Officer - Accounts Management Services (Corporate & Retail)
UNITED ARAB BANK
Total years of experience :12 years, 0 Months
Thorough awareness of Account opening documentation for all Corporate entity types, in addition to Individual Accounts, Customer & Bank initiated Maintenances
Opening Corporate and Retail accounts and updating the records of existing corporate and retail customers.
In - depth understanding of records related to other Products like internal Accounts, Treasury Accounts, and Loan Accounts etc.
Vast experience in updating Interest Rates for Products like Call Deposit. Conducting internal checks (World check and Siron) for the New to bank customers.
Excellent knowledge of Banking Operations & Branch Network process acquired from experience working with UAB Centralized Operations.
Investigated exception items and resolved complex Money Transfer inquires received via SWIFT and E-mails etc. inquiries
regarding incoming and outgoing (Misspent Payments, Non-receipt, Late Payment, Wrong Beneficiary, Early Payment etc...)
Ensuring Minimal losses for the Bank and customers satisfaction.
Corresponded with domestic and International Banks, overseas representative offices (Nostro) and customers to confirm
payment details and instructions.
Maintained through and accurate records, Good oral and written communications skills
Corresponded with Compliance Unit (Sanctions) to resolve blocked and rejected transactions for compliance with Anti-
Money (AML) regulations.
Creation/Verification of messages for incoming and outgoing transfers via SWIFT and FTS MT103, MT202,
MT202, MT195, MT199, MT196, MT192) etc.
Settlement of commission/charges with regard to In/Out transfers and unmatched amounts. Preparation/verification of
refunds for any rejected transfers. ( Via swift and FTS ) Reversal of cancelled payments to customer accounts.
Processing and Authorize Outward remittances completion of outward remittances foreign currency and local currency
transactions.
Investigated outstanding items to determine if payment was made in order to reconcile or make any necessary adjustments
to items.
Collaborated with peers and managers in the immediate area as well as other departments to help them achieve goals for
investigations, compensation and balance related issues.
Signoff of all UAT testing for the various implemented countries onto IFS.
Perform other duties as requested by the management.
Manage and author the Product Program and Parameters for lending. Activity includes critical evaluation of the economic
scenarios; identify critical risk levers, amendment to the program based on risk and portfolio inputs on a continuous basis.
Perform portfolio analytics to identify areas of Risk & Growth to facilitate appropriate policy changes, while ensuring that
the portfolio quality is maintained.
Conduct Trainings on Credit Policies and parameters as and when required
Work closely with Credit Initiation Unit and recommend improvement for effective processing within agreed TAT
Provide constant feedback to channels on credit policy & target segment.
Conduct various OFAC search by utilizing internal systems for names from sanctioned countries and terrorist lists.
Screening of Onboard customer profile. Review customer transactions; gather data and supporting documentation required
for filing of STR.
Properly identify risk and escalate high risk findings to senior management.
Risks include but not limited to PEP, High risk nationalities, OFAC matches. Perform name and account based research to
determine if evidence of money laundering activities exist.
Ensuring Fresh acquisition (New to bank) clients in Corporate. The Products include CASA & Fixed Deposit from all regions.
Managing and acquisition of a Corporate Portfolio through pro-active and consultative approach and detailed
understanding of existing customers’ businesses to enhance liabilities and revenues.
Developing & executing effective sales plans for achieving increased business growth initiating market development efforts.
Meeting the right prospective clients, checking and verifying all the necessary documents for KYC (Know Your Client).
Identifying new streams for revenue growth and maintaining relationships with companies for the referral business.
EARLIERWORKEXPERIENCE
Ensuring Fresh acquisition (New to bank) clients in Corporate. The Products include CASA & Fixed Deposit from all regions.
Products Handled:
Corporate Accounts (CASA) -Sourced NTB (New To Bank) business - fresh assets & liabilities.
Fixed deposits (Corporate & Individual) - Looking after new to bank individuals for fixed deposits.
The Attainments:
Liaison with various business segments within the Bank and with external consultants, etc. for sourcing NTB.
Managing and acquisition of a Corporate Portfolio through pro-active and consultative approach and detailed
understanding of existing customers’ businesses to enhance liabilities and revenues.
Making effective calls to fix and check the quality of appointments
Creating, developing and maintaining of high quality advisory relationships that includes effective consultative selling and
creative restructuring of financial solutions.
Operating within Risk & Compliance requirements / framework. Adhere with the compliance and the policies
Managing a team of 8-10 Sales Executives. Responsible for the achievement of the team’s target. Responsible for providing
product training to new recruits.
Liaising with Credit Initiation Unit for smooth processing of submitted applications.
Building & maintaining healthy business relations with major corporate & institutional clients, ensuring client satisfaction by
achieving delivery & service quality norms.
Developing & executing effective sales plans for achieving increased business growth initiating market development efforts.
Products Handled:
Corporate & Payroll Accounts - Looking after new to bank Corporate & Payroll accounts of companies for their financial
turn out & Business Deals.
Excellency accounts / Privilege accounts - Specifically offering services to higher salary segment Clients.
Personal Loans & Self Employed Loans (PDC) - Providing finance in terms of Salary transfer loans to the Employees and
finance to Self Employed customer along with other products.
Corporate Cards & Banc assurance & fixed deposits - Credit facility with special packages given to ADCB Corporate
Clientele and new to bank individuals for insurance & fixed deposits.
Personal Loans & Self Employed Loans (PDC) - Providing finance in terms of Salary transfer loans to the Employees and
finance to Self Employed customer along with other products.
Corporate Cards & Banc assurance & fixed deposits - Credit facility with special packages given to ADCB Corporate
Clientele and new to bank individuals for insurance & fixed deposits.
The Attainments:
Meeting the right prospective clients, checking and verifying all the necessary documents for KYC (Know Your Client).
Identifying new streams for revenue growth and maintaining relationships with companies for the referral business.
Developing and impelling business on an incremental basis. Achieving monthly sales target. Cold calling to get new company
as per bank policies to add up new to bank customers.
Utilize public information & personal network to develop marketing intelligence for generating leads.
Acquiring new clients & handling their portfolios. Handling a team of sales & achieving sales and revenue targets on
monthly basis.
Cold calling for new clients, submitting daily sales report to Sales Manager.
The Attainments:
Maximum revenue generated by self-doing cold calling in Top companies. Maximum client base throughout all management
trainees.
Got Best Performance Award for maximum revenue generation as well as Award for
This includes selling of Airtel Land Line and Broadband Plans to individual as well as corporate.
The Attainments:
Playing an active part in identification of New Channels and Customers for selling of Land Line and Broadband Plans to
individual as well as corporate.
Identify and develop new streams for revenue growth and maintaining relationships with customers to achieve repeat/
referral business. Reporting daily Via MIS to management about progress of team. Worked closely with various departments
regards to service issues (Installations, MIS, co-ordination).
EDUCATIONALSUMMERY
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