ANGELA HALIMBAWA
Abu Dhabi,United Arab Emirates
Summary
Accomplished professional with extensive expertise in loan processing and CRM software usage, demonstrating a strong understanding of banking services and regulations compliance. Proven track record in achieving targets and excelling in credit scoring, wealth management, and MI reporting. Adept at leading teams with a focus on ethical standards adherence and interpersonal savvy. Career aspirations include advancing within the banking sector to leverage skills in Excel proficiency and team leadership for enhanced organisational success.
Overview
8
8
years of professional experience
2019
2019
years of post-secondary education
1
1
Certification
Work history
BANK RELATIONSHIP OFFICER
EMIRATES NBD (M and M Marketing Management LLC)
Abu Dhabi, UAE
07.2023 - 06.2025
- Assisted customers to open, manage and optimise their bank accounts.
- Expert in facilitating loan buyouts and settlements, optimizing client financial transitions.
- Executed aggressive cold calling initiative resulting in expanded customer base.
- Proficient assessing clients' financial health by calculating Debt Burden Ratio (DBR) and reviewing credit bureau data.
- Successful in cross-selling ENBD Products, markedly boosting customer satisfaction and revenue.
- Initiated and led sales meetings, tailoring proposals to address individual client requirements.
- Oversaw meticulous collection of essential documents, including KYC and application forms, to ensure seamless transaction execution.
- Organised client meets for fostering stronger business relations.
RELATIONSHIP OFFICER - BRANCH BANKING & FIELD SALES
DEEM FINANCE LLC
Abu Dhabi, UAE
01.2020 - 06.2023
- Demonstrated expertise in presenting key financial offerings, notably Personal Loans and Credit Cards, to prospective clients.
- Drove business expansion by capitalizing on existing client networks, securing referrals, and participating prominently in industry events.
- Undertook client visits for critical document collection, including KYC with OSV, Application Forms, and SPDCs.
- Provided exceptional support to Deem branch clients, coordinating service calls and facilitating issue resolution in collaboration with call centre representatives and the branch manager.
- Collaborated with team members for successful promotional campaigns.
SALES ASSOCIATES/ NEW ACCOUNTS
UNITED COCONUT PLANTERS BANK
Manila, Philippines
01.2019 - 06.2019
- Expertly manage the opening of various account types including Individual, Joint, Checking, FCDU (Foreign Currency Deposit Unit) Dollar, Corporate, and Payroll accounts.
- Efficiently execute Time Deposit transactions such as placements, roll-overs, renewals, terminations, and pre-terminations.
- Diligently compile and input new account data into computer systems, ensuring accurate record-keeping and filing of necessary documentation.
- Drive product cross-selling by proactively responding to inquiries, promoting new services, identifying customer needs, and referring clients to appropriate branch representatives.
- Process and facilitate the issuance of bank certifications and account statements upon request.
- Administer corporate payroll accounts, ensuring seamless financial operations for business clients.
- Oversee inward clearing checks, perform signature verifications, engage with customers on rejected checks, and validate transaction authenticity.
BANK TELLER/ CUSTOMER SERVICE ASSOCIATE
UNITED COCONUT PLANTERS BANK
Manila, Philippines
06.2018 - 01.2019
- Expertly executed bank transactions, including deposits, withdrawals, and check encashments, while promoting financial products and services.
- Efficiently processed maturity payouts and terminations for Certificates of Time Deposit (CTD), Money Market, and Trust accounts.
- Skillfully issued Manager's Checks (MC) and managed payment slip transactions, ensuring client satisfaction.
- Diligently prepared Official Receipts for loan repayments, contributing to the bank's financial integrity.
- Accurately encoded foreign currency transactions and invisibles sales in the Reuters Trade Access System, demonstrating attention to detail.
- Seamlessly handled Bureau of Internal Revenue tax payments, encoding and reporting to ensure compliance with government regulations.
JUNIOR ACCOUNTANT
PROPLE BPO, INC.
Manila, Philippines
10.2017 - 01.2018
- Maintaining accounts receivable, document bills and supporting documents.
- Maintaining accounts payable, ensure timely payment of invoices.
- Updating financial records via accounting software.
- Ensured accurate data entry for accounting systems.
Education
BACHELOR OF SCIENCE - BUSINESS ADMINISTRATION MAJOR IN BANKING AND FINANCE
JOSE RIZAL UNIVERSITY
MANILA, PHILIPPINES June 2014 - 05.2018
Skills
- Loan processing expertise
- CRM software usage
- Knowledge of banking services
- Target achievement
- Banking regulations compliance
- Credit scoring knowledge
- Excel proficiency
- Wealth management
- MI reporting
- Interpersonal savvy
- Team Leadership
- Ethical standards adherence
Certification
- Certificate of Recognition (Personal Loan & Credit Card); Emirates NBD - M&M Marketing Management, (June & August 2024)
- Anti-Money Laundering and Other Regulatory Awareness, United Coconut Planters Bank Philippines, (07/01/2018)
- Signature Verification and Forgery Detection, United Coconut Planters Bank Philippines, (07/01/2018)
- Counterfeit Detection of the Philippine Peso, US Dollar and Third Currencies, SMX Convention - Jose Rizal University Philippines, (01/01/2018)
- National Finance Summit: The Power of Financial Inclusion, Jose Rizal University Philippines, (09/01/2017)
- Capital Market, Jose Rizal University Philippines, (09/01/2017)
- Financial Executives Leadership Training Seminar, Jose Rizal University Philippines, (02/01/2015)
- Leadership: Towards Effective Action Team, Jose Rizal University Philippines, (02/01/2015)
Languages
English
Fluent
Filipino
Native
References
NIKHILESH JAMWAL
Emirates NBD (M&M Marketing Management)
Phone Number: +971 55 425 9511
VISHAL RAOCHOWHAN
Deem Finance LLC
Phone Number: +971 55 839 3351
Timeline
BANK RELATIONSHIP OFFICER
EMIRATES NBD (M and M Marketing Management LLC)
07.2023 - 06.2025
RELATIONSHIP OFFICER - BRANCH BANKING & FIELD SALES
DEEM FINANCE LLC
01.2020 - 06.2023
SALES ASSOCIATES/ NEW ACCOUNTS
UNITED COCONUT PLANTERS BANK
01.2019 - 06.2019
BANK TELLER/ CUSTOMER SERVICE ASSOCIATE
UNITED COCONUT PLANTERS BANK
06.2018 - 01.2019
JUNIOR ACCOUNTANT
PROPLE BPO, INC.
10.2017 - 01.2018
BACHELOR OF SCIENCE - BUSINESS ADMINISTRATION MAJOR IN BANKING AND FINANCE
JOSE RIZAL UNIVERSITY
June 2014 - 05.2018
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