Shalika AR RAZI
Katy,TX
Summary
Results-driven banking and business professional with 12+ years of experience across financial services, project coordination, and client relationship management. Adept at developing impactful business reports, supporting cross-functional teams, and driving operational efficiency. Proven ability to manage portfolios, deliver tailored financial solutions, and enhance customer satisfaction through strategic engagement and compliance excellence.
Overview
2026
2026
years of professional experience
Work History
Sr. Specialist Business Management
Santander Bank US
04.2025 - Current
- Selected as one of 15 participants out of 80 applicants in the Retail Banking Transformation Career Exchange Program, where employees assist back-office departments and senior leaders in high priority initiatives, while learning and developing new skills and proficiencies
- Worked with the Frontline Operational Readiness team to meet with workstreams, gather data, and manage incidents for Readiness and Hypercare initiatives
- Participated with Internal Validation Launch for Open Bank, outgoing wires enhancement and Cd’s.
- Supported the Digital team by updating operating models, preparing PowerPoint presentations, updating SharePoint files, Excel spreadsheets, and taking detailed notes during working group meetings using One Notes and email.
- Assisted Project Managers through regular connects with workstream leads, data gathering, and execution of administrative tasks to ensure SLA's are met
- Participated in KYC, Client Lifecycle Management Program through outreach to customers to stay compliant with government regulations and reviewing Appian cases
Sr. Specialist Relationship Banker
Santander Bank US
09.2022 - 04.2025
- Developed and maintained strong client relationships by delivering personalized financial solutions across banking, borrowing, and investment services
- Achieved and exceeded sales targets through effective cross-selling of Santander’s products and services
- Proactively sourced new clients via outbound calls, referrals, lobby engagement, and community outreach
- Used consultative techniques to understand customer goals and create tailored financial strategies
- Ensured seamless customer experience by connecting clients with appropriate specialists for complex needs
- Educated customers on digital banking tools and self-service technologies to enhance engagement
- Participated in weekly team meetings and joint calls to drive collaboration and branch performance
- Managed risk in all transactions by adhering to Santander’s compliance policies and leveraging available tools
- Documented customer interactions and identified service trends to improve overall satisfaction and loyalty
Loan Officer
Small Business Administration
10.2021 - 05.2022
- Collects and reviews required customer financial information to assess eligibility and risk
- Structures SBA loan proposals tailored to client needs and program requirements
- Completes initial underwriting and prepares credit packages that comply with all applicable regulations and SBA guidelines
- Conducts financial analysis of business plans, tax returns, and cash flow statements to determine creditworthiness
- Builds strong relationships with borrowers, underwriters, and referral partners to facilitate loan approvals
- Maintains up-to-date knowledge of SBA products, policies, and regulatory changes to ensure accurate guidance
- Collaborates with internal teams to ensure timely loan closings and post-funding support
Scotiabank Trinidad and Tobago
- Provided tailored financial advice and solutions to individual and small business clients
- Assisted customers with account openings, loans, mortgages, and investment products
- Promoted banking services and cross-sold products to meet client needs and branch targets
- Identified potential fraud and resolved disputes to maintain account integrity
- Built long-term relationships through excellent service and financial guidance
- Contacted clients to recover overdue payments via phone, email, and written correspondence
- Negotiated payment plans and settlements to resolve outstanding debts
- Investigated account discrepancies and collaborated with legal teams when necessary
- Maintained accurate records of collection efforts and updated customer databases
- Served as the first point of contact for customer inquiries, complaints, and service requests
- Provided detailed product and service information to assist customer decision-making
- Processed orders, returns, and account updates with accuracy and efficiency
- Documented customer interactions and feedback to improve service delivery
- Assessed client needs and recommended suitable insurance products
- Explained policy features, benefits, and exclusions to ensure informed decisions
- Handled policy renewals, claims support, and administrative tasks
- Developed new business through networking and lead generation
- Stayed current on industry regulations and product updates to maintain compliance
- Processed daily financial transactions including deposits, withdrawals, and loan payments
- Balanced cash drawers and reconciled discrepancies at shift end
- Educated customers on bank products and services to enhance financial literacy
- Delivered exceptional customer service in a fast-paced banking environment
Personal Banking Officer
01.2020 - 10.2021
Collections Agent (Part-time Assignment)
06.2020 - 01.2021
Customer Service Officer
10.2016 - 12.2019
Insurance Advisor
03.2015 - 09.2016
Bank Teller
05.2013 - 02.2015
Education
Bachelor Of Business Administration - Entrepreneurial Management
Australian Institute of Business
Trinidad And Tobago 07.2018
Caribbean Secondary Education Certificate - Business Studies
Caribbean Examinations Council
Trinidad And Tobago06.2007
Skills
- Innovation management
- Analytical thinking
- Documentation management
- Customer relations
- Team collaboration
- Continuous improvement
- Risk management
- Operational enhancement
- Problem-solving
- Relationship building
- Time management
- Team building
- Process improvement
- Attention to detail
- Problem-solving abilities
- Operational efficiency
- Customer relationship management
- Adaptability
- Market research
Affiliations
EmpowHer
Bold
Thrive
Timeline
Sr. Specialist Business Management
Santander Bank US
04.2025 - Current
Sr. Specialist Relationship Banker
Santander Bank US
09.2022 - 04.2025
Loan Officer
Small Business Administration
10.2021 - 05.2022
Collections Agent (Part-time Assignment)
06.2020 - 01.2021
Personal Banking Officer
01.2020 - 10.2021
Customer Service Officer
10.2016 - 12.2019
Insurance Advisor
03.2015 - 09.2016
Bank Teller
05.2013 - 02.2015
Scotiabank Trinidad and Tobago
Bachelor Of Business Administration - Entrepreneurial Management
Australian Institute of Business
Caribbean Secondary Education Certificate - Business Studies
Caribbean Examinations Council
Top Performer 2023
Recognized as a Top Performer Relationship Banker at Santander for consistently exceeding sales and service goals, delivering exceptional client experiences, and building strong, lasting customer relationships through personalized financial solutions and proactive account management.
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