Parul Malik
Financial Advisor
Summary
Enthusiastic financial services professional highly effective at working with clients of all levels and backgrounds. Friendly and personable with adaptable approach. Exceptional knowledge in wealth management, Trade Finance, Trade Operations, & Risk Management and investment.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
As a CFA candidate possesses a knowledge about Derivatives, Corporate Finance, Portfolio Management. Pursuing CFA has given an opportunity to better understands a market and provides analytical and quantitative approach towards risk associated with investments product
Overview
8
8
years of professional experience
5
5
years of post-secondary education
4
4
Certifications
Work History
Financial Advisor
AXA Life insurance Pte ltd(HSBC Life)
09.2020 - 01.2023
- Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.
- Managed over 50 Customer calls per day for sales and education purpose.
- Assisted clients with preparing financial plans, conducting investment research, and completing trades and transactions to assess and meet financial goals.
- Worked with clients to support understanding of rationale and details of financial strategies.
- Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities.
- Recruited, trained and mentored junior financial and support staff to generate ideas, share knowledge and grow firm.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on individual needs.
- Developed comprehensive retirement planning strategies to help clients maximize retirement savings
Assistant Manager
Yes Bank ltd
01.2017 - 04.2019
- Proofread filenames, titles and submittal details to streamline submittal and avoid rejection.
- Demonstrated creativity and resourcefulness through development of innovative solutions.
- Strengthened communication skills through regular interactions with others.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Provided support for document controls and worked with contract documents.
- Used Adobe Acrobat, Blue Beam and ProjectWise for document management and enhancements.
- Checked accuracy and completeness of documents to identify deficiencies and recommend corrective actions.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Managed Over 20 Relationship Managers and their clients for Loan disbursal process.
Operations Manager
South Indian Bank Ltd
09.2014 - 12.2017
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Complied with established internal controls and policies.
- Developing global processes and tools in bank guarantee management & Business objectives
- Interact closely and manage Product / Client expectations by on boarding new clients on timely manner
- Checking Letter of Credit according to LC Practise rules (UCP600, ISP98, ISBP and URR725), expert opinions and legal decisions
- Payment of Documents Presented under LC/NON LC through SWIFT
- Booking & paying off Collection Document
- Delivery order Issuance for documents under L/C or collection
- Bill of Entry Follow up & monitoring & maintaining data
- Reduce processing bottlenecks with strong focus on Turn Around Time (TAT)
- Correct use of systems and processing tools to produce accurate outputs thereby retaining professional image & Status of the Bank and high client service levels
- Build strong relationship with all stakeholders e.g. Product, Transactors, Sales, Compliance, Technology, etc.
- Managed more than 10 High net worth Trade Finance clients and deliver best customer services and better Exchange rates for Foreign business Transactions.
Education
Masters in Commerce - Banking & Finance
Veer Narmad South Gujarat University
India 06.2011 - 08.2013
Bachelor's of Commerce(Honors) - Accounting And Finance
University Of Delhi
India 04.2007 - 06.2010
Skills
Cutomer Services
Mutual funds & Retirement Needs
Relationship building and management
Loans, Financial Advising
Investment advice
Trade & Loan Documentation
SWIFT
Portfolio Management
KYC & AML
Analytical & Quantative Analysis
Accomplishments
- Received the "Best Team Mate" award at Yes Bank – 2018
- Successfully Retained Client worth INR 100 Crores of Trade Finance Business in South Indian Bank
- Created Excel Sheet for Calculation of Monthly Installment of Client that ease the transaction process
Certification
M9A
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
You only have to do a few things right in your life so long as you don’t do too many things wrong.
Warren Buffett
Timeline
Financial Advisor
AXA Life insurance Pte ltd(HSBC Life)
09.2020 - 01.2023
M9A
08-2020
M9
08-2020
M5
08-2020
HI
08-2020
Assistant Manager
Yes Bank ltd
01.2017 - 04.2019
Operations Manager
South Indian Bank Ltd
09.2014 - 12.2017
Masters in Commerce - Banking & Finance
Veer Narmad South Gujarat University
06.2011 - 08.2013
Bachelor's of Commerce(Honors) - Accounting And Finance
University Of Delhi
04.2007 - 06.2010