1. NAVDEEP KAUR
347-440-2075
navbal81@yahoo.com
A motivated and results-oriented financial services provider offering expertise in banking and
investment solutions. Experienced in Retail banking with 12 years of diverse experience seeking growth
position in management will add value and help your organization to succeed with superior skills.
HIGHLIGHTS
• Candidate of Chartered Professional Accountant (CPA).
• Recognized for exceeding target expectations at Capital One.
• Calculate financial ratios to determine customer’s eligibility and debt ratios.
• Identifying and analyzing sources of repayment and collateral Identify and escalate
opportunities for retail credit policy and or process changes to facilitate a better balance and
support of both the customer experience and credit quality.
• Answer calls from branch business partners to assist with credit questions with focus on
customer satisfaction.
• Knowledge of how to analyses the major funds flows of the firm and determine specific assets
a firm should acquire as well as least-cost methods of financing those assets.
• Understanding of cash management, inventories, receivables and fixed assets and alternative
sources of available funds, including short-term, intermediate, and long-term sources of
financing, the cost of capital, optimum capital structure and corporate dividend policy.
• Motivated, Assertive, Perform great in a competitive sales environment.
• Assist managers with weekly reports and goals and Coach staff members adhere to established
policies and procedures.
• Developed sales strategy for each individual relationship to provide a customized financial
plan and services in investment management products, credit solutions and bank product.
• Knowledge in Microsoft Office: Excel, Word, Outlook, C+, Java and Oracle.
• Strong communication and problem solving skills enhanced through customer service
experience
• Multilingual: Fluent in Punjabi, Hindi and Urdu
EDUCATION
Bachelor of Accounting 2012-2016
Queens College CUNY
Bachelor of Accounting 2000-2003
SRGC, Amritsar India
Advanced Diploma in Computer Application 2001-2002
Zed Academy

2. RELEVANT EXPERIENCE
C Relationship Banker/Branch Designee Capital One Bank
2006-PRESENT Floral Park, NY
• Devoted to working with a team by playing vital role every day in our customers banking experience as
Exceptional experience for client.
• Responsibilities primarily included maintaining and strengthening established relationships
with small business and consumer customers and developing relationships with new business
customers.
• I work day to day with credit personnel, and underwriting teams with particular attention to
loan quality, risk, and compliance to Bank’s policies and procedures and those of federal
programs, including deposit accounts.
• Effectively leverage, coordinate and organize targeted marketing campaigns, events and new
product launches to drive sales activities and fulfill customer needs across territory.
• Provide Product Specialists with qualified referrals. Assist through closing.
• Strictly adhere to internal control policies such as the account opening and credit protocols of
accurate collection, completion and updating of all required documentation
• Collaborate with other branch team members to provide innovative solutions for our
customer’s issues.
• Conduct discussions with prospects to understand the life phase and recommend banking
needs solutions.
• Manage branch in the absence of Manager and take decisions on his behalf to resolve the
issues.
• Process applications on Home equity loans and credit cards after analysing their Debt to
Income ratios to provide them accurate knowledge of the process.
• Develop relationships by advising clients and analyzing which products and services best meet
their needs.
• Greet customers, prospects, and visitors in the lobby to help them with any inquiries.
• Deeping customer relations and discovering financial needs by understanding what’s
important to the customer.
TELLER /BACK UP HEAD TELLER Capital One Bank
2004-2006 Grand Central branch, NY
• Greeted customers and assisted in identifying their banking needs.
• Recorded all payments made to and from accounts and balanced daily banking records.
• Assisted in training new tellers and provide guidelines of their responsibilities including
opportunities to sell more products to customer by referring them Relationship Banker.
• Assisted Tellers to prove at end of the day if there re any discrepancies
• Prove ATM and Branch on daily basis.
• Responsible of incoming and outgoing currency shipment.

3. CLIENT ACCOUNT ASSISTANT PUNJAB & SIND BANK INDIA
1999-2001 Amritsar, PB
• Assisted a diverse customer population to setup new accounts and provided them with bank
wide services information.
• Helped customers complete their transactions, including cash and check deposits, cash
withdrawal and balance transfers.
• Managed growing client relationships while resolving billing issues.
Volunteer work Capital one finance park junior achievement
• Sharing my professional skills that can help a non-profit Organization to achieve its mission.
• Junior Achievements nationally recognized financial education curriculum for middle and high
school students.
• Provides financial education experience that gives school student an opportunity to ddevelop
personal money management skills. Financial education to low- and moderate-income
population.
Additional Information
• Recognized for achieving investment goal in District.
• Top Branch in achieving its KPI’s in Queens.
• Top producer of credit card applications in the district.