Shifali Sharma
Modbury Heights,South Australia
Summary
Results-driven banking professional with extensive experience in operational banking and mortgage lending. Proven expertise in credit management, risk assessment, and streamlining banking operations to achieve performance targets. Adept at fostering client relationships, enhancing portfolio quality, and driving financial growth. Core competencies include process optimization, compliance management, and delivering tailored lending solutions to meet diverse customer needs. Committed to operational excellence and leveraging industry expertise to contribute to the success of financial institutions.
Overview
14
14
years of professional experience
Work History
Officer
Punjab & Sind Bank
Amritsar, India
04.2016 - 12.2024
- Originated, reviewed, processed, closed and administered customer loan proposals
- Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets
- Advised clients on mortgage, education and personal loans
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements
- Compiled database of loan applicants' credit histories, financial statements and other financial information
- Explained very technical financial information to applicants in easy to understand language
- Developed and maintained relationships with local real estate agents
- Maintained strict confidentiality of bank records and client information
- Supervised loan personnel and motivated to maintain customer service and performance standards
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
- Utilized up-to-date information to make effective decisions governing bank operations
- Supervised branch operations and made continuous improvements in each area
- Met with clients to generate new business and negotiate contracts.
- Prepared monthly reconciliation of bank accounts, and took corrective actions on deviations.
- Provided financial information and interpreted implications for business performance and funding needs.
- Prepared and finalized Financial Statements such as Income Statement and Balance Sheet.
- Analyzed financial statements on a daily, monthly, and annual basis against targets and strategic goals to prepare variance analysis to support management.
- Managed monthly, quarterly, and annual financial and accounting closings, and assisted in coordinating financial and taxation internal audits.
- Ensured accuracy of books/ledgers by checking accounting system.
- Facilitated training sessions for new employees on company policies and procedures.
- Ensured the security and confidentiality of sensitive information.
- Identified needs of customers promptly and efficiently.
- Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
- Responded promptly to customer inquiries or complaints in a polite manner.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
Coaching
06.2011 - 03.2016
- Tutored children individually or in small groups to help with assignments and reinforce targeted lesson skills
- Established and maintained positive relationships with students to foster environment of support and open communication
- Shifted between formal and informal methods of teaching to keep students engaged
Education
Master of Commerce - Finance Accounts Taxation
Panjab University
Chandigarh05.2016
Bachelor of Commerce - Finance Taxation Accounts
Arya College
Ludhiana, PB04.2011
Senior Secondary - Commerce
Khalsa Girls Sr. Sec. School
Ludhiana, PB03.2008
Matriculation -
Saini Public School
Ludhiana, PB03.2006
Skills
- Resource Management
- Effective Credit Management
- Strong Interpersonal Skills
- Proficient in Financial Operations
- Proficient in 10-key
- Teamwork Facilitation
- Data-Driven Report Preparation
- Risk Assessment
- Versatile in Dynamic Environments
- Critical Thinking
- Conflict Resolution
- Adaptable Learner
Languages
- English
- Hindu
- Punjabi
Personal Information
Title: Finance Manager
Languages
English
Professional
Hindi
Full Professional
Punjabi
Native/ Bilingual
Timeline
Officer
Punjab & Sind Bank
04.2016 - 12.2024
Coaching
06.2011 - 03.2016
Master of Commerce - Finance Accounts Taxation
Panjab University
Bachelor of Commerce - Finance Taxation Accounts
Arya College
Senior Secondary - Commerce
Khalsa Girls Sr. Sec. School
Matriculation -
Saini Public School
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