Alicia Dio, Mba Email and Phone Number

Achievements: Top Performer▪ Achieve assigned Sales Target set by the Sales Manager ▪ Promote, Offer and process the following Emirates NBD Retail Banking products: Credit Card, Personal Loan and Salary Accounts▪ Conduct Company/HR Visits, Company Listing and Sales Campaigns for EmiratesNBD▪ Adhere to the banks’ policies and procedures ensure 100% compliance in all executions in relation the Account Opening process and processing of Credit/Loan Applications.▪ Facilitate the… Show more Achievements: Top Performer▪ Achieve assigned Sales Target set by the Sales Manager ▪ Promote, Offer and process the following Emirates NBD Retail Banking products: Credit Card, Personal Loan and Salary Accounts▪ Conduct Company/HR Visits, Company Listing and Sales Campaigns for EmiratesNBD▪ Adhere to the banks’ policies and procedures ensure 100% compliance in all executions in relation the Account Opening process and processing of Credit/Loan Applications.▪ Facilitate the company empanelment process for leads generation and ensured highest level of customer Satisfaction▪ Prepare Sales Reports, activities and projections on pipelines. Show less

● Identify prospective customers, and refer them with borrowing, banking or more complex needs then perform end to end process of Account Opening and Credit/Loan application.● Provide advisory supports to the team to provide insights on the accuracy and consistency of decisions relative to risk strategies, policies, and appetite.● Develop and execute assigned regional business development strategy, sales targets, and sales results.● Develop internal and external networks and… Show more ● Identify prospective customers, and refer them with borrowing, banking or more complex needs then perform end to end process of Account Opening and Credit/Loan application.● Provide advisory supports to the team to provide insights on the accuracy and consistency of decisions relative to risk strategies, policies, and appetite.● Develop and execute assigned regional business development strategy, sales targets, and sales results.● Develop internal and external networks and referral sources to ensure ongoing growth of the business. ● Support the change management plans for new financial products and services; participated in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives.KEY ACCOMPLISHMENTS AND PORTFOLIO MANAGEMENT● Consistently achieved monthly sales targets with focus on the following Bank’s Products: Personal Loans, Credit Cards, Salary Accounts, Wealth/Insurance Products, Personal Accounts, Fixed Deposits, Priority Accounts, Gold Certificates and (FX) Foreign Exchange deals.● Exceeded expectation in cross selling of Mortgage Loans, Corporate and SME Accounts, Insurance/Investment products, Foreign Exchange Deals and Mashreq Millionaire Savings Certificates.● Ensured 100% compliance with credit policy by performing corresponding credit risk analysis for every loan applicant by retrieving the client’s credit report and analyzing their eligibility.● Made credit recommendations and unilateral decisions in accordance with sound credit-granting principles and in compliance with Corporate Policies & Standards, Business Banking Financing Guidelines, Policies & Procedures and Standard Operating Procedures.● Managed the risk associated with portfolio by maintaining a high quality of due diligence and attention to detail in fulfilling the sales and service of borrowing and non-borrowing products and services to clients and prospects. Show less

● Participated in defining the communication plan designed to positively influence or change behaviour; developed tailored messaging; and identified appropriate distribution channels.● Provided advice and support with a focus on unique and complex credit transactions; provided day-to-day technical support for team members. End to End processing of Account Opening and Credit/Loan applications. Assisted clients on the Digital Plaform and alternative channels provided by the bank such as… Show more ● Participated in defining the communication plan designed to positively influence or change behaviour; developed tailored messaging; and identified appropriate distribution channels.● Provided advice and support with a focus on unique and complex credit transactions; provided day-to-day technical support for team members. End to End processing of Account Opening and Credit/Loan applications. Assisted clients on the Digital Plaform and alternative channels provided by the bank such as Online Banking, Mobile Banking, Phone Banking and ATM machine services● Developed risk profiles, credit structuring of lending proposals, and completed credit investigations.● Examined individual transactions for the designated portfolio and aggregates portfolio information to monitor, analyze, and report on the quality of credit activities and risk-related decisions.● Maintains an awareness of marketplace products, practices, rates and changes to ensure branch capitalizes on competitive opportunities.● Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate. Show less

● Provided end to end processing of the following asset products : credit card and personal loan.● Cross sold the following products: mortgage loans, corporate and SME accounts, insurance/investment products, foreign exchange deals and savings certificates.● Performed corresponding credit risk analysis for every loan applicant by retrieving the client’s credit history and analyzed their eligibility for the proposed products.● Promoted the highest level of customer service and… Show more ● Provided end to end processing of the following asset products : credit card and personal loan.● Cross sold the following products: mortgage loans, corporate and SME accounts, insurance/investment products, foreign exchange deals and savings certificates.● Performed corresponding credit risk analysis for every loan applicant by retrieving the client’s credit history and analyzed their eligibility for the proposed products.● Promoted the highest level of customer service and responsiveness to retail customers.● Intelligently accessed the needs and problems of the existing customers and guided them in the best solution of their queries and concerns.● Monitored customers fund movement and identify where customers falls below criteria level.● Manage the full cycle of Account Opening/Credit Application and ensure seamless client experience.● Answer inquiries and provided accurate information about business banking products and services. Show less

● Solicit new to bank customers and offer suitable products to existing clients as per agreed Bank’s sales policy, strategy and targets.● Educated, diverted and introduced clients to the available digital platforms of the bank such as online banking, phone banking , mobile banking, express deposit machines, requests and transactions that can be done from the ATM machine.● Provided continuous update and information on the convenience of utilizing the facilities of the bank.● Achieved… Show more ● Solicit new to bank customers and offer suitable products to existing clients as per agreed Bank’s sales policy, strategy and targets.● Educated, diverted and introduced clients to the available digital platforms of the bank such as online banking, phone banking , mobile banking, express deposit machines, requests and transactions that can be done from the ATM machine.● Provided continuous update and information on the convenience of utilizing the facilities of the bank.● Achieved the assigned sales target provided by the Branch Manager, with focus on the following Bank’s Products : personal loans, credit cards, salary Accounts, wealth/insurance products, personal accounts, fixed deposits, priority accounts, millionaire certificates and (FX) foreign exchange deals.● Sourced and Processed personal account opening and ensured account opening procedures are strictly adhered to as per policies and guidelines for the following type of accounts: current/checking, savings, fixed deposits, priority and salary accounts. Show less

● Generated sales for the branch, within the branch’s catchment area.● Offered banks various products especially Personal loans, account openings, credit cards, auto loans, mortgage loans, bank assurance, SME accounts, savings and current Accounts and fixed deposits.● Adhered to the banks’ policies and procedures ensure 100% compliance in all executions in relation the Account Opening process and processing of Credit/Loan Applications.● Facilitated the company empanelment process… Show more ● Generated sales for the branch, within the branch’s catchment area.● Offered banks various products especially Personal loans, account openings, credit cards, auto loans, mortgage loans, bank assurance, SME accounts, savings and current Accounts and fixed deposits.● Adhered to the banks’ policies and procedures ensure 100% compliance in all executions in relation the Account Opening process and processing of Credit/Loan Applications.● Facilitated the company empanelment process and ensured highest level of customer satisfaction.● Delivered quality customer service to customers by attending to their queries and providing upfront solutions and updates, if the solutions cannot be provided same time. Show less

● Achieved sales targets on credit cards/balance transfers/easy payment plans.● Provided customer service delivery for walk in customers, accepted client service requests and forwarded them to the concerned department for processing.● Offered bank’s Premium Credit Cards to high net worth individuals, both salaried and self employed.● Cross sold bank’s products like auto loan, mortgage, insurance, deposit accounts, payroll accounts/salary transfer accounts, and personal loans.●… Show more ● Achieved sales targets on credit cards/balance transfers/easy payment plans.● Provided customer service delivery for walk in customers, accepted client service requests and forwarded them to the concerned department for processing.● Offered bank’s Premium Credit Cards to high net worth individuals, both salaried and self employed.● Cross sold bank’s products like auto loan, mortgage, insurance, deposit accounts, payroll accounts/salary transfer accounts, and personal loans.● Visited new and existing companies on the approved list and do Company empanelment.● Acted as a trusted advisor to assigned businesses and influence and negotiate to achieve objectives. Show less

● Supervised group of tellers and approved transactions/signed documents within approval authority limit.● Maintained and safeguarded branch cash in vault limits and ensured that the till limits are maintained, check till balance every start and end of the day.● Attended to the tellers’ cash requisitions and transfers, balancing of branch accounts, daily reconciliation of bank’s accounts etc.● Ensured operational efficiency thru proper implementation of bank policies and… Show more ● Supervised group of tellers and approved transactions/signed documents within approval authority limit.● Maintained and safeguarded branch cash in vault limits and ensured that the till limits are maintained, check till balance every start and end of the day.● Attended to the tellers’ cash requisitions and transfers, balancing of branch accounts, daily reconciliation of bank’s accounts etc.● Ensured operational efficiency thru proper implementation of bank policies and procedures.● Ensured that all in-clearing checks are balanced versus the totals for the day.● Process Trade Finance transactions (Letter of Credits, Letter of Guarantees, Corporate Accounts Limit Assignments ) Show less