Retail Account officer Resume

PROFESSIONAL EXPERIENCE:

Confidential

Retail Account officer

Responsibilities:

Confidential

Senior Retail Account officer

Responsibilities:

Handling portfolio of Retail customers and playing the intermediary role between them and all bank divisions, in order to ensure the smooth work flow.
Cross selling the Retail, investment and commercial banking products and services such as; Secured and non - secured assets, Liabilities, investements, Funds and Commercial services for SMEs.
Opening all types of banking accounts.
Attracting new business and fresh funds to enhance branch cliental base and cost of funds also focusing on customer’s penetration rates.
Maintain high standard of customer care by exhibiting a pleasant and professional manner.
Complying with the AML terms and preparing KYC forms also keeping open eyes on my portfolio in order to avoid any remarkable operations among my portfolio.
Solving client inquiries and problems through effective interaction with clients, product partners, branch/operations areas, and other staff in a timely and professional manner.
Preparing proposals, spreading for all credit files which is not under the Branch power and disclose recommendations to the higher management upon the delegation matrix power.
Tracing settlements of my loans portfolio to squeeze the delinquency ratios.

Confidential

Senior SME's Relationship officer

Responsibilities:

Manage commercial account portfolios ensuring growth and quality
Interview business customers and prospects, describing cash management/deposits.
Analyze financial and related data to determine general creditworthiness of prospect.
Evaluate and structure loan requests, determine appropriate documentation.
Negotiate terms under which credit will be extended.
Ensure adequate loan documentation.
Review loan application for completeness and accuracy. Ensures proper and accurate disclosures are provided to all applicants within required timeframes.
Coordinate closing.
Assure compliance with all regulations.
Monitor loan repayment activities.
Advise customers on business management and other financial matters Develop new business by contacting prospects and customers and by cross-selling bank products and services. Will be prospecting and selling within the Confidential