VINITA SHARMA
Summary
Experienced and attentive loans officer with 11 years of experience in providing excellent customer services to clients seeking financial needs. Adept at thoroughly analyzing the financial status of clients and helping them obtain the best loans products that suits their needs. Evaluating new application and providing beneficial advices to support the clients. Bringing forth a track record of increasing client satisfaction raking while working in accordance with all company policies. Ambitious and driven to reach new levels of success.
Professional with strong experience in lending and finance, prepared to drive impactful results. Skilled in assessing loan applications, managing risk, and ensuring compliance with regulatory standards. Strong collaborator known for adaptability and delivering consistent outcomes in team environment. Expertise in financial analysis, customer relations, and strategic decision-making.
Overview
11
11
years of professional experience
Work History
Lending Officer / Personal Banker
Bred Bank Fiji Pte Ltd
11.2022 - 08.2023
Lending Officer/ Personal Banker
BSP Financial Group Limited
01.2020 - 09.2022
- Provide extensive personalized service to customers with specific or special banking needs.
- Develop and expand a portfolio of clients within the affluent customer segment by selling the full range of BSP products and services in a highly consultative, needs based manner.
- Meet or exceed goals in prospecting, sales, revenue, deposit gathering, customer satisfaction, and market share.
- Execute prospecting and sales plan in a manner that is proactive and designed to increase BSP’s market share within the affluent customer segment.
- Manage the quality of specific portfolio by following lending procedures and policies, comply with all applicable laws and regulations, perform adequate credit analysis, and maintain proper credit files.
- Evaluate loan requests and submit for approvals.
Customer Services Officer / Teller
BSP Financial Group Limited
03.2012 - 01.2020
- Provide financial solutions to clients to help them achieve their goals. Solutions could involve; payments, deposit, loan and investment products.
- Participate in and occasionally facilitates daily branch huddles.
- Assist on the Teller platform with new and existing clients of the bank with account transitions, maintaining responsibility for a cash drawer and following proper balancing procedures. Takes opportunities identified on the teller line to deepen and expand client relationship.
- Provide sales and service assistance to all clients. - Develops and maintains broad knowledge of products and services to appropriately support client needs.
- Apply highly effective selling skills while properly engaging and presenting solutions to customers.
- Collaborate with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
Education
Postgraduate Diploma - Management & Public Administration
University of the South Pacific
01.2014
Bachelor of Commerce - Banking and Management & Public Administration
University of the South Pacific
Secondary - undefined
Tavua College
01.2007
Primary - undefined
Tavua Primary School
01.2002
MBA - Business Management
Universal Business School Sydney
Sydney10-2026
Skills
- Professional expertise
- Mathematical proficiency
- Knowledge of banking products and services
- Client sourcing and relationship building
- Utilizing analytical skills to meet customer expectations
- Compliance management
- Experienced in utilizing Microsoft Office Suite effectively
- Interpersonal skills
- Organisational Skills
Hobbies and Interests
Internet Research, Social networking and interacting with friends and colleagues., Meeting new people., Self-Development.
Accomplishments
- 2022 – 2nd Position on the Quarter 1 Personal Banker Leaderboard
- 2021 – 2nd position on the Quarter 3 Personal Banker Leaderboard
- 2019-Essential Selling
- 2018- Top Trainee Personal Banker
- 2016 – Value Based Selling
- 2016 – Top CSO on Leaderboard (1st Position)
- 2014- Member of Fiji Institute of Bankers
- 2013 – Top CSO on Leaderboard (4th Position)
Awards
Relieving Team Leader Customer Service, Damodar City Branch 16/5/22 – 27/5/22, Relieving Customer Services Leader, Damodar City Branch 3/6/21 – 23/6/21, Relieving Head Teller, Damodar City Branch 13/12/17 – 12/1/18, Relieving Head Teller, Damodar City Branch 12/9/17 – 9/10/17
Work Ethic
- Trustworthy and Hardworking.
- Believes in working with diversified professionals from different backgrounds.
- Serious about accomplishing targeted goals, whilst maintaining ethical standards and compliance with rules and regulations
- Punctual
Work Engagements
- 2014 -2015 OHS Representative- BSP
- 2021 – 2022 Chief Fire Warden
Timeline
Lending Officer / Personal Banker
Bred Bank Fiji Pte Ltd
11.2022 - 08.2023
Lending Officer/ Personal Banker
BSP Financial Group Limited
01.2020 - 09.2022
Customer Services Officer / Teller
BSP Financial Group Limited
03.2012 - 01.2020
Bachelor of Commerce - Banking and Management & Public Administration
University of the South Pacific
Secondary - undefined
Tavua College
Primary - undefined
Tavua Primary School
Postgraduate Diploma - Management & Public Administration
University of the South Pacific
MBA - Business Management
Universal Business School Sydney
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