Customer service officer
EMIRATES NBD
Total years of experience :17 years, 0 Months
Working with Emirates NBD from the year 2012 as Customer service officer, completed banking course provided by Tanfeeth. I have thorough knowledge about banking products and customer handling. I am a Post Graduate in Commerce specilised in Finance.
Bank of Baroda - Sharjah Branch ( Period from 15.05.2006 to 10.04.2011)
Worked in the following departments both in Operational and Advances side of banking in rotation: Outward Clearing/ Fixed Deposits/ ATM - Process of Outward Clearing in ICCS & Finacle banking software, Daily reconciliation of physical Outward Clearing Cheques and reporting to Zonal Office. Handled Outward Returns and daily tallying Clearing House account. Timely follow up and responding queries with other Banks and customers.
Creation and Liquidation of Short Term/Long Term fixed deposits, due date interest application.
Daily posting of ATM entries. (Both deposits and withdrawal from ATM by Transguard)
Teller - Cash payments and receipts. (Signature verification, checking other norms of cash withdrawal and payments), Cash deposits verification. Daily Cash Book balancing.
Advances Department - Credit analysis of corporate accounts for bank's various credit facilities. Preparation of company proposals for credit facilities / annual review of proposals, Preparing related letters for Dar Al Adalah, Banks etc. Assisting for Reconciliation of Inter branch statements, Preparation of monthly/ quarterly Loan/NPA, PSR, Excess/TOD, FBD, MMR and QMR statements, quarterly updating of Risk Bureau Report (RBR), Basel I, II, III.
Loans Department - Independently handed Salary linked Personal Loan & Vehicle Loan (processing of loan application, preparation of proposals for Brach / Zonal office sanction, disbursement of loan & loan/Overdraft Payoff) . Opening Secured Loans / Home Loans/ Term Loan & Overdraft account. Attending customers, monthly repayment, follow up of overdue accounts: follow up with the employer to recover terminal benefits of NPA's. Renewal of FDR's with concerned branches with regards to secured demand loan. Daily voucher posting of Trade Finance, providing customer service for money transfer.
Term Deposit /NRE/ Account Opening - FD Creation/ Liquidation and submitting daily reports, Customer Service, Opening of NRE A/C, SB A/C & Special Current A/C, Sending FD for renewal to India/ follow up with concerned branches/ Interbank Money Transfer, Reconciliation of daily New York Statement, Submitting daily reports.
Secretary - Worked as a secretary of Branch Manager, Inward and Outward SWIFT messages (feeding LC, TT, other authenticated and free format messages and its follow up), daily e-mails and respond to all bank related messages, Preparation of Cash deposit and withdrawal vouchers for Central Bank.
Previous Working Experience:
• Wrist Middle East (UAE) LLC (Assistant Accountant) . Worked in Accounts Department for the period Nov. 2005 to April 2006.
B.com - 1st class, Kerala University -India Main Papers - Accounting Advanced Accounting Higher Accounting Banking Law and Practice Auditing Costing
M.com (Finance) - 1st class, Kerala University - India Main Papers - Corporate Accounting Financial Management International Finance MIS and Computer Application Banking and Auditing