Japgun Banga

Experience

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  BMO Financial Group

  Jun 2015 - Nov 2015

  Associate, Everyday Banking | NACCC

  - Proactively identified business opportunities to help customers with their financial needs over the phone while protecting client information by implementing appropriate authentication procedures.- Provided exceptional customer service and directed client calls to appropriate sales support teams within the contact center.

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  TD

  Dec 2015 - Aug 2018

  - Created excellent customer experience by understanding customer’s financial needs to identify secured and unsecured credit opportunities. - Reviewed client’s income documents and credit history to complete complex credit applications for loans and line of credits. - Exercised sound credit judgement including understanding client’s risk threshold/appetite and ensured credit exceptions were satisfied prior to funding. - Performed daily banking transactions with accuracy and uncovered business opportunities for personal and commercial clients. - Performed branch cash functions and branch opening-closing procedures to ensure safety of customers and colleagues.

  • Financial Services Representative

    Dec 2017 - Aug 2018

  • Customer Service Representative

    Dec 2015 - Dec 2017
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  Scotiabank

  Sept 2018 - Feb 2024

  -Successfully managed high-volume financial transactions, including reviewing, and ensuring compliance with the bank’s policies and procedures.-Completed loan funding for new Commercial and Small business clients while servicing existing clients with subsequent funding. -Operated independently within assigned authorities and limits, demonstrating a strong understanding of lending processes and controls.-Acted as a dedicated point of contact for high-touch customers, fostering quick and flexible support while mitigating risks.-Adhered to established operating performance commitments (OPCs) and maintained a high degree of knowledge of relevant regulations, policies, and processes.-Contributed to the Engagement survey to enhance customer experience. Show less -Conducted annual compliance reviews of commercial client profiles and prepared documents for proper collection of commercial fees and payments.-Completed time-sensitive daily reports with 100% accuracy within SLA and maintained superior individual KPI results, ensuring adherence to regulatory requirements.- Trained new and tenured staff on various processes and represented the team at Scotiabank’s first virtual career fair. -Supported Team Manager with submitting process change intakes and managed workflow effectively. -Successfully completed various SOP changes contributing to the overall process improvement and customer experience Show less

  • Senior Service Officer - Commercial National Accounts

    Jan 2022 - Feb 2024

  • Senior Service Officer (Annual Review Team)

    Sept 2018 - Jan 2022
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  MCAP

  Aug 2024 - now

  Funding Officer