Kulwinder Kaur
Easton,PA
Summary
Results-driven financial professional with over 11 years of expertise in SBA lending, retail banking, financial analysis, underwriting, and credit review. Holding a master’s degree in Accounting and actively pursuing CPA licensure, recognized for exceptional customer service and strong client relationship management. Demonstrated analytical skills have consistently delivered outstanding results and improved operational efficiency. Seeking to apply financial acumen in a dynamic, growth-focused organization.
Overview
12
12
years of professional experience
Work History
Senior Financial Analyst
Newtek Small Business Finance, LLC
03.2018 - Current
- Thoroughly review and analyze financial information including income statements, balance sheets, cash flow projections, tax returns, and credit reports to assess a borrower's financial health and repayment capacity
- Process all necessary SBA loan servicing requests, ensuring that they meet all the required SOP loan servicing requirements
- Prepare all loan servicing requests for all SBA small loans, to be approved by their manager
- Serves as liaison with borrower to gather required financials/documents needed to complete annual reviews and maintain loan file for SBA compliance
- Assist with other file maintenance exceptions, including direct communication with client
- Responsible for monitoring existing SBA loan portfolio to ensure it is performing adequately
- Serves as first line of defense for loans that are exhibiting deteriorating credit quality
- Refer deteriorating loans to special assets as appropriate
- Prepares deferment requests to be approved by their manager
- Document them in the borrowers’ loan folder
- Contact Colson and/or SBA when required for service action
- Ensure compliance with Bank Credit Policy and Small Business Administration Standard Operating Procedures
- When in contact with the customer, responsible for verifying customer profile and make sure loan file and customer information is up to update
- Responsible for preparing bank memo per procedures and if applicable supporting loan documentation to complete the servicing action request for customers
- Miscellaneous duties as assigned
- Trained junior analysts on financial analysis techniques and best practices.
- Utilized financial analysis to prepare plans of action for investment.
- Developed financial analysis reports and presentations by applying acquired financial principles.
- Created detailed reports summarizing financial performance metrics for senior management review.
- Presented findings to executive team highlighting areas of risk exposure and opportunities for improvement.
- Monitored cash flow projections and advised management on necessary adjustments as needed.
- Conducted variance analysis to compare budgeted figures against actual results and identified causes of discrepancies.
- Trained new professionals on corporate policies and objectives and provided mentoring and assistance, which improved overall retention and morale.
- Analyzed complex financial information to offer recommendations to management, driving decision-making.
- Collaborated with other departments to ensure accurate recording of transactions in the general ledger.
- Informed investment decisions by analyzing financial information to forecast business, industry or economic conditions.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
Portfolio Manager
Newtek Small Business Finance, LLC
03.2018 - 03.2020
- Manage and monitor a portfolio of SBA loans, ensuring timely and accurate servicing, reporting, and documentation
- Utilize SBA systems such as SBA CAFS, E-Tran, and the PPP Forgiveness Platform to manage and update loan information, submit requests, and complete necessary reporting
- Perform all necessary loan servicing actions, including deferments, modifications, and adjustments in compliance with SBA guidelines
- Ensure all portfolio management activities comply with SBA Standard Operating Procedures (SOPs) and the bank’s internal policies
- Maintain accurate and organized loan files
- Serve as a point of contact for SBA loan clients, answering questions and providing guidance on loan servicing, forgiveness applications, and compliance requirements
- Identify and report potential risks within the portfolio and work with the SBA team to develop risk mitigation strategies
- Prepare and submit regular portfolio performance reports and documentation required by the SBA, senior management, and regulatory bodies
- Support the PPP forgiveness application process by assisting customers with required documentation, submitting forgiveness requests through the PPP Forgiveness Platform, and following up on application status
- Work closely with the SBA underwriting, credit, and servicing teams to ensure a smooth process from loan origination to servicing and forgiveness
- Managed the collection process by contacting borrowers who are delinquent on their loans.
- Handled routine and complex inquiries from customers, title companies and vendors each day.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Monitored delinquencies, sent out notices, and followed up on delinquent accounts.
- Reviewed payoff requests from borrowers ensuring that all conditions have been met before releasing funds.
- Stayed abreast of lending regulations, industry trends and market rates.
- Updated client account information and records in company databases.
- Assisted with preparing documents required for bankruptcy proceedings when needed.
- Prepared reports for customers with delinquent and irreconcilable accounts.
- Maintained accurate records in the computer system including changes in borrower information or loan status.
Assistant Portfolio Manager
Newtek Small Business Finance, LLC
08.2016 - 03.2018
- Release collateral, insurance, etc
- For paid off loans within 30 days of payoff
- Work with title companies and insurance agents to ensure that the paid off loan is satisfied
- Thorough understanding of legal commercial/residential real estate loan documentation and requirements
- Process UCC amendments/releases using CT liens online system
- Loan processing, requesting/verifying tax transcripts, requesting/verifying tax search reports
- Assisted with preparing documents required for foreclosure proceedings when necessary.
- Generated periodic statements for customers detailing their loan activity.
Bank Teller
TD Bank
09.2012 - 02.2016
- Processed an average of 50 customer transactions daily, ensuring accuracy and compliance with bank policies
- Trained and mentored new tellers, improving team performance and reducing transaction errors
- Managed vault operations, maintaining cash levels and completing audits with zero discrepancies
- Resolved customer complaints efficiently, resulting in an increase in customer satisfaction ratings
- Identified and prevented fraudulent activities, safeguarding over $100,000 in bank assets
- Promoted cross-selling of banking products, contributing to a 10% increase in sales revenue
- Conducted customer transactions, including deposits, withdrawals, and check cashing, with a 99.5% accuracy rate
- Developed relationships with regular customers, enhancing customer loyalty and retention
- Balanced cash drawers daily, ensuring no discrepancies and maintaining accurate records
- Assisted in branch operations, including opening and closing procedures, resulting in improved efficiency
- Handled a variety of routine financial transactions, serving over 100 customers daily
- Adhered to safe deposit box procedures, managing over 50 boxes per week with zero errors
- Processed teller transactions and accepted safe deposit box payments, facilitating customer convenience
- Participated in community outreach programs, increasing bank visibility and customer base
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Trained employees on cash drawer operation.
- Identified transaction errors when debits and credits did not balance.
- Processed deposits, withdrawals, transfers, loan payments and other transactions accurately and efficiently.
- Balanced teller drawers regularly throughout the day according to established procedures.
- Adhered to strict guidelines regarding financial and customer data to avoid breaches and information misuse.
- Explained bank services, financial products and applicable fees to customers.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Entered transactions into computer and issued customer receipts.
- Increased knowledge of banking products and services by actively participating in available training classes and workshops offered to employees.
- Reported daily averages and shortages to operations department.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Prepared official checks for customer and internal bank needs.
- Counted drawers and reconciled remaining cash to accost for deposits and dispersals.
- Maintained accurate records of all financial transactions.
- Verified amounts and integrity of every check or funds transfer.
- Handled large sums of money with accuracy while maintaining appropriate levels of security.
- Took on additional shifts during busy periods to minimize staffing shortages.
Education
Master’s degree - Accounting
SUNY Polytechnic Institute
01.2019
Bachelor’s degree - Accounting
CUNY Queens College
01.2016
Skills
- Proficiency in QuickBooks
- Proficiency in MS Word
- Proficiency in Excel
- Proficiency in PowerPoint
- Proficiency in Outlook
- General understanding of SBA lending requirements
- Basic knowledge of generally accepted accounting principles
- Basic knowledge of auditing
- Intermediate knowledge of electronic payment processing
- Strong customer service skills
- Strong communication skills
- Self-motivated
- Ability to work independently
- Team player
- Ability to handle multiple tasks
- Keen attention to detail
- Strong analytical skills
- Strong organizational skills
- Revenue recognition
- Financial statements expertise
- Finance
- Planning and analysis
- Scenario analysis
- Financial statement analysis
- Revenue pattern analysis
- Debt financing
- Growth projections
Timeline
Senior Financial Analyst
Newtek Small Business Finance, LLC
03.2018 - Current
Portfolio Manager
Newtek Small Business Finance, LLC
03.2018 - 03.2020
Assistant Portfolio Manager
Newtek Small Business Finance, LLC
08.2016 - 03.2018
Bank Teller
TD Bank
09.2012 - 02.2016
Master’s degree - Accounting
SUNY Polytechnic Institute
Bachelor’s degree - Accounting
CUNY Queens College
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