Summary
Work History
Education
Skills
Languages
Timeline
Hi, I’m

FNU BILAL

Albany

Summary

Experienced banking professional with superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies. Familiar with diverse banking and investment products, deposit accounts and loans. Competent in setting up services, transferring funds and helping with complex transactions. Positive and upbeat with strong communication and problem-solving abilities. Enthusiastic candidate with extensive experience in customer service and cash handling at banks or money lending institutes. Strong knowledge of offered banking services and products. Reliable and honest professional dedicated to meeting scorecard goals by processing high volumes of error-free transactions. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.

Work History

Citizens Bank

Teller Supervisor
07.2023 - Current

Job overview

  • Maintained strong knowledge of bank products, services, procedures and regulatory requirements to assist staff members with questions and difficult or complex tasks.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Counted cash drawers and made bank deposits.
  • Promoted bank's products and services by consistently cross-selling to customers.
  • Researched and resolved customer issues on personal savings, checking, and line of credit accounts.
  • Maintained friendly and professional customer interactions.
  • Monitored and verified suspicious activity on customer accounts.
  • Referred customers to other banking departments for specialized services.
  • Cross-sold credit cards, loans and other bank products.
  • Established rapport with new clients to increase satisfaction and loyalty.

National Bank Of Pakistan

Assistant Credit Manager
03.2019 - 01.2023

Job overview

  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Developed strategies to expedite payments and customer resolutions.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Reviewed and analyzed loan procedures.
  • Provided training and consulted with struggling teams to help meet monthly target goals.
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Optimized credit approval and collection processes, improving operational efficiencies.

Bank Of Punjab

Branch Manager
01.2016 - 01.2019

Job overview

  • Maintained friendly and professional customer interactions.
  • Assessed employee performance and developed improvement plans.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Engaged employees in business processes with positive motivational techniques.
  • Complied with regulatory guidelines and requirements.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Consulted customers to boost product sales and services.
  • Resolved various issues impacting sales management and business operations.
  • Generated financial and operational reports to assist management with business strategy.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.

Education

University of Punjab
Canal Rd, Quaid-i-Azam Campus, Lahore, Punjab, Pak

Bachelor of Science from Software Eng
01.2016

University Overview

Skills

  • ATM Balancing
  • Consumer Banking
  • Customer Referrals
  • Business Development
  • Staff Management
  • Supervising Tellers
  • Customer Engagement
  • Teller Transactions
  • Resolving Customer Issues
  • Product and Service Sales
  • Phone Inquiries
  • Bank Deposits
  • Information Processing

Languages

Arabic
Full Professional
Urdu
Native or Bilingual
English
Full Professional

Timeline

Teller Supervisor
Citizens Bank
07.2023 - Current
Assistant Credit Manager
National Bank Of Pakistan
03.2019 - 01.2023
Branch Manager
Bank Of Punjab
01.2016 - 01.2019
University of Punjab
Bachelor of Science from Software Eng
FNU BILAL