My teaching way include judging the level of the student first, making his base in mathematics and improving gradually his understanding so as he should not be fearful of Mathematics.
Mathematics is based on simple calculations, which if acknowledged give easy good results.
I am a Banker by profession having great experience in accounts , credit and advances. Ratio and percentage calculations are part of our daily job. I have done E-Commerce from United Kingdom
& I am postgraduate in public administration & pursuing IFIC.
Financial Customer Service provider locally experienced in providing proactive banking solutions coupled with 6 years of international experience in credit appraisals, disbursements and administration of credits and advances including mortgages, hypothecation and loan recovery
Established and maintained effective relationships with diverse clientele by resolving client issues related to service delivery, wait times and incorrect transaction entries
Ensured client confidentiality by keeping meetings business-oriented and respecting privacy of others; explained financial products and services in a complete but concise manner; followed up with customers on a regular basis to offer additional services or support.
Proficient in English, Punjabi and Hindi.
Customer Service Representative 2017- 2018
Scotia Bank Winnipeg, Manitoba
Greeting customers in person and over the telephone in positive and professional manner; asking questions to confirm identity and banking needs.
Responding to customers’ requests for information and services including daily banking needs and purchase of financial products.
Performing sales for banking products; delivering sales pitches and providing benefits of purchase along with promotions and offers.
Operating banking software to conduct personal and business transactions including deposits, withdrawal, transfers and bill payments providing after and before receipts to clients.
Processing book-keeping entries along with incoming and outgoing wire transfers; handling petty cash of $25000 daily in CAD, USD ,EURO and Mexican Peso currencies with due diligence.
Branch Administrative Manager – Banking, Credit and Investment 2014 - 2016
State Bank of India Pathankot, India
Evaluated, recommended, and processed various personal loans including housing, vehicle, demand, overdraft, bank guarantees along with agricultural and SME advances up to INR 18 Crores (CAN$3.6 million).
Interviewed prospective customers, evaluated income and calculated viability ratios to process loans; extracted credit reports and Credit scores of prospective borrowers using EQUIFAX, EXPERIAN, HALLMARK, and CIBIL.
Monitored collections from accounts by observing daily performance reports to prevent new loan accounts slipping into Non Performing Asset (NPA); negotiated and approved restructuring and payment arrangements for existing NPAs and loan accounts.
Arranged cash deposits from local branch to currency cell when cash in hand exceeded INR 10 Lakhs (CAN$ 20,000) ,
Prioritized and completed tasks to accomplish annual targets; surpasses deposits target of 120 Crores (CAN$24.5 million) as well as advances target of INR18 Crores (CAN$3.6 million).
Field Officer/Credit Manager 2014 - 2015
State Bank of Patiala Jalandhar, India
Investigated prospective borrowers; screened income and gathered information about intended use of funds to ensure compliance with lending requirements.
Conducted field visits and made property appraisals using acquired legal security check documents and architect’s reviews to draft mortgage deeds.
Evaluated business plans and small business proposals measuring market viability, profitability, cash generation capability and other parameters before sanctioning project loans.
Accounts Manager 2011 - 2013
State Bank of Patiala Jalandhar, India
Extracted daily/monthly statistical reports based on accounting data and retrieved records to provide management with client volume and feedback.
Performed vault operations, foreign currency exchange, ATM banking, Internet Banking, Mobile Banking and alternate delivery channels.
Executed Electronic Credit System (ECS), National Electronic Fund Transfers (NEFT) and Real Time Gross Settlement (RTGS) to provide credits to customers and other institutions in timely manner.
Responded to phone calls to address customer concerns and requests for information resulting in customer satisfaction and repeat business.
Received and processed bills including Usance Bills, Sight Bills, Inland Bills and Foreign Bills.
Education and Credentials
Investment Funds in Canada (IFC) Currently pursuing
Canadian Securities Institute Canada
Associate of Indian Institute of Bankers 2000
Cuffe Parade Mumbai, India
Master of Arts in Public Administration 1998
Himachal Pradesh University Shimla, India
Computer Training Program for Bankers 1996
Computer Maintenance Corporation Limited Hyderabad, India
Qualified as Million Dollar Round Table (MDRT),SBI Life Insurance Co Ltd 2015
Upgraded branch’s audit rating from ‘Adequately controlled’ to ‘Well controlled’ 2015
Surpassed Deposit Budget 2014 - 15
Awarded Best Banking Service by President, Council of the Region 2014
Recognized for organizing maximum number of Farmers' allied activity loans 2014
Recognized for sourcing maximum number of GMADA housing loan applications 2010
Training and Certification
Training in Legal Aspects of Loan Documentation 2015
Staff Training Centre | State Bank of India Gurgaon, India
Certified Insurance Facilitator 2013
State Bank of India Life Insurance Company Limited India
Elementary Certificate Course in French Language 2006
Alliance Francaise New Delhi, India
Certified Course in B2B E-Commerce 2003
London School of E-Commerce London, UK
|at their home||at your home||By webcam|
|1 hour||$23||$25||Not available|
|5 hours||$100||$110||Not available|
|10 hours||$180||$200||Not available|