MARIA REMEDIOS LOURDES DEL ROSARIO
Branch Head
Al Suwayeb,Dubai
Summary
Enterprising Branch Head successful in leading every facet of new and ongoing business operations. Strategic thinker and tactical decision-maker with passion for serving customers and exceeding expectations. Creative problem solver skilled at de-escalating situations and driving positive change.
Overview
15
15
years of professional experience
4
4
years of post-secondary education
Work History
Branch Head
Philippine Savings Bank
Carmona Cavite, Philippines
08.2016 - Current
- Forecasted trends and recommended improvements based on financial risk analyses.
- Boosted sales and customer loyalty through incentive programs.
- Closed average of 5 consumer loans per month.
- Increased overall annual sale 15% by incorporating several quality process improvements within branch.
- Developed and delivered polished sales presentations in order to highlight product and service quality.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Manages and supervises daily operations of the branch.
- ensure proper branch housekeeping
- In-charge i Branch Security, People Management, Risk and Compliance.
- Plan for the Strategic Marketing of the branch
- Performs Approval Authority for the branch.
- Ensure that Customer Service is one of the top priority.
Sales Officer
Philippine Savings Bank
Makati City, Philippines
12.2013 - 08.2015
- Forecasted sales and established processes to achieve sales objectives and related metrics.
- Enhanced sales operations through development of new sales strategies, cold calling techniques and customer follow-up
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Achieved dramatic sales increase by skillfully managing relationships and proactive sales approaches.
- Supervised, trained and mentored staff of 5, resulting in consistent team achievement.
- Directed sales support staff in administrative tasks to help sales reps close deals.
- Investigated competitive landscape to maintain currency on market and anticipate negative business impacts.
- Recommended and implemented strategic initiatives targeting new business to increase sales 15%.
Account Officer Indirect Mortgage Channel
Philippine Savings Bank
Makati City, Philiipines
07.2014 - 10.2014
- Received and processed Home Mortgage application.
- Worked with customers to understand needs and provide excellent service.
- Assist the Department Head in identifying Marketing opportunities in the target areas and making sales forecast/projections.
- Goes on a client call based on the assigned Developers to solicit Home Loan applications.
- Conducts regular visits to maintain and build the relationship with the developers, brokers and agents. Processes the accreditation of the non-accredited developers to broaden the leads and networks.
- Secures required credit application documents required for the loan evaluation from the borrower.
- Performs comprehensive analysis and evaluation on the credit worthiness of loan applicant.
- Prepare the Financial Package that is most appropriate to the client for presentation to the Credit Committee.
- Coordinates with Loans Operations/Credit Department for the completion of documentary requirements to effect prompt release of the loan proceeds.
Sales Officer
United Coconut Planters Bank
Makati City , Philippines
08.2011 - 12.2013
- Forecasted sales and established processes to achieve sales objectives and related metrics.
- Enhanced sales operations through development of new sales strategies, cold calling techniques and customer follow-up
- Collaborated with channel partners to identify and qualify mutually rewarding sales and business opportunities.
- Prepared sales reports with informative graphs and charts to outline key data.
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Gave benefit-oriented, polished presentations driving dramatic revenue growth across multiple sales channels.
- Researched target market and identified customers' unique needs to suggest suitable products.
- Directed sales support staff in administrative tasks to help sales reps close deals.
- Responded to customer needs by answering questions and providing detailed information about different Bank Products and Services
- Supervised, trained and mentored staff of 8, resulting in consistent team achievement.
- Achieved dramatic sales increase by skillfully managing relationships and proactive sales approaches.
- Established ambitious sales targets, managed deployment strategies and developed go-to-market plans to capitalize on every revenue opportunity.
Brach Operation Officer
United Coconut Planters Bank
Makati City, Philippines
02.2011 - 07.2011
- Developed and implemented performance improvement strategies and plans to promote continuous improvement.
- Collaborated with team members to achieve target results.
- Handled 10 calls per day to address customer inquiries and concerns.
- Increased customer satisfaction by resolving issues.
- In-charge in managing branch expense and making sure that we earn profit.
- Created plans and communicated deadlines to complete projects on time.
- Manages branch books/accounting.
- Answer queries by all units thru monitoring the emails.
- Managed team of employees, overseeing hiring, training and professional growth of employees.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Drove operational improvements which resulted in savings and improved profit margins.
- Received and processed stock into inventory management system.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Exceeded goals through effective task prioritization and great work ethic.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Management Development Program Trainee
United Coconut Planters Bank
Makati City , Philippines
07.2010 - 02.2011
- Participated in team-building activities to enhance working relationships.
- Worked within applicable standards, policies and regulatory guidelines to promote safe working environment.
- Improved operations through consistent hard work and dedication.
- Maintained excellent attendance record, consistently arriving to work on time.
- Collaborated with team members to achieve target results.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Exceeded goals through effective task prioritization and great work ethic.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Prepared variety of different written communications, reports and documents.
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record.
Sales Associate
United Coconut Planters Bank
Makati City, Philippines
03.2007 - 06.2010
- Assist clients in account opening.
- Prepared documents for loans and account opening.
- Engaged with customers to build rapport and loyalty.
- Maintained records related to all bank products and services availed by the clients.
- Practiced due diligence while performing KYC.
- Educated clients on current promotional offerings and products using persuasive selling tactics.
- Trained and developed new hires in company processes, product knowledge, customer service and selling techniques.
- Maintained customer satisfaction with quick and professional handling of all Bank Products and Services.
Customer Service Associate
United Coconut Planters Bank
Makati City, Philippines
02.2006 - 02.2007
- Processed deposits, withdrawals, encashments, FOREX, RTGS and other over the counter transactions for clients.
- Processed payrolls for Bank clients with Payroll Agreement.
- Developed and actualized customer service initiatives to decrease wait times.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Demonstrated items to customers and created customer awareness, interest and sales.
- Informed clients about bank promotion on investment rates.
- Addressed and assisted clients in their concern with their accounts.
- Assisted Bank Cashier in making sure that the cash is balanced.
- Processed customer adjustments to maintain financial accounts.
Education
Bachelor of Science - Major in Computer Science
Centro Escolar University
Manila, Philippines 06.2001 - 03.2005
Skills
Business development expertise
undefinedTimeline
Branch Head
Philippine Savings Bank
08.2016 - Current
Account Officer Indirect Mortgage Channel
Philippine Savings Bank
07.2014 - 10.2014
Sales Officer
Philippine Savings Bank
12.2013 - 08.2015
Sales Officer
United Coconut Planters Bank
08.2011 - 12.2013
Brach Operation Officer
United Coconut Planters Bank
02.2011 - 07.2011
Management Development Program Trainee
United Coconut Planters Bank
07.2010 - 02.2011
Sales Associate
United Coconut Planters Bank
03.2007 - 06.2010
Customer Service Associate
United Coconut Planters Bank
02.2006 - 02.2007
Bachelor of Science - Major in Computer Science
Centro Escolar University
06.2001 - 03.2005
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