Summary
Overview
Work history
Education
Skills
Accomplishments
Systems Proficiency
Timeline
Generic

Sruthi Are

Toronto,Canada

Summary

Results-driven financial services professional with over six years of experience in mortgage retention, client relationship management, and financial analysis. Proven expertise in exceeding sales targets, nurturing client relationships, and delivering exceptional customer experiences. Skilled in mortgage renewals, loan origination, and risk assessment,

Overview

10
10
years of professional experience

Work history

E-Mortgage Advisor

Canadian Imperial Bank of Commerce (CIBC)
Toronto, Canada
05.2024 - 07.2025
  • Mortgage Origination and Processing: Assist clients in originating and processing mortgage applications, ensuring all required documentation is collected and accurately completed.
  • Financial Analysis and Credit Assessment: Analyze clients' financial information and credit reports to assess their eligibility for various mortgage products.
  • Client Consultation and Guidance: Provide expert advice and personalized guidance to clients throughout mortgage process, addressing their questions and concerns.
  • Product Recommendation: Recommend suitable mortgage products based on clients' financial situations and needs.
  • Regulatory Compliance: Ensure all mortgage transactions comply with relevant regulations and company policies.
  • Collaboration with Stakeholders: Work with real estate agents, title companies, and other stakeholders to facilitate smooth and timely loan processing and closings.
  • Sales and Business Development: Actively prospect for new clients, maintain a network of referral sources, and stay informed about market trends and industry developments to increase loan volume and client base.

Mortgage Renewal Advisor

Canadian Imperial Bank of Commerce (CIBC)
Toronto, Canada
10.2022 - 04.2024
  • Managed all aspects of residential mortgage retention, including renewals, refinances, ports, and assumptions, contributing to team retention targets.
  • Conducted pre-qualifications and negotiated with borrowers to maximize revenue while meeting client needs.
  • Maintained up-to-date knowledge of bank promotions, products, and technologies to enhance customer experience.
  • Resolved customer objections effectively, delivering fair solutions that balance client satisfaction and business profitability.

Financial Services Representative

Canadian Imperial Bank of Commerce (CIBC)
Toronto, Canada
07.2021 - 09.2022
  • Promoted CIBC's full range of financial products, enhancing clients' portfolios in both inbound and outbound capacities.
  • Collaborated with lending, mortgage, and fraud departments to deliver tailored financial solutions.
  • Profiled clients proactively to identify needs and recommend products, including loans, credit cards, and mortgages.
  • Mentored new team members and served as NPS Prime, driving superior client experiences.

Financial Services Representative

Easy Financial Services
Toronto, Canada
06.2020 - 07.2021
  • Reviewed legal documents to ensure underwriting requirements and followed risk management measures while generating lending leads.
  • Proactively initiated phone calls to book meetings with existing clients to identify financial gaps and offer cost-saving solutions.
  • Specialized in loan origination, second mortgage lead generation, ancillary sales, loan disbursement, and full knowledge of Accounts Receivables and delinquency management.

Senior Client Service Representative

Synchrony Financial
Toronto, Canada
04.2019 - 09.2019
  • Handled customer queries related to PayPal Credit, Amazon, and PLCC retail cards; participated in a special Collections project evaluating client creditworthiness.
  • Coordinated daily with internal partners across accounting, operations, consumer affairs, and new business teams.

Financial Analyst II

Berkadia
Hyderabad
07.2015 - 01.2017
  • Reviewed loan applications and performed financial evaluations including risk assessments.
  • Processed site inspection reports and managed the Streamline Refinance Package Analysis (SRPA) workflow.
  • Communicated with clients to resolve issues on non-qualifying loan applications.

Education

PG Diploma in Business Administration -

York University
Toronto, ON
2020

MBA, Finance & Human Resources -

Bhavans Vivekananda College
Hyderabad, India
2015

Bachelor’s in Commerce -

Ken Degree College
Hyderabad, India
2013

Skills

  • Mortgage Origination and Processing
  • Financial Analysis and Credit Assessment
  • Client Relationship Management
  • Regulatory Compliance
  • Market Trends and Product Knowledge
  • Sales and Prospecting
  • Leadership and Team Training
  • Quality Assurance and Process Improvement

Accomplishments

    • 1000 Purpose Award, April 2024

    • 250 Purpose Award, Feb 2024

    • Annual Achiever Nominee 2024

    • 1000 Purpose Award, August 2022

    • Quarterly Momentum Award, Q3 2022

    • Quarterly Momentum Award, Q2 2022

    • Purpose award July 2022

    • Star of the Month, April 2022 (Best Accuracy)

    • Star of the Month, May 2022 (Top NPS and Top Credit Cards)

    • Star of the Month, Jun 2022 (Top Solutions)

Systems Proficiency

  • MS Office: Word, Excel, PowerPoint, Outlook
  • CIBC Systems: CRM, ECRM, Certapay, Chordiant, COINS, ECIF, Horizon, Smart, Telagent, Verint, Wealth Management Tool, WDE, PLEXUS (ASO5a, ASO5b), Mortgage Tools

Timeline

E-Mortgage Advisor

Canadian Imperial Bank of Commerce (CIBC)
05.2024 - 07.2025

Mortgage Renewal Advisor

Canadian Imperial Bank of Commerce (CIBC)
10.2022 - 04.2024

Financial Services Representative

Canadian Imperial Bank of Commerce (CIBC)
07.2021 - 09.2022

Financial Services Representative

Easy Financial Services
06.2020 - 07.2021

Senior Client Service Representative

Synchrony Financial
04.2019 - 09.2019

Financial Analyst II

Berkadia
07.2015 - 01.2017

PG Diploma in Business Administration -

York University

MBA, Finance & Human Resources -

Bhavans Vivekananda College

Bachelor’s in Commerce -

Ken Degree College

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Sruthi Are