Life Insurance Management

Performance driven individual with excellent analytical, financial research and problem solving skills. Insightful professional with a proven ability to achieve and exceed in all business development goals under high-pressure, deadline driven environment. Ability to multi-task and interact with several internal and external clients in an efficient and timely manner.

Finance Professional in Banking Industry with over 10 years of experience in

Loan Counseling Financial Analysis

Building business relations Branch Audits

Educating and selling bank products Building Business relation

Education

Graduate certification in Finance Management with a GPA of 3.66 Anticipated Fall 2012

Southern New Hampshire University, Manchester, NH

Relevant course work: Financial Management, Managerial Accounting, Investment Analysis and Portfolio Management

Masters of Business Administration with a GPA of 3.82 2011

Fitchburg State University, Fitchburg, MA

Relevant course work: Audit and compliance, Qualitative Analysis, Human Resource Management, Strategic Management, Mergers and Acquisitions, Marketing, Accounting Information Systems

Additional Licenses and certification: 2009

• Series 6

• Series 63

• Life Insurance and Accidental Health

• NMLS

Bachelors of Science

Hindu College, New Delhi, India 1996

100% scholarship

Software Proficiency

Investment banking software

• Salesforce.com

• Touch Point

• Easi (Easi business solutions accounting)

• Bunker system.

Office Software

• MS Excel

• MS PowerPoint

• MS Access

Southern NH University

• Examined companies through detail ratio analysis, competitive analysis, statistical analysis and valuation.

• Performed Analysis of the statements of the company over the years using the trend analysis and common size analysis.

• Performed securities and portfolio analysis by calculating standard deviations, beta coefficient, coefficient of variation, NAV, yields.

Professional Experience

Citizens Bank, Amherst, NH (2001-Present)

Senior Banker/ Licensed Registered Representative

• Educate and sells Mortgages, Home equity loans, and lines of credits. Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.

• Completes loan applications, researches, compiles and ensures accuracy of information, the preparation and packaging of loan documentation.

• Perform financial analysis of the statements by conducting ratio analysis to make sure customer meets the banking requirements to get the loans.

• A strong record of achievement and advancement through increasingly responsible financial sales and client relationship.

• Ranked amongst top 10 regional bankers in every Quarter for the past 10 years. Won several top performer awards with in the Central region.

• Make sure that the staff is meeting the compliance guidelines. Knowledge of Anti Money laundering, SAR (Suspicious Activities Reports and Suspicious Transactions Report), Patriots Act, Bank Secrecy Act, OFAC.

• Conduct financial needs analysis and risk assessment in order to recommend investment products to meet client’s investment goals. Strong knowledge of securities, financial markets and the Mutual fund industry.

• Educate and sell investments- Fixed Annuity, Mutual funds (Asset allocation funds- Growth, Moderate and conservative funds) Life Insurance, 529 colleges plan.

• Write Investment trades following the compliance policies.

• Supervise training and coaching of new hires (bankers) and oversee quarterly sales figures.

• Serve as the key member of the bank to provide banking services (Personal Checking accounts, Business accounts, Mortgages, Home Equity loans and lines of Credit) to new and existing high net worth clientele and make sure that the quarterly goals are met.

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