Professional Summary
Licensed Personal Banker with extensive advisory background in Swedish retail banking, focusing on residential mortgages, household credit assessment, and structured personal wealth management. Demonstrated track record in managing client portfolios, ensuring stringent compliance with national regulatory frameworks, and fostering long-term advisory relationships.
Professional Experience
Västerhavet Sparbank
Gothenburg, Sweden
Personal Banker
Feb 2020 – Present
- Manage a dedicated portfolio of approximately 420 retail banking clients, providing tailored advisory on residential mortgages, consumer credit, and long-term fund investments.
- Execute credit assessments and risk evaluations for private home purchase financing, staying aligned with Finansinspektionen amortisation regulations and lending criteria.
- Facilitate structured financial planning sessions covering retirement savings, ISK accounts, and insurance coverage.
- Partner with internal compliance officers to maintain adherence to anti-money laundering (AML) and Know Your Customer (KYC) requirements.
Kattegat Privatbank
Gothenburg, Sweden
Junior Personal Banker
Aug 2015 – Jan 2020
- Delivered day-to-day banking guidance, debit and credit card services, and basic lending consultations to branch walk-in and appointment clients.
- Processed residential mortgage applications and refinancing requests in line with Swedish credit policies and SwedSec standards.
- Supported digital migration by onboarding customers onto BankID verification tools and mobile banking platforms.
- Conducted proactive quarterly outreach to identify individual client financing needs and life-stage wealth planning opportunities.
Branch Customer Service Specialist
Sept 2013 – Jul 2015
- Processed customer cash transactions, domestic Bankgiro payments, and basic account administrative maintenance.
- Resolved frontline customer inquiries regarding online banking access and daily financial transactions.
Education
University of Gothenburg
Bachelor of Science in Business and Economics · Finance and Financial Economics · Gothenburg, Sweden · Pass with Distinction (Väl godkänd) · Aug 2010 – Jun 2013
Coursework focused on commercial banking, corporate finance, macroeconomics, Swedish contract law, and financial asset valuation.
Completed a degree project examining retail mortgage risk assessments and customer retention in regional Swedish banking markets.
Projects
Branch Digital Lending Portal Integration
Mar 2022 – Sept 2022
- Participated in the regional branch rollout of an automated digital mortgage intake application, testing workflow steps and gathering feedback from retail applicants.
- Conducted internal coaching sessions for five branch team members to ensure smooth adoption of the new digital underwriting portal.
Areas of Expertise
Residential Mortgages
Credit Risk Assessment
Retail Investment Advisory
Client Portfolio Management
AML & KYC Compliance
Swedish Amortisation Regulations
Pension & ISK Savings
Customer Relationship Management (CRM)
Financial Needs Analysis
BankID & Digital Banking Platforms
Languages
Swedish
C2
English
C1
Certifications
SwedSec Advisory Licence (Rådgivarlicens)
SwedSec Licensiering · May 2015
SwedSec Mortgage Licence (Bolånelicens)
SwedSec Licensiering · Nov 2017
Community Engagement
Unga Sparare Göteborg
Gothenburg, Sweden · Sept 2023 – Nov 2024
- Financial Literacy Volunteer Tutor
- Delivered interactive evening workshops for young adults on basic personal budgeting, student loan management, and home-buying prerequisites.