ALYZA MARIE CRUZ AGAPITO
AL RAYYAN
Summary
Aspiring finance professional with a strong foundation in banking principles and practices. Proven ability to apply analytical skills to enhance organizational performance and drive results. Seeking entry-level officer roles in a multinational organization to contribute to financial growth and development.
Overview
4
4
years of professional experience
Work History
Credit Officer (Business Support)
Commercial Bank of Qatar
Doha
02.2024 - Current
- Analyzed financial statements to determine creditworthiness of applicants.
- Communicated with clients to gather necessary documentation for credit processing.
- Prepared detailed reports on credit decisions for internal review and compliance.
- Collaborated with team members to streamline credit approval processes.
- Maintained accurate records of all credit transactions and client interactions.
- Educated clients on credit policies and procedures during application process.
- Monitored outstanding loans to identify potential delinquencies and risks.
- Collected and checked borrower income, credit history and employment information.
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
- Followed banking requirements and government lending regulations.
- Reviewed credit applications to assess borrower eligibility and risk factors.
- Monitored transactions for suspicious activity using fraud detection tools.
- Processed account opening requests using proprietary banking software.
- Reviewed customer applications and supporting documents to ensure accuracy and completeness.
- Processed new account openings, including checking for compliance with Anti-Money Laundering rules.
Retail Telesales Advisor
Commercial Bank of Qatar
Doha
05.2023 - 01.2024
- Assisted clients with account inquiries and provided banking product information.
- Facilitated communication between departments to resolve customer issues effectively.
- Conducted research on market trends to support financial advisory services.
- Conducted follow-up calls to ensure customer satisfaction and loyalty.
- Utilized CRM software to track interactions and manage leads effectively.
- Maintained up-to-date knowledge of product offerings and market trends.
- Collaborated with team members to improve sales strategies and techniques.
- Broke down objections using friendly, persuasive strategies.
- Resolved customer complaints by escalating calls to proper department.
- Created reports on daily, weekly, monthly sales results for management review.
- Utilized CRM software to track progress of leads throughout the sales cycle.
- Engaged customers through phone calls to promote products and services.
HR Officer Intern
Schlumberger
Doha
09.2022 - 12.2022
- Coordinated recruitment processes including job postings and candidate screenings.
- Assisted in onboarding new employees and providing training resources.
- Managed employee records and maintained HR databases for accuracy.
- Facilitated performance review processes and collected feedback from managers.
- Implemented HR policies and ensured compliance with labor laws.
- Supported employee engagement initiatives to enhance workplace culture.
- Conducted exit interviews to gather insights on employee experiences.
- Maintained employee records such as contact information, attendance records, performance reviews and termination documents.
- Monitored adherence to employment laws within the organization.
- Prepared reports related to personnel activities including hiring, terminations, transfers and promotions.
- Reviewed resumes and applications for potential candidates.
- Managed employee relations issues such as grievances or complaints.
- Hired employees and processed hiring-related paperwork.
- Informed job applicants of duties and responsibilities, compensation, and benefits.
Insurance Telesales Agent
Doha Bank
Doha
07.2021 - 08.2022
- Conducted outbound calls to potential clients for financial product promotions.
- Assisted customers with inquiries about banking services and account management.
- Educated clients on banking policies, procedures, and product features effectively.
- Handled customer complaints and resolved issues to ensure satisfaction promptly.
- Provided feedback on customer preferences to support marketing initiatives and campaigns.
- Adhered to industry regulations when selling insurance policies.
- Maintained records of all client interactions and updated them regularly.
- Resolved customer complaints promptly and efficiently to ensure customer loyalty.
- Developed and implemented strategies to increase sales of insurance products.
- Exceeded assigned sales and retention targets each quarter by upselling insurance products.
- Provided leadership and training for new agents regarding industry best practices and company policies.
Education
BBA - Business Administration in Management and Minor in Marketing
Qatar University
Qatar05-2020
Secondary Education -
Doha British School
Qatar06-2016
International Baccalaureate Diploma Program -
Doha British School
Qatar05-2016
Secondary Education, IGCSE -
Doha British School
Qatar06-2013
Skills
- Great team player and excellent result-oriented independent individual
- Good decision-making skills
- Highly motivated and driven to achieve set goals and targets
- Proficiency in numerous computer applications like microsoft office : word, power point, excel
- Ability to multitask, able to handle multiple duties and responsibilities
- Excellent teamwork / interpersonal skills
- Proficiency in english language and excellent communication skills
- Leadership and management skills : planning, coordinating, assessing, analyzing
- Risk analysis
- Financial skills
- Report writing
- Credit analysis
- Financial reporting
- Fraud detection
- Risk assessment
- Client communication
- Customer relationship management
- Team collaboration
- Attention to detail
- Time management
- Problem solving
- Creditworthiness determination
- Financial acumen
- Organizational skills
- Administrative management
- Critical thinking
- Quality control
Languages
English, Advanced . IELTS
References
Available upon request
Timeline
Credit Officer (Business Support)
Commercial Bank of Qatar
02.2024 - Current
Retail Telesales Advisor
Commercial Bank of Qatar
05.2023 - 01.2024
HR Officer Intern
Schlumberger
09.2022 - 12.2022
Insurance Telesales Agent
Doha Bank
07.2021 - 08.2022
BBA - Business Administration in Management and Minor in Marketing
Qatar University
Secondary Education -
Doha British School
International Baccalaureate Diploma Program -
Doha British School
Secondary Education, IGCSE -
Doha British School
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