Najuma Joshi
Harrisburg
Summary
Dedicated and multilingual banking professional with over 5 years of experience delivering financial solutions in both U.S. and international markets. Demonstrated success in developing client relationships, lending services, and regulatory compliance across high-volume banking environments. Proven ability to engage affluent clients, detect risk, and build trust through advisory-driven service.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Branch Banker
PNC Bank
Harrisburg, PA
01.2023 - Current
- - Provide end-to-end banking services including checking, savings, credit cards, HELOCs and auto/personal loans
- - Consistently exceed quarterly growth targets through investment and mortgage referrals
- - Deliver high-touch client support in English, Nepali, Hindi and Urdu
- - Perform fraud monitoring and notarial responsibilities while maintaining NMLS compliance
- - Manage daily branch operations to ensure smooth, efficient and compliant banking services
- -Coach and mentor junior staff on sales techniques, customer service and operational procedure
Universal Banker
Nepal SBI Bank
Kathmandu, Nepal
04.2019 - 10.2022
- - Managed trade finance documentation, teller transactions and central bank regulatory reporting
- - Cashed checks, accepted deposits, ordered checks and debit cards, opened accounts and furnished online banking details to facilitate new transactions
- - Maintained and reconciled ATMs daily, handling replenishments and technical checks
- - Protected customer assets by detecting and preventing remittance fraud
Education
Bachelor of Business Administration - Banking & Finance
AWES – Institute of Management Studies (IMS)
Kathmandu, Nepal09-2017
High School - Business Mathematics & Accounting
Little Angels' College
Lalitpur, Nepal05-2013
Skills
- - Client Relationship Management
- - Core Banking Systems
- - MS Office Suite (Excel, Word, Outlook, Teams)
- - Lending: HELOC, Auto Loans, Personal Loans, Credit Cards
- - Investment & Mortgage Referrals
- - Regulatory Compliance (AML, BSA, KYC, RULONA)
- - Branch operations
- - Risk Mitigation & Fraud Prevention
- - Microsoft Office Typing Speed: 65 WPM
- - Multilingual Communication
- - PA Notary
- - NMLS Registered
Certification
- - Pennsylvania Notary Certification
- - NMLS Registration
- - Accounting Certification – eCornell University
- - Anti-Money Laundering (AML) & Counter-Terrorist Financing
- - Bank Secrecy Act (BSA) Compliance
- - Lending & Relationship Sales Training
Languages
English
Nepali
Hindi
Urdu
Timeline
Senior Branch Banker
PNC Bank
01.2023 - Current
Universal Banker
Nepal SBI Bank
04.2019 - 10.2022
Bachelor of Business Administration - Banking & Finance
AWES – Institute of Management Studies (IMS)
High School - Business Mathematics & Accounting
Little Angels' College
Section name
PA Notary | NMLS Registered | Accounting Certified (eCornell University)