Erum Bano

Maintain a professional image within the community and provide residential mortgage products and services to current and potential members Recognize and act upon business development and retention opportunities Participate in the development and support achievement of sales targets and marketing plans

MOBILE MORTGAGE SPECIALIST

(2024-12)

• Maintain a professional image within the community and provide residential mortgage products and services to current and potential members
• Recognize and act upon business development and retention opportunities
• Participate in the development and support achievement of sales targets and marketing plans
• Conduct credit investigations, security inspections, and searches as required. Ensure all loan activities comply with relevant legislation, regulations, policies, and procedures

CONSUMER ADVISOR - Innovation Federal Credit Union

(2024-04 - 2024-12)

• Proactively created opportunities to engage in member focused home financing conversations with the goal of bringing new Members to Innovation Federal Credit Union
• Provided sound credit recommendations and solutions catered to individual needs of new and existing Members
• Completed and process all work within guidelines and in accordance with compliance, audit, policies, and procedures

MORTGAGE BROKER ASSISTANT - Kapital Care Mortgage Inc

(2017-01 - 2024-04)

• Fulfilled and reviewed mortgage documentation and act as a liaison between broker and underwriter
• Communicated with referral partners, mortgage brokers and clients on status and recommendation of the application throughout the process
• Strong understanding of residential mortgage review, regulatory legislation (B20, AML and KYC) and the proven ability to make sound underwriting decisions

ASSISTANT BRANCH MANAGER - Meridian Credit Union

(2015-01 - 2016-12)

• Stayed informed of latest industry knowledge including: B20, AML (Anti-Money Laundering) and KYC (Know Your Customer) legislation
• Proven ability to make sound underwriting decisions
• Inspired, orchestrated and pioneered superior retailing excellence to deliver a memorable member experience

MANAGER PERSONAL BANKING - Scotiabank

(2013-01 - 2014-12)

• Managed customer facing team effectively, including performance management, resource planning and coaching
• Maintained process control mechanism to ensure compliance with Scotiabank policies/procedures and regulatory requirements
• Reviewed all credit files pre-and post-funding for accuracy and completeness to ensure they meet the standardized audit process
• Implemented succession planning, team building and skill development increasing morale and recruitment resulting in an increase in productivity
• Authorized and underwrite mortgage applications for the branch and reporting staff

FINANCIAL ADVISOR - Scotiabank

(2010-01 - 2013-12)

• Enabled success for team by developing product knowledge, training and customer inquiries
• Provided customized solutions and professional advice by providing the bank offered products such as Mortgages, Loans, Bank Accounts and GICs, to fit client's financial goals
• Drive timely resolution of issues to the team to ensure customer satisfaction and loyalty thus improving for future potential business

PERSONAL BANKING OFFICER - Scotiabank

(2007-01 - 2010-12)

• Obtained and analyzed customer financial and credit data, ordered appraisals, researched and responded to client and head office inquiries relating to deals
• Contributed to the branch's overall success by meeting negotiated goals through identification and satisfaction of client needs using a financial planning approach
• Packaged documents and reviewed it to ensure accuracy and completeness

CLIENT SERVICE REPRESENTATIVE - Royal Bank of Canada

(2004-01 - 2007-12)

• Examined Chqs for endorsements and to verify other information
• Entered client's transaction into computer to record transaction and issue computer generated receipts
• Up-sold financial services by 20% within first six month of employment by demonstrating high quality client care and client referral protocol

GENERAL BUSINESS - Seneca College of Applied Arts and Business (1999-01 - 2003-12)