MARIA CHARISMA ABAO
Dubai
Summary
Highly motivated and detailed cashier with 3 years of experience processing transaction accurately and efficiently in a fast paced supermarket. Skilled in POS system, cash handling and providing exceptional customer services.
Overview
13
13
years of professional experience
Work History
Cashier/Cashier in charge
Aswaaq Retail LLC Dubai, UAE
05.2018 - 01.2021
- Accurately process customer transactions including scanning items, handling cash, credit card and other payment methods.
- Assist customers for merchandise return, refund and exchange.
- Inform customer’s promotion and special offer.
- Manage cash handling procedures including counting and reconciling cash drawers, cash in vault and resolving discrepancies.
- Generate Reports at the end of the day and prepare daily cash sales for bank deposit.
Loan Specialist & Loan billing
East West Rural Bank, Inc., Philippines
02.2016 - 01.2018
- Entertains client’s queries of the loan products of the bank, loan requirements and other information regarding of loans.
- Assess loan applications, analyzing creditworthiness, income documentation, and collateral
- Present the loan application of the borrower with the amount applied to the loan committee for the final approval.
- Process loan application of the clients after the approval of loan committee officers.
- Collect loan payment and follow up past due clients.
- Received batch payments, balancing and posting to the system.
Teller
East West Rural Bank, Inc., Philippines
02.2013 - 01.2016
- Responsible for the handling processing of deposits, withdrawal, check account, loan release, loan of payments and atm card.
- Count and balance cash at the beginning and end of the day and maintain accurate records of all cash related transaction.
- Assist customers with account inquiries, issues and other services.
- Receive and verify payments for loans, utility bills and other services.
- Perform as branch cashier when branch cashier is not available.
- Filling out customer documents and securely storing them for compliance and audit purposes.
Account Assistant
Green Bank (Rural Bank) Philippines
06.2008 - 10.2013
- Entertains client’s queries of the loan products of the bank, loan requirements and other information regarding of loans.
- Assess loan applications, analyzing creditworthiness, income documentation, and collateral
- Present the loan application of the borrower with the amount applied to the loan committee for the final approval.
- Process loan application of the clients after the approval of loan committee officers.
- Acts an alternate Branch Credit Committee member in the absence of Accounting Specialist.
- Received loan payment and posted to the system.
- Generate weekly reports and monthly reports.
Education
Bachelor of Science in Commerce - Major Management
Gingoog City Junior College
Gingoog City03-2008
Skills
- Ability to work multi-task and remain organized
- Data Entry and Data Management
- Time management skills
- Good customer service skills
- Cash handling skills
Trainings/Seminars Attended
- Teach and Train for Loan Specialist and Store Billing Staff – June 2016
- Teach and Train for Teller– March 2014
- Anti-Money Laundering Act (AMLA) – July 2013
- Food Hygiene training
- Customer Service Training
Languages
English
Intermediate (B1)
Tagalog
Intermediate (B1)
Timeline
Cashier/Cashier in charge
Aswaaq Retail LLC Dubai, UAE
05.2018 - 01.2021
Loan Specialist & Loan billing
East West Rural Bank, Inc., Philippines
02.2016 - 01.2018
Teller
East West Rural Bank, Inc., Philippines
02.2013 - 01.2016
Account Assistant
Green Bank (Rural Bank) Philippines
06.2008 - 10.2013
Bachelor of Science in Commerce - Major Management
Gingoog City Junior College