AHSAN REFAT

Provided guidance to customers on the best products and services available to meet their financial goals. Assisted clients with loan applications, including gathering required documentation and verifying accuracy of information provided. Maintained detailed records of all customer interactions, transactions, and account changes. Performed quarterly reviews of existing customer portfolios, identifying any areas of non-compliance or risk management concerns. Established relationships with local businesses, government entities, community organizations, to drive new business opportunities for bank's commercial banking division. Handled complex inquiries from high-net-worth individuals regarding investment options offered by the bank. Provided training sessions for other bank staff members on various topics related to commercial banking operations. Participated in team meetings providing input into product development initiatives or process improvements. Maintained confidentiality of bank records and client information, directed specific questions to appropriate branch personnel and exceeded customer service satisfaction ratings. Conducted on-site visits with customers to understand their needs and provide solutions. Conducted regular meetings with employees to discuss goals and performance issues. Established relationships with corporate clients to identify potential business opportunities. Developed and implemented portfolio strategies to meet clients' short-term and long-term financial goals. Assessed potential investments using fundamental and technical analysis techniques. Provided advice on investment opportunities based on individual client profiles. Coached junior team members on best practices for managing portfolios effectively.

My role as a Branch Manager was to coach staff, ensure regulatory and policy branch compliance, and also provide coverage, as needed for other departments within the scope of my position. I have experience in sales and solutions activities and pride myself in my achievements. I take pride in my communication and interpersonal skills. I have Strong financial, problem-solving, analytical skills, organizational and time management skills. Strong ability to coach and develop individuals. Always working towards great Teamwork and leadership Communication and problem-solving. Supported outside sales force in servicing and obtaining new business. Grew business banking relationships through proactive outreach. I Established and built customer relationships through targeted outreach and initiatives.

Responsible for building long-term relationships with clients in-person and by phone. Work to understand client's financial needs and consultative address by making appropriate product recommendations or referring the client to a financial partner. Manage relationships within the superior quality service in-person or by phone such that client needs are met on a consistent, positive basis. Support all daily operations of the branch, including timely and efficient completion of client transactions while maintaining accurate records and thorough proper handling of all monies assigned. Advised customers on bank products, services and financial planning options. Modified, opened and closed customer accounts. Completed thorough and accurate documentation for money movements, deposits or withdrawals. Compiled new customer information to open accounts and loans, collecting and verifying necessary documentations. Promoted financial products with targeted direct mailings, in-branch selling, and outbound calls. Educated customers on options for managing financial transactions by leveraging technology, tools and resources. Collaborated with mortgage and wealth management partners to assist customers with specialized needs. Identified financial needs of customers and presented appropriate product and service options.

Reinforced company initiatives and trained employees on new products,services and operational changes. Developed, assigned and monitored sales goals for retail personnel. These goals were determined based on what the company was looking for plus what the location needed to show growth and improvement. Ensure that customers and prospective customers were treated with the highest levels of courtesy and professionalism. Resolved customer concerns in a timely and empathetic manner.

Managed daily results through setting goals and training employees. Identified key product drivers for merchandise presentation to enhance sales. Managed all aspects of the business to ensure that focus stays on key business initiatives, store presentation, marketing execution and daily operation. Recruited, selected and trained staff and assisted with developmental opportunities. Increased store profitability through customer relationship development, marketing, soliciting new business sources, employee training and managing all store operating expenses. Prepared daily, monthly and other company reports and communicated information necessary to various levels of management