in risk evaluation, financial statement analysis and preparation of loan proposals.• Strong work ethics built from exceeding all compliance categories and daily self-development.• Demonstrated ability to drive business growth in a dynamic sales environment with 60% in borrowing on a target of 40% annually.• Thorough knowledge of Credit risk/adjudication policies and processes, Retail Lending policies and processes.• Diligent and detail-oriented -- thorough in gathering borrower information, verifying documents and reviewing file documentation to guide each mortgage application from preapproval to closing.• Assigning, in conjunction with the Branch Manager, Assistant Manager position authorities for team members; arranging cover for authorizations during necessary absences.• As officer in charge – review credit file for branch advisor for ACE approval.• Provide quality decisions on loan applications.• Ensuring consistent application of policies and processes to loan decisions, including adherence to regulatory requirements.• Providing sound advice and potential alternatives to deal structure, within risk parameters.• Ensuring accurate and complete documentation of the rationale for credit decisions.• Making loan decisions according to approved lending limits.• Providing value added services by cross-selling suitable solutions and products.• Results focused by constantly learning from customer feedback to further improve client experience and satisfaction.

Regina, Saskatchewa

• Managed Retail Sales and Customer Service teams, executing business strategies, initiatives and team individual goals. • Ensured to compliance and internal policies and procedures.• Lead customer focused culture throughout the team to deepen client relationships.• Reviewing and providing oversight of Real Estate Secured Lending (RESL) Credit Files prior to submission to Pre-Fund Review team.• Effectively analyzing loan application information and associated documents• Managed Bank’s risk appetite and risk culture in day-to-day activities and decisions.• In absense of Branch Manager: Act as a Branch Manager and follow all duties and responsiblities of a Branch Manager to effectively run the day to day operation of the branch sucessfully.

Regina, Saskacthewa

• Primarily focus on retaining relationships and growing business by analyzing their needs using a financial planning approach focused on building and maintaining long term relationships and recommending the appropriate strategies and solutions to help them achieve their goals.• Contribute to the overall business objectives of the branch team by presenting existing and prospective customers with financial plans and acquiring off us Investments.• Planning and executing marketing plan with proactive customer relationship management activities including customer contact and completing financial reviews, targeting 100% quality contact of assigned households each year and also diarizing the next contact to proactively retain and grow the business.• Identifying referral opportunities for referring the customer to the appropriate Small Business Advisor and Wealth Management partners.• As a member of my branch sales team I am responsible for contributing to my Branch's overall success by meeting negotiated goals through effective managmenet of my assigned portfolio of customer. • Thorough knowledge of Credit risk/adjudication policies and processes, Retail Lending policies and processes.• Thorough knowledge of Investments, Estate Planning and Creditor Insurance.• Thorough knowledge of Regulatory compliance in relation to the sale of our products, storage of information and ongoing monitoring of customer relationship; specifically in relation to Know Your Customer requirements; Privacy, Anti-Money Laundering/Anti-Terrorist Financing, FCAC, CDIC and Occupational Health & Safety.

Regina, Saskatchewan

• As a member of my branch sales team I am responsible for contributing to my Branch's overall success by meeting negotiated goals through effective managmenet of my assigned portfolio of customer. Leading with financial planning approach and identify opportunities and recommend strategies that best meet the cutomers immediate and future financial needs.• Focusing primarily on the targeted customer segment while supporting all other segments as required and many more.• Adhering to compliance policies, procedures and processes and maintaining a professional image that is a positive in front of customers.• Expert knowledge in Products, services, features and benefits and related policies and procedures of: Payments (Day to Day & Credit Cards), Borrowing, Investments and Insurance.• Thorough knowledge of Credit risk/adjudication policies and processes, Retail Lending policies and processes.

Saskatchewan, Canada

• Primarily focus on unassigned customers, establising and servicing relationships by understanding customer financial goals, analyzing their needs & help them achieve their gioals.• Contribute to our defined customer experience model & providing an excellent customer experience by adhering to compliance policies, procedures & processes.• Contribute to the overall business ogjectives of the branch team by growing loyal customer relationships, asking for referrals to grow the business.• Expert knowledge Day to Day,Credit cards, Online banking, Mobile application.

Diploma In Financial Planning, Banking, Corporate, Finance, And Securities Law

Bachelor Of Banking & Insurance, Banking, Corporate, Finance, And Securities Law, Grade "A"

The BBI course provides comprehensive training in the field of Banking , Insurance and other related financial services by way.

Post Graduation In International Business Management, Banking, Corporate, Finance, And Securities Law

The International Business Management Graduate Certificate program at Centennial helped me prepare for the global realities of today's.

Mortgage Agent Course, Banking And Financial Support Services