Summary
Overview
Work History
Education
Skills
Key Qualifications
Timeline
Generic

Hridoy Rozario

Wethersfield

Summary

Experienced professional with 9 years of experience in client services, sales, colleague training, and management. Proven expertise in debt collection, loan negotiation, and handling confidential information. Skilled at driving success and ensuring compliance with regulations. Seeking a challenging role to contribute to an organization's success by leveraging expertise in banking and risk management.

Overview

6
6
years of professional experience
4
4
Languages

Work History

Personal Banker

ION Bank
02.2024 - Current
  • Executed Accurate Financial Reconciliations: Managed end-of-day balancing for teller transactions, ATM settlements, and internal ledger reviews. Investigated account discrepancies through detailed audits and ensured compliance with FDIC and ION Bank policies.
  • Delivered Customized Lending and Deposit Solutions: Conducted in-depth financial reviews to identify client needs and recommend suitable banking products, including personal loans, home equity lines of credit, mortgages, and savings plans to optimize lending outcomes.
  • Led Teller Training and Operational Onboarding: Provided hands-on training to new and existing teller staff on regulatory compliance, internal controls, cash handiling procedures, and compliance with auditing requirements.
  • Assisted in Budget Oversight and Internal Controls: Partnered with the branch manager to monitor departmental expenses, forecast monthly budgets, and implement controls to limit financial loss.
  • Mitigated Client Credit Risk Through Portfolio Review: Analyzed client portfolios to assess risk exposure related to consumer loans and credit lines. Recommended restructuring options such as term extensions, rate reductions, and debt consolidation strategies, improving loan repayment performance and reducing delinquency rates.

Risk Management Specialist

Artisan Repair Builds LLC
05.2022 - 02.2024
  • Performed Comprehensive Risk Assessments on Financial Portfolios: Conducted quantitative analyses of client financial data to evaluate risk exposure in areas such as credit, market, and operational risk.
  • Streamlined Risk Reporting Processes: Performed monthly and quarterly financial performance analyses, preparing automated reports for senior management that highlighted portfolio risks and investment performance, which in turn reduced manual errors and improved operational efficiency.
  • Collaborated with portfolio managers to Optimize Portfolio Performance: Worked closely with portfolio managers to analyze key metrics such as Return on Investment (ROI), loan risk exposure, and operating cash flow to identify underperforming assets and assist on reallocation strategies that improved portfolio yield.
  • Supported Internal Audit and Compliance Initiatives: Compiled and analyzed financial data working alongside accounting teams to support audit trails and compliance documentation. Prepared detailed audit reports highlighting insights into risk exposure and mitigating strategies.

Relationship Banker

KeyBank
05.2021 - 01.2023
  • Delivered Comprehensive Financial Consultations: Met with clients to assess financial goals and advised on personal banking solutions, including checking/savings accounts, credit cards, auto loans, and retirement options.
  • Conducted Daily Audits and Transaction Reviews: Performed daily audits of financial transactions, ensuring that all cash and electronic payments were accurately processed and recorded in the general ledger.
  • Provided Debt Counseling and Loan Support: Engaged with clients on debt management strategies, offering financial advice on debt consolidation, loan repayment, and payment negotiation.
  • Built Long-term Client Relationships: Fostered trust through active listening and proactive follow-ups.

Risk Management Project Controller

Northern at Preservation Service LLC
02.2019 - 05.2022
  • Managed the accounting processes for a portfolio of preservation service projects, overseeing budget forecasting, financial planning, and cash flow management.
  • Prepared financial statements, budget variance reports, and performance metrics for senior management, ensuring alignment with financial goals.
  • Collaborated with the finance team to ensure accurate recording of financial transactions, adherence to accounting principles, and compliance with tax regulations.
  • Implemented cost-saving initiatives, resulting in a 30% increase in profitability through effective financial planning and expense management.
  • Oversaw the company's debt collection process, analyzing delinquent accounts, initiating contact with debtors, and negotiating payment terms to optimize cash flow.
  • Supported the company’s compliance with local and federal financial regulations by maintaining accurate financial records and working with external auditors during financial audits.

Education

Bachelor of Business Administration - Marketing

Royal University of Dhaka
Dhaka, Bangladesh

Skills

Customer service

Branch operations

Banking

Cross-selling and upselling

Key Qualifications

  • Fluent in English, Bengali, Urdu, and Hindi.
  • 9+ years of experience in client services and customer relations.
  • 8+ years of experience in sales within the retail and banking industries.
  • Strong organizational, multi-tasking, and leadership skills.
  • Proficient in Microsoft Office Suite and computer data entry.
  • Excellent analytical, quantitative, and communication skills.
  • Proven ability to work collaboratively in teams while solving complex problems.

Timeline

Personal Banker

ION Bank
02.2024 - Current

Risk Management Specialist

Artisan Repair Builds LLC
05.2022 - 02.2024

Relationship Banker

KeyBank
05.2021 - 01.2023

Risk Management Project Controller

Northern at Preservation Service LLC
02.2019 - 05.2022

Bachelor of Business Administration - Marketing

Royal University of Dhaka

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Hridoy Rozario