SURBHI TALWAR
Melbourne,Australia
Summary
A highly dedicated Banking, Credit and Finance professional with nearly 7 years of experience in Financial Planning, Insurance, Product development, Operations, Marketing of Banking Products and domain Consulting along with experience as a Research Analyst. Expertise in mortgage lending, branch operations, accounting, trade finance products, insurance, financial planning, stock market & fixed income products, credit administration.. Proficient with various tools like Finacle, MS Excel, MS PowerPoint, MS Word, Tableau. Rich knowledge of products such as Investment Products, Asset Management, Credit Administration, Corporate & Retail Banking and Research & Analysis. Expertise in managing portfolio of high-profile customers. Astute professional in financial advising, known for high productivity and efficient task completion. Possess specialized skills in investment strategy, tax planning, and risk management. Excel in communication, problem-solving, and adaptability, leveraging these soft skills to meet and exceed client expectations consistently.
Overview
9
9
years of professional experience
Work History
Financial Planning Assistant
Black and Krantz Accountants and Financial Advisors
South Melbourne , Victoria
07.2024 - Current
- Analyzed financial information obtained from clients to determine strategies for meeting clients' financial objectives.
- Strengthened client relationships by conducting routine portfolio reviews to measure plan success.
- Researched economic trends and market conditions to provide up-to-date information on investment options available to clients.
- Provided recommendations for education funding, estate planning and insurance gap analysis.
- Guided client decisions based on tax or other financial benefits to help each reach desired goals.
- Implemented financial plans and insurance strategies specifically tailored to client's financial goals.
- Managed relationships with outside vendors such as attorneys, accountants, when necessary.
- Answered clients' questions regarding details of financial plans and strategies and explained data in easy-to-understand terms.
- Communicated regularly with clients via phone, email, or video conferencing regarding their financial matters.
Financial Planning Assistant
Gupta Financial Group
Melbourne, Australia
08.2023 - 07.2024
- Prepared reports and other documentation ahead of prospective client and current client meetings
- Provided excellent service to clients by utilizing skills in active listening, effective communication and quick turnaround on issues
- Assisting with the preparation of outstanding financial advice on investments, pension planning, inheritance tax and estate planning, in an efficient manner
- Supporting Client Relationship Manager and Senior Financial Planner to execute client relationship strategy
- Reconciling accounts and allocating payments received from external parties
- Supporting the Client Relationship Manager and Senior Financial Planner to maintain strong relationships with clients, driving engagement and positive client outcomes
- Ensuring that the work undertaken complies with the regulatory and legal environment
- Operational support to other business units as and when required
Marketing Consultant
Ecare Careers
Melbourne, Australia
04.2023 - 07.2023
- Prepared clients document and update the CRM system
- Managed and updated company's social media and event organisation
- Communicated with host companies and clients
- Managed clients profile and status
- Provided telephone customer support and relay messages on occasions
- Performed other tasks and projects as requested by management
Credit Analyst
The Federal Bank Ltd.
09.2019 - 02.2023
- Spearheading due diligence on credit proposals assigned
- Adhering the TAT for processing new/existing proposals
- Ensuring achievement of satisfactory RAROC (Risk Adjusted Return on Capital) for each unit in the AMT
- Timely completion of reviews/renewals as Appraiser, including credit risk assessment proposals
- Evaluating clients' credit data and financial statements in order to determine the degree of risk in lending money to them
- Conducting thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence
- Presenting analysis, findings, and recommendations to managers, especially findings that involve a borrower's capability to repay
- Structuring deals and performing risk assessments; managing multiple projects and submitting applications on time
Assistant Manager- Operations Department
The Federal Bank Ltd.
06.2018 - 08.2019
- Managed clearing operations with transactions value coming approximately to 40-50 crore
- Spearheaded Business Continuity Program, policy creation, manual preparation, defining roles & responsibilities, mock drills & executions
- Branched and contributed in Audits for Business Continuity Management System to get ISO certification for the organization
- Drove major Gold Loan Operations that include the following: Credit & Debit Card Operations, Depository Operations
- Multitasking, Communication, Decision Making, Problem Solving, Time Management
Officer- Manager Operations- Retail Banking
The Federal Bank Ltd.
06.2017 - 06.2018
- Led branch operations through Finacle and ensured correctness in all financial and non-financial transactions
- Managed Trade Finance related to products such as L/C, Bank Guarantees, Export-Import related document, Inland Bills and Bill Discounting
- Represented bank in all forums involving HNI and corporate clients; resolved 95% of customer enquiries and complaints
- Trained new employees on Finacle Core Banking solution and retail branch operations
- Leveraged professional relationships to develop new business opportunities
Research Analyst
Springforth Capital Advisors
Bangalore, India
04.2016 - 09.2016
Education
MBA - Accounting
Universal Business School (UBSS)
Melbourne, VIC12.2025
PGDM - Finance
ITM Business School
Navi Mumbai01.2017
Bachelor of Business Administration -
Kurukshetra University
12.2015
Skills
- Credit Analysis & Credit Risk
- Banking Operations
- Risk Management
- Loan and Credit Management
- Portfolio Management
- Communication
- High Attention to Detail
- Market Research
- Financial Analysis
- Client Relationship Management
- Competitive Research
Languages
- English
- Punjabi
- Hindi
Personal Information
Date of Birth: 02/13/95
Internship
Research Analyst, Springforth Capital Advisors, Bangalore, 04/2016, 09/2016
Languages
English
Professional
Hindi
Professional
Timeline
Financial Planning Assistant
Black and Krantz Accountants and Financial Advisors
07.2024 - Current
Financial Planning Assistant
Gupta Financial Group
08.2023 - 07.2024
Marketing Consultant
Ecare Careers
04.2023 - 07.2023
Credit Analyst
The Federal Bank Ltd.
09.2019 - 02.2023
Assistant Manager- Operations Department
The Federal Bank Ltd.
06.2018 - 08.2019
Officer- Manager Operations- Retail Banking
The Federal Bank Ltd.
06.2017 - 06.2018
Research Analyst
Springforth Capital Advisors
04.2016 - 09.2016
MBA - Accounting
Universal Business School (UBSS)
PGDM - Finance
ITM Business School
Bachelor of Business Administration -
Kurukshetra University
Similar Profiles
Chamodi MendisChamodi Mendis
Junior Accountant at TASC Accountants, Business & Financial AdvisorsJunior Accountant at TASC Accountants, Business & Financial Advisors
Jameilah MakhloufJameilah Makhlouf
Receptionist Administrator at STRAGANS ACCOUNTANTS & BUSINESS ADVISORSReceptionist Administrator at STRAGANS ACCOUNTANTS & BUSINESS ADVISORS
Brianna GibbensBrianna Gibbens
Client Service Coordinator at GFA Accountants & Business AdvisorsClient Service Coordinator at GFA Accountants & Business Advisors