Vishal Mehta

Experience

• 

  State Bank of India

  Jan 2009 - Jul 2017

  • Performed credit risk assessment and financial analysis in processing monthly average housing loans worth 500K USD, vehicle loans worth 90K USD overdraft loans worth 80K USD and agricultural land development loans worth 45K USD.• Processed retirement benefits and assisted in the financial planning of retirement funds ranging 75K -100K USD.• Educated individual’s with investment opportunities and assisted them with investments considering complex credit and investment needs.• Organised quarterly meetings with diversified community groups to address their banking concerns, pitch new products, develop initial customer contact and generate leads.• Worked as liaison personnel to collaborate and build contacts with external agencies to source resources for the bank.• Sourced and analysed data for budget allocation up to 6 Million USD for 30 branches considering branch’s profile, previous performance and potential for growth.• Worked closely with Regional manager and Chief manager to assist them in business development, execution of bank’s policies and manpower planning for 30 branches.• Organized staff appraisals for 500 employees working at 30 branches adhering to standard operating procedures and processed within and higher cadre promotions.• Exercised due vigilance at various operational levels to avert potential risk of fraud.• Scrutinized overhead expenses of 30 branches to monitor 2.5 million yearly expenditure budgets, thereby restricting utilization beyond 90%.• Assisted 30 branches during audits with compliance work as per organizational standards. Show less • Processed loans actively focusing on minimizing turnaround time to deliver exceptional customer experience, build trust and long-term relationship to generate referrals and to cross sell insurance and mutual fund products.• Facilitated customers by addressing their banking needs like cash transactions, transfer payments, loan repayments and wire transfers.• Marketed digital banking and alternate channel products like mobile banking, e-wallet, internet banking, ATM and POS to retail and corporate customers, thereby saving transaction overhead of 20K USD per year for 8 branches and mobilized revenue growth. • Accountable for cash reconciliation and worked as joint cash custodian.• Attained quarterly growth of 15% consecutively for 2 years by contributing to branch's deposit and loan targets.• Originated and submitted monthly reports to the controlling office by adherence to bank’s standard operating procedures.• Excelled at multi-tasking and handling stressful situations in a fast-paced environment. Show less

  • Administrative Associate

    Jan 2013 - Jul 2017

  • Customer Service Representative

    Jan 2009 - Dec 2012
• 

  Walmart

  Oct 2017 - Mar 2022

  • Deliver exceptional service to customers and assist them by catering products based on their needs.• Work as a cashier.• Work as merchandising associate. • Deliver exceptional service to customers and assist them by catering products based on their needs.• Work as a cashier at express check out.• Work as merchandising associate.• Manage inventory in backroom and store. • Carry out inventory audits and track inventory stocks.

  • Customer Experience Associate

    Apr 2019 - Mar 2022

  • Customer Value Associate

    Oct 2017 - Apr 2019
• 

  CFA Institute

  Oct 2018 - Mar 2019

  Equity Analyst - CFA Global Research Challenge (University of Manitoba Team)
• 

  CIBC

  Aug 2019 - now

  • Regional Consultant

    Sept 2022 - now

  • Associate Financial Advisor

    Jul 2021 - Sept 2022

  • Financial Services Representative

    Aug 2019 - Jul 2021