Nidhi Joshi

408-***-****; ac8f9f@r.postjobfree.com http://www.linkedin.com/in/joshi-nidhi

Universal banker with 3.5 years of experience in the financial industry (NMLS # 1697623). Regarded for accuracy, commitment, and the ability to manage multiple tasks simultaneously.

Excellent knowledge of banking products, compliance requirements, and services. Proven ability to identify customer needs and match them with best banking products and services.

Strong interpersonal communications skills; interact with people from diverse professional and cultural background in a courteous manner. Service oriented with expertise in building solid customer base.

Professional Experience

Personal Banker II, US Bank, San Jose, CA (Nov’17 – Present)

Vault Custodian

Analysis review on consumer’s personal income statement, and final evaluation of debt-to-income prerequisite prior to credit submission.

Preparation and management of cash shipment to the Federal Reserve on a weekly basis.

Financial evaluation of branch specified Reserve Ratio to determine weekly cash order as well as percentage in-line shipment.

Underwriting loans for consumers such as personal loans, credit cards, and Home Equity Line of Credits (HELOC) from $3,000 to $150,000.

Contesting FICO adjustments with Consumer Loan Operations on critical-to-minor late payments on past balances to offset a decline.

Handling daily withdraws, deposits, fraud purchase disputes, and credit card claims.

Opening (or closing) particular consumer and business checking accounts.

Personal Banker, SBI California, San Jose, CA (Mar’13 – Nov’15)

Wire Operations

Prepared client domestic and international wires on a daily basis and reviewed other bankers general wire forms to validate IBAN, SWIFT, and BIC KYC policies.

Assessed branch operation for compliance on proper registration and shredding of private information after reaching legal holds duration.

Mandated customer’s financial information update to prevent any omissions per Know Your Customer (KYC) guidelines.

Analyzed financial reports such as customer per deposit (and withdraw) percentage rates to provide branch management update.

Contacted vendor lead list to acquire necessary loan information changes.

Performed closing transactions ledger balancing to ensure teller shortages and overages are in sequence or correcting previous day’s teller balancing errors.

Reviewed new accounts on a weekly basis to guarantee proper Anti Money Laundering (AML) protocol.

Technological Skills

Operating System: Microsoft Windows XP, Vista, 10; macOS.

Microsoft Office Suite 365: Word, Note, PowerPoint, and Excel.

CRM: Fusion Software, Hogan-Teller, and Credit-Optimization.

Education

MBA (Finance) University of Rajasthan, Jaipur, India (Jul’02)

Bachelor of Commerce (Honors) Jai Narain Vyas University, Jodhpur, India (Jul’00)

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