Vrushank Joshi

Experienced Financial service representative with a demonstrated history of working in the accounting and finance industry. Skilled in Balance Sheets, Microsoft Word, Sales, Data Reconciliation, and Communication. Strong professional with 5+ years of experience in the gamut of businesses including personal banking, credit management Operations, and Commercial and Personal Lending through acquiring, growing, and deepening client relationships focusing on clients’ business and financial needs.

Credit Specialist                                                                                                             Dec 2022- Nov 2023

RBC Contract Program, Canada                                                                                                                  

• DLA Level 4A, up to $450,000 on 1st ranking position home equity products, up to $75,000 on other personal advances & up to $75,000 on credit cards 
• Surpassed the team's financial sales targets by 15% for the first quarter (Jan-March,2023)
• Ensured strict adherence to AML and KYC guidelines through Enhanced Due Diligence
• Completed Home line Plan Line of Credit additions along with credit limit increases, Mortgage Refinance & and Mortgage Add-on applications with no credit defects successfully earning DLA and completing home equity training
• Encouraged clients to use digital enablement tools to make their self-serve banking experience easy and smooth so that they get quick solutions to daily banking and credit needs
• Handled clients from the home mortgage space and identified financial needs by discovering, strategizing, and growing business by cross-selling mortgage products
• Compiled and analyzed loan data, assessing any credit risk associated with transactions
• Analyzed credit history, income documentation, loan packages, title reports, and property appraisals
• Increased booked credit product totals from $15,000 to $2.7 million in a little over six months by actioning the offers, credit solutions per day, and referrals to Mortgage specialists for clients
• Actively identified and mitigated various types of risk, including regulatory, reputational, operational, and credit risks

Secured Credit Underwriter                                                                                          Jan 2022-Dec 2022

Easy Financial (NSSC), Head Office, Mississauga, ON       

• Evaluated and underwritten residential secured loans, ensuring compliance with established policies and procedures
• Analysed data and information gathered from the client and then better reviewed the financial situation of the customer`s Debt-to-income ratio, different tradelines, payment patterns, collections, legal and registered items, taxes owed, and fixed monthly liabilities
• Collaborated with relationship managers and credit officers to identify key risks and structure credit alternatives
• In-depth -reviewed secured loan application packages and verified documents following the provincial and federal property laws and regulations
• Analysed the appraisal report and Title reports -making sure of any liens, judgments, first and second mortgages on the property
• Took ownership of the credit process, ensuring decisions aligned with the best interests of both the customer and the organization
• Conducted annual reviews, modifications, extensions, renewals, and new loan requests with minimal changes required from credit approvers

• Master of Technology in Nuclear Engineering                                                      Aug 2014-June 2016

             Pandit Deendayal Petroleum University, Gandhinagar, India 

• Bachelor of Engineering in Mechanical Engineering                                           Aug 2009-June 2013

Gujarat Technological University, Ahmedabad, India