Sruthi Arey

Client-focused mortgage administration and financial services professional with 6+ years of experience collecting and reviewing mortgage documentation for accuracy and compliance. Proven track record meeting quota-driven origination, retention, and deal-submission targets while coordinating closely with lenders, appraisers, title insurers, and lawyers. Skilled at managing multiple files in a fast-paced, deadline-driven environment, with strong attention to detail, CRM proficiency, and a collaborative approach to supporting sales specialists and delivering a seamless client experience.

Home Advisor at Royal Bank of Canada (RBC) (2025-10 – Present)

• Provide professional credit advice guiding clients through the home buying journey, beginning with leads generated through online tools such as True Home Affordability.
• Advise and educate clients on home equity financing needs, including personal lending, credit card, and everyday banking solutions.
• Establish a regular contact strategy and diligently update CRM systems to maintain and strengthen client relationships throughout the mortgage process.
• Guide clients through the home buying journey - awareness, research, and validation of home equity financing options - to a confident decision to proceed with a mortgage application.
• Leverage video-enabled capabilities, screen share, and advisor/client dashboards to enhance the client experience and remote advisory relationship.
• Spot cross-sell opportunities and make warm introductions to RBC partners to fuel broader business growth.
• Stay current on relevant RBC policies and procedures, exercising due diligence throughout the client advisory and application process.

E-Mortgage Advisor at Canadian Imperial Bank of Commerce (CIBC) (2024-05 – 2025-10)

• Collect, review, and prepare required client documentation for mortgage applications with a focus on accuracy and completeness, accelerating files to decision status.
• Analyze clients' financial information and credit reports to assess eligibility for various mortgage products.
• Provide expert advice and personalized guidance to clients throughout the mortgage process, maintaining engagement to prevent attrition to competing lenders.
• Recommend suitable mortgage products based on clients' financial situations and needs.
• Ensure all mortgage transactions comply with relevant regulations and company policies.
• Act as a liaison with real estate agents, title companies, and lawyers to facilitate smooth, timely loan processing and closings.
• Actively prospect for new clients, maintain a network of referral sources, and consistently meet quota-based targets for loan volume and client base growth using CRM tools to track and report file status.

Mortgage Renewal Advisor at Canadian Imperial Bank of Commerce (CIBC) (2022-10 – 2024-04)

• Managed all aspects of residential mortgage retention, including renewals, refinances, ports, and assumptions, contributing to team retention targets.
• Conducted pre-qualifications and negotiated with borrowers to maximize revenue while meeting client needs.
• Maintained up-to-date knowledge of bank promotions, products, and technologies to enhance customer experience.
• Resolved customer objections effectively, delivering fair solutions that balance client satisfaction and business profitability.

Financial Services Representative at Canadian Imperial Bank of Commerce (CIBC) (2021-07 – 2022-09)

• Promoted CIBC's full range of financial products, enhancing clients' portfolios in both inbound and outbound capacities.
• Collaborated with lending, mortgage, and fraud departments to deliver tailored financial solutions.
• Profiled clients proactively to identify needs and recommend products, including loans, credit cards, and mortgages.
• Mentored new team members and served as NPS Prime, driving superior client experiences.

Financial Services Representative at Easy Financial Services (2020-06 – 2021-07)

• Reviewed legal documents to ensure underwriting requirements and followed risk management measures while generating lending leads.
• Proactively initiated phone calls to book meetings with existing clients to identify financial gaps and offer cost-saving solutions.
• Specialized in loan origination, second mortgage lead generation, ancillary sales, loan disbursement, and full knowledge of Accounts Receivables and delinquency management.

Senior Client Service Representative at Synchrony Financial (2019-04 – 2019-09)

• Handled customer queries related to PayPal Credit, Amazon, and PLCC retail cards; participated in a special Collections project evaluating client creditworthiness.
• Coordinated daily with internal partners across accounting, operations, consumer affairs, and new business teams.

Financial Analyst II at Berkadia (2015-07 – 2017-01)

• Reviewed loan applications and performed financial evaluations including risk assessments.
• Processed site inspection reports and managed the Streamline Refinance Package Analysis (SRPA) workflow.
• Communicated with clients to resolve issues on non-qualifying loan applications.

PG Diploma in Business Administration – York University (2020)

MBA in Finance & Human Resources – Bhavans Vivekananda College (2015)

Bachelor's in Commerce – Ken Degree College (2013)