Megha Sharma Email & Phone Number

Auckland, New Zealand

-Understanding the five “C’s of credit-Screening and assessing new mortgage applications for loan eligibility-Ensuring that personal information such as income and expenditure are received and captured-Identifying potential risks that can lead to a default on the mortgage loan-Preparing contracts for mortgage loans and ensuring they are signed correctly-Preparing loan closing documents once a mortgage has been repaid-Ensuring compliance with mortgage loan regulations and privacy laws-Verifies the information provided on applications to obtain more information if missing data or mistakes are presen4-Communicates with customers to help them choose the best mortgage loan they can affor6Collects data from customers, such as their assets, salaries, debts and employment status-Reviews file documentation for missing or erroneous information-Verifies information about applicant history with credit bureaus and other agencies so the lender can approve or deny the loan-Remains aware of loan application deadlines and informs customers .-Responsibly meeting CCFA guidelines/-Greeting customers, identifying their needs and answering customer inquiries-Ensuring customers' forms are filled in correctly and checking customers' identification-Explaining and promoting bank services to customers and referring them to appropriate financial services

India

• Setting up meetings with new clients• Researching the latest products and regulations• Seeking out new sales opportunities• Monitoring business, compliance and operations• Making decisions that are cost effective and generate revenue• Monitor the branch sales targets and strategize to acquire new accounts and expand existing accounts by offering various financial products and services to the customer.• Managing the number of customers in the portfolio• Providing quality banking services to customers• Maximizing the CTG/IPH of classic portfolio management • Ensuring growth of portfolio • Ensuring that optimal levels of income are achieved • Enhance values within each customer group• Online updating of CRM at every stage of customer contact • Educating customers of various bank payment options• Meeting KPI’s and upselling

India

• Providing quality banking services to customers• Maximizing the CTG/IPH of classic portfolio management • Ensuring growth of portfolio • Managing number of customers in the portfolio.• Ensuring that optimal levels of income are achieved • Ensuring personal visit and contact benchmark • Online updating of CRM at every stage of customer contact • Educating customers of various bank payment options• Meeting KPI’s and upselling• Ch126 and ch106 calling on daily basis• Recording complaints as per specified process• Ensuring appropriate customer communication on closures • Management of lockers• Follow up with portfolio customers for compliance of regulatory requirements

India

• Monitoring business, compliance and operations• Making decisions that are cost effective and generate revenue• First point contact with customer in branch• Opening both current and saving account• Customer acquisition through sales to walk in customers• Deliverables custodian, handling balance enquiries of walk in customers, collection of foreign currencies, cheques• Report generation and filling • Entering all the deliverables including cheque books, welcome kits, debit cards of customers into a system called Deliverable Management System

• Maintaining & balancing cash drawers and reconciling discrepancies• Handing currency transactions • Using Flexcube software to track bank information and generate reports• Recoding all large transaction in a report • Assisting customers with transactions including deposits withdrawals payments• Account discrepancies and answering questions

Masters In Business And Finance, Business And Personal/Financial Services Marketing Operations

Activities and Societies: Vice president of Lincoln University Investment Club Class representative in University and has been certified.

Masters In Commerce Honors, Honors In Commerce, 1St

Activities and Societies: Class Representative of around 40 students. Team Member of Cultural group of university. Completed a research.

Bachelors In Commerce, Business/Commerce, General, 1St

Activities and Societies: Class Representative of a class of around 70 students. Participated in the debates and declamations.