Honey "Hannah" Singh

• Perform full-service banking services to new and existing customers within the branch, with a primary focus on sales and service. Duties include new accounts, consumer loans, and performing client services issues.
• Resolve client concerns through direct personal action or by referring clients to an alternative bank department resource.
• Be responsible for making appropriate referrals for other bank products and services, including commercial lending products, wealth management, treasury management products & mortgage loans.
• Opening or updating accounts, originating and closing consumer or small business loans.
• Establishing, expanding and maintaining a strong customer relationship by providing extensive, personalized service focused on the specific needs of each banking customer.
• Taking applications for Home equity line of credit, auto loans, personal loans, business loans including SBA loans, business & personal credit cards. Collecting the loan documents from the clients and coordinating with the loan officer, answering any queries from the client during the whole process and closing the loans.

• Acquiring new business and consumer clients, retention of existing relationships by catering to their financial needs and advising various financial products to them according to their skills.
• Working closely with the Banking Center, Customer Contact Center, Merchant, Business Banking partners and other leadership to deliver an integrated and seamless banking experience.
• Fostering relationships with clients to fully understand their life priorities, identify and recommend solutions to help clients achieve their financial goals.
• Educating the clients about different banking products and services like merchant services, payroll services, business loans, credit cards, savings account, mortgages, auto loans and collaborating with other business partners to ensure the customer gets best of the services and products as per their business and personal needs.

I started working in State Bank of India as Specialist Management Executive Scale III and was working in Corporate banking in the international banking department. I was handling accounts of large corporations which were having business of more than 5 million dollars. I was looking after Imports section and my job profile included the following:

• Issuance of letter of credit
• Checking and reviewing documents presented under L/C or documentary collection.
• Advising discrepancies to foreign banks via SWIFT.
• Coordinating with clients & International banks regarding their queries & concerns.
• Assisting the sales team to enhance relationships with customers & increase business.
• Meeting with Corporate clients and other bank's employees.

In 2014, I started working as Branch Head, where my job was to increase branch profitability, monitoring branch balance sheet, supervising service operations manager, hiring sales team, increasing sales, sanctioning loans & monitoring branch reports.

As a relationship manager I was looking after portfolio management of high net worth clients, acquisition of new savings & business accounts, servicing of NRI clients, international remittances and investments in bonds. My Job responsibilities included the following:

• Retirement planning: Investment planning for high net worth clients which included different investment products like mutual funds, certificate of deposits, corporate deposits & corporate bonds as per the clients age and requirements.
• Education planning: Helping the clients to formulate a plan so as to plan for their kids education funds in different financial instruments.
• Insurance planning: Advising the clients about the importance of life insurance and general insurance as per the clients requirement and financial needs.
• Tax planning: Helping the clients to maximize their savings by investing in different tax saving instruments like tax saving mutual funds, insurance products, capital gain bonds.
• Mortgages: Advising the clients about various options for mortgages as per the financial requirement of the client. Helping the clients to save for initial down payment for the mortgages by providing them with different savings options. Refinancing existing loans in case the interest rates are in favor of the clients.