I would like to apply for a suitable position in your esteemed organization. Please find by career summary below.

Transcription

1 From Anand C B Mob: Dubai UAE Dear Hiring Manager, I would like to apply for a suitable position in your esteemed organization. Please find by career summary below. My successful work experience, skills and education make me a strong candidate for this position. My qualifications seem to be in line with your requirements. 4 years of Priority Banking & Business Banking experience with Emirates NBD as Relationship Manager 3 years of Retail Banking Credit Cards Experience with Emirates NBD as Team Leader 2 years experience in Abu Dhabi Islamic Bank and Mashreq Bank in Business Banking SME Business Loans as Business Banking Advisor ACAMS membership; Good knowledge of AML Certified Anti-Money Laundering Specialist (CAMS ) MBA in Marketing and Finance In addition, I offer excellent communication skills and a team player attitude. These qualities, combined with my flexibility and industrious nature, should enable me to make a valuable contribution to the organization if given the opportunity. Enclosed is my resume for your review. Thank you for your time and consideration. Sincerely, Anand Balachandran Mob: cbanand1@yahoo.com 1

2 Anand Balachandran Mob: PROFILE SUMMARY 12 years of Banking experience with major banks like Emirates NBD,ADIB and Mashreq Bank 15+ years of successful work experience in Banking and Sales in UAE Excellent relationship with many High Net Worth Individuals and SME clients. Strong interpersonal skills. MBA in Marketing and Finance Proven ability to operate in a complex environment. Excellent client relationship management skills OBJECTIVE To be part of a reputed organization in a suitable position where I can utilize my experience and contribute to achieve the goals and vision of the Organization. ACHIEVEMENTS 4 years of Priority Banking & Business banking experience with Emirates NBD. 6 years of Retail Banking experience with Emirates NBD 2 years experience in SME - Business Loans in ADIB and Mashreq Bank Managed a portfolio of around 250 Priority Banking individuals and SME clients Handled Liability Portfolio size total up to AED 200 Million. Maintained strong and close relations with the customers which resulted in continuous target achievements. EDUCATION 1998 Master of Business Administration in Marketing & Finance. Bharathiar University,Coimbatore, India 1998 Passed National Eligibility Test for Lectureship in Management University Grants Commission, India Bachelor of Science in Computer Science Bharathiar University, Coimbatore, India 2014 Certified Anti-Money Laundering Specialist (CAMS ) Association of Certified Anti-Money Laundering Specialists Membership :

3 WORK EXPERIENCE Mashreq Bank Dubai, UAE Business Banking Advisor Jan 2015 Present Focusing on Business Development by acquiring new customers to bank by offering Small Business Loans upto AED 2 Million Preparation of Loan application, Business Visit Reports, In-house Financials details and also completion of disbursal documents / Security Documents Prepare and send high risk accounts for review by AML /Compliance departments in line with bank policy and KYC & AML requirements. Pre-evaluation and pre-screening of Business Loan Proposals to facilitate potential SME clients Understanding and evaluation of customer s strength through company profile, bank statements & Audit financials Cross sell of Bancassurance products ABUDHABI ISLAMIC BANK Nov 2013 Dec 2014 Dubai Executive Relationship Officer Promoting the Islamic Business Banking financial solutions like Goods Murabaha, Fixed Assets Murabaha and Tadawul etc. to SME sector. Business finance upto AED 2 Million across a variety of business sectors complying with Sharia guidelines and Code of conduct. Source applications by doing front end customer due diligence and collect complete set of documents required by the bank. Ensure the documents are verified checked for completeness/ validity to avoid later rejections by Credit/ Operations. Visiting clients, conducting credit review and creating clear and concise credit proposals, all this being in a time frame. Maintain effective business relationship with clients. Managing the whole sales process to include: prospecting, client meeting, assisting clients with paperwork VICTORIA GEN.TRADING LLC. June 2012 July 2013 Sharjah, UAE Business Development Manager Managed a company trading in paper products. Handled day-to-day operations and management of the company. Involved in company set-up. Negotiating and liaising with suppliers, manufacturers and exporters 3

4 EMIRATES NBD September 2002 March 2012 Dubai, UAE Account Manager, Priority Banking May 2008 March 2012 Managed Portfolio of around 250 Priority Banking individuals and Corporate /SME Clients with a portfolio size of AED 200 million. Sales Target - Net New Money, Net Interest Income, Net Fee Income, Forex Income, Investment and Bancassurance & Assets Maintaining strong and close relations with the customers which resulted in continuous target achievements. Serve as the one-point contact to the High Net Worth /SME customers of the Bank Providing the customers up-to-date information about all kinds of banking products including assets, liabilities, investments etc. Responsible for advice on investments and insurance products to give a broad picture of how individuals should best deploy their financial resources. Achieving continuous growth of the Portfolio by adding new quality customers and finding effective ways to increase revenues generated from the existing customers. Setting effective sales strategy and time management to guarantee excellent delivery of both customer's and management's requirements. Working on building the CASA book for the business. Drive cross sell initiatives and ensure contribution to Business Revenue. Relationship Management through managing accounts to enhance existing relationships with customers and get additional volumes of business for the bank. Maximum product penetration amongst existing customers. Contact customer on a regular basis and increase satisfaction to achieve high customer service levels and minimize complaints. Generate new business through customer Referrals and by participating in Networking events. Team Leader/Asst. Sales Manager January 2006 April 2008 Managed a team of 12 Retail Banking Executives Reporting to Sales Manager (Cards) Primary target of selling Credit cards in Dubai Recruitment; Train and coach the team members and help them to exceed the targets Help team members by creating relationships with new companies Institutional selling Designing special credit card promotions / offers to various companies Provide coaching and guidance to team members Meet top management of various companies to transfer the payroll and carrying out bulk credit card deals. Asst. Team Leader (Credit Cards & Personal Loans) September 2005 December 2005 Assisting the Team Leader daily to manage a Team of 14. Checking of Credit Card/ Loan Applications of various Team Members before forwarding to the Credit Dept. Creating Daily status report of Cards/Loans for the team. Managing the entire team in the absence of Team Leader. Closely Monitoring the Sales of all members and motivating team to bring more sales. 4

5 Senior Retail Banking Executive September September 2005 Sales of Retail Banking Products Personal Loan and Credit cards. Work closely with the Personnel Dept of various companies to provide retail-banking facilities to the employees. Work closely with Group companies / Big Organizations by providing tailor made Retail Banking packages to suit them. Products include Current Accounts, Personal Loan and Credit cards HI-POWER OVERSEAS INC. March August 2002 Jebel Ali Free Zone, UAE Senior Marketing Executive Product range include Personal Computers, Laptops, Monitors, Scanners, Computer components and peripherals Corporate / Institutional sales and Dealer Sales of IT products HI-POWER MARKETING LTD. November March 1999 Cochin, India Sales Executive Product range include Personal Computers, Printers & IT Products. Corporate / Institutional sales and Dealer Sales of IT products. PERSONAL DETAILS Full Name : ANAND CHERTHEDATH BALACHANDRAN Date of Birth : 4 th August 1975 Nationality : Indian Sex : Male Marital Status : Married Interests : Member of Toastmasters club, Networking Address : cbanand1@yahoo.com Mobile No. : (UAE) (UAE) (India) Mailing Address : P.O Box No.360, C/o Staff No , Dubai, UAE Visa Status : Employment, Transferable Driving License : Valid UAE Driving License Languages Known : English, Hindi, Malayalam, Tamil and Konkani 5