MOHAMED ASHIK NAJUMUDEEN

 Managed all banking operations and dealt with customer service issues

 Work closely with the Branch Manager and Branch Sales Service Manager

 Maintain high level of customer service and handle customer complaints

 Coordinated with other branch managers on some projects

 Performed internal audits to ensure efficient banking operations & inspected various operations by performing spot checks and performing audits for branches

 Process Loans and line of credit requests.

 Reviewed and processed loan requests in a timely manner

 Prepare, assess and recommend loan product applications and maintenance requests and forward for approval to Consumer Processing Unit

 Provided financial advice to customers and maintained knowledge on various products.

 Updated knowledge on all new product line and services offered by bank to facilitate bank goals.

 Evaluated new customer accounts.

 Coordinated with various teams and supervised daily cash & teller functions and ensured accuracy in it.

 Provided on job Training to juniors and assisted in resolving all problems.

 Actively sell/cross-sell asset and liability products to new and existing customers

 Receive and process customer requests (e.g. account opening, NBAD online requests, returned cheque delivery, etc.)

 Encourage customers to build their balances with the bank in order to migrate to higher customer programs

 Coordinated with customers and resolved all complex problems.

 Educate Classic and Advantage customers about automated channels including ATM, call center and NBAD online and promote their migration to these channels

 Attract new customers to branch through personal relations and existing customer referrals

 Respond to call center regarding customer inquiries forwarded
Meet individual sales targets

 Participate in and potentially lead daily retail sales team meetings

 Service customer enquiries, determine customer needs and provide solutions with regards to their banking requirements

 Educate customers on product options, Manage customer and Maintaining Bank privacy

 Manage and pass on customer feedback
 Perform any other duties or tasks as required or instructed by Branch Manager.
 Check and authorize all operational tasks assigned as per the desk duties/ operating procedures, ensuring all activities are completed within timescales and with a high degree of accuracy.

 Effectively use a variety of computer programs to access customer details and databases, and research options

 Maintained good working relationship with customers and ensured satisfaction with work.

 Exceed targeted results in customer retention, client expectations, sales and support service as well as other customer service goals

 Perform Vault custodian functions

 Review & control all daily reports and activities performed at the Branch office

 Control and maintain Key registers, CCTV and attendance system

 Performs the function of custodian for collateral / security items to be lodged in safe to assure that the items are lodged

 Works in Mortgage finance ( Residential, Investment scheme and Home improvement Loans ) and process as per the credit policy recommended and forward it to, , Global Retail Risk & Mortgages credit unit for approval and follow up with customer to complete the documents

 In the absence of Teller the responsibilities assign to me, extensive knowledge handing position of teller. :- Exchange, Cheque deposits, Inter account Transfer and another financial Posting in accordance with courteous and error free services

 Performs ATM Cash Replenishment with related EOD Reconciliation of GL accounts

 Processing standing Instruction external and on Maturity.

 Handled daily data entries, income/sales reports, sales receipts and bank account transactions.

 Coded payables/receivables, produced invoices and assisted in preparing monthly financial reports.

 Performed various routine adjustments to company documentations, records and logs.

 Double-checked accounting reports, verified invoices and various documents for accuracy.

 Balanced entries, organized documents, debits and credits.

 Prepared supporting documentation for auditing whenever customers or auditors required.

 Reconciled purchase orders, invoices, and payment received

 Managed petty cash transactions on a daily basis

 Deposited cash and check in bank and made entries in the computer system

 Performing invoice processing, sending payment reminders, and updating accounts

 Handling daily bookkeeping functions and reconciling account ledger

 Installing and configuring computer hardware operating systems and applications

 Monitoring and maintaining computer systems and networks

 To help set up systems or resolve issues

 Troubleshooting system and network problems and diagnosing and solving hardware or software faults

 Providing support, including procedural documentation and relevant reports

 Supporting the roll-out of new applications

 Setting up new users' accounts and profiles and dealing with password issues;

 Testing and evaluating new technology;