Saajid Mohammed

1. Emirates NBD bank
Working as Assistant branch manager
Duration: From March 2009 Till Date.
Responsibilities: • Scrutinizing the LC /BG docs thoroughly. Contacting the party for related information's.
• Well versed with corporate/priority/sme & retail customers segments in accordance to serve them with a better & innovative method within the boundary of bank policy.
• Daily reports to be scrutinized for each user in the branch, related to retail and operations department.
• Regular checking of suspense a/c and transitory a/c and providing justification to finance dept. On a weekly basis.
• Approving account opening and maintenance in the branch level.
• Taking decisions related to a/c opening, closure, downgrade, upgrade, chq returns, & So on.
• Ensure delivery of product and services within prescribe Turn around Time (TAT) to maintain quality level to the satisfaction of the customers.
• Co-ordination & Cross selling of all Retail Lending Products.
• Daily reports to be scrutinized for each user in the branch, related to retail and operations department.
• Regular checking of suspense a/c and transitory a/c and providing justification to finance dept. On a weekly basis.
• Approving account opening and maintenance in the branch level.
• Taking decisions related to a/c opening, closure, downgrade, upgrade, chq returns, & So on.
• Providing customer relation and activity report to AML and Legal department on a monthly basis.
• Solving any given issue in the branch level without reaching management unless and until if it's out of my hands and when it's really needed.
• Making new clients and make sure they receive smooth and efficient services from the bank which extends our business by word of mouth from our satisfied customers.
• Enhance a better business understanding through regular liaising and co-ordinate activities with different dept. managers such as Credit, Legal, AML, Marketing & Operations.
• Designated AML /Compliance officer for the branch.

Providing customer relation and activity report to AML and Legal dept on a monthly basis.

Designation: Chief Teller.
Duration: From January 2008- March 2009
Responsibilities: • Profitably managing Cash Team of 10 Tellers & 2 CSE without any complaints and hassle.
• In absence/leave of the assistant manager had taken her/his seat and managed the team of 25 members successfully without any issues or any higher management involvement.
• Right from resolving the customer issues, cash, operations, a/c opening as well as maintaining the AML record.
• Extra mille idea was given to my Company to visit & evaluate for Corporate/bulk buying/selling arrangement of FCY from the corporate sector and most of all the major hotels in Dubai where it was a successful & profitable for the ENBD where I was recognized as star and appreciation received from management.
• Take initiatives to support teller, operations area and continuously improve productivity of the team regular motivating the team to do the cross selling even of the bank products.
• Have acquired several appreciation certificate from the management team for profit and income gained through the FCY through corporate and individual FCY deals.
• Responsible for operational excellence and employee performance.
• Reviewing the operation performance, competitor analysis, investigates the variances, and gives the feedback to management.
• Gives proper and thorough products training to the team members and prepare them in a such a way that they will be ready to take my seat without any hassle in my absence.
• To make the client aware of our new products through presentations and discussions.
• Monitoring cash dept. on fortnightly basis any cash excess/shortage to be reporting to concerned person according to the escalation matrix.
• Solving any given issue in the branch level without reaching management unless and until if it's out of my hands and when it's really needed.

2. Al Ansari Exchange. UAE
Worked as Branch manager and FCY Currency Cashier. (Year sep 2005-dec 2007)
• Was the best FC dealer in the company for the foreign currency trade In the market.
• Worked as a remittance officer, customer relationship, and also as a foreign currency cashier. Dealing with the foreign currency exchange, transfers, and also dealing with customer queries.
• Attended the AML certified course and was a part of AML Team.

• Worked as customer service manager.
• Well versed with Telegraphic transfers, issuing Managers Cheque and demand drafts
3. ICICI Bank Ltd., India.
• Worked as a Relationship officer in ICICI Bank Ltd. (July 2004-Jul 2005)
ICICI Bank is one of the leading Banks of India, a one stop financial solution for all banking activities.
• Complete understanding of Small and Medium Finance market.
• Complete study on customer portfolio and suggesting the best for customer and bank benefits.
Responsibilities:-
• Review and process loans requests and analyze customer financial data, client relationship, checking credit worthiness for client applying for loans, credit risk analysis and to proceed from sanction to disbursement.