Sales Customer Service

SAIF JOHAR

***** ******** **** ****** ******, MD 20901

Tel: 510-***-**** *********@*****.***

TD Bank, Washington, DC

Oct

**** ** *******

Vice President, Branch Manager (Business Development Officer)

. Manages a large branch, according to the Bank's criteria, with less

complex transactions and Customer needs

. Manage the branch and Lead a team of specialized employees, help and

develop them for success, including performance management, career

development and recognition

. Negotiate and influence in the branch, with Business Partners and

across the Region. Identifies when change may be needed; may require

assistance in planning, strategizing and in executing change

. Develops new channels of business for the Bank in order to generate

Deposits, Loans and Lines of Credit

. Attends networking events in order to generate new relationship

. Represent Bank through Community and professional involvement in

groups and associations to develop contacts for potential business

. Creates and maintains relationships with Centers of Influence (COI's)

in order to create a continual pipeline of new business opportunities

. Responsible for managing the monthly branch budget

. Manage the staffing and interview the candidates and search for the

talent as necessary

. Responsible for business development in geographic area

. Establish working partnership with realtors, brokers, commercial real

estate agents, and other COI's

. Develop, implement and lead retail banking strategies for the branch

. Partner with other lines of business such as small business

relationship managers, wealth management team, mortgage, merchant

services, payroll, bank at work, SBA, Global exchange and treasury

management services as applicable

. Lead with focus on sales and service, coaching of employees on daily

basis

. Service and sell to clients via escalations or complex sales referred

by bankers, and participate in sales calls with small business and or

other business partners

. Serve as a community leader for the bank

. Responsible for service levels and operational excellence in the

branch

. Manage risk and compliance for the branch

SunTrust Bank, Reston, VA May 2011 to Oct 2012

Vice President, Business Relationship Manager

. Responsible for generation and management of a profitable loan and

deposit portfolio and non-interest income from businesses with annual

sales of $1 - 10 MM through the development and retention of long

term, profitable client relationships

. Responsible for the management of an assigned portfolio of business

and mixed household accounts

. Manage the credit process for all loan exposure between $100k and $2.5

million

. Manage the credit process of SBA's (7a, 504 and Express)

. Retains and strengthens current relationships and seeks to develop new

business through various channels such as cross-sales, prospecting,

personal contacts, networking, e-communication, cold-calls and working

referrals

. Actively participate in various sales campaigns in GWDC market

. Exceeded sales goals in business deposits, business loans, treasury

services and referrals

. Partner with the branch managers and branch teammates on joint

calling, best practices, educate branches on commercial banking

products and share the feedback on their existing referrals

. Work with all other bank partners as necessary to drive the result

Wells Fargo Bank, Washington, DC

March

2009 to May 2011

Assistant Vice President, Branch Manager

. Responsible for contributing to the successful operation of the branch

through quality leadership, customer service, risk management and

sales

. Directing staff to maximize resources and achieve service and sales

goals, through training and problem resolution

. Responsible for ensuring compliance with audit and operational

regulations and guidelines

. Actively sold and serviced new and existing customers as needed

. Manages retail sales and service function

. Trains and coaches a successful sales team

. Overall responsible for branch performance

. Help each individual team member to succeed their performance goals

. Work with all business partners to achieve 100% of business

. Focus on 100% service and sales performance

. Help all bankers and tellers to coach them for cross-sell

. Prepared paperwork for annual and quarterly audits

Wells Fargo Bank, Berkeley, CA April 2006 to March 2009

Business Banker

. Provide a full range of business banking services to customers

(business owners) with an emphasis on business products.

. Actively cross-sell additional business products such as loans and

cash management products through referrals to partners

Outbound calling with the goal of acquiring 100% of customers' financial

services business

. Develop and maintain relationships with Wells Fargo partners to

maximize sales opportunities

. Consistently achieved performance rating of "2" in region

. Coordinate with small businesses to fulfill their business financial

needs

. Coordinate with personal bankers and tellers and coach them for cross

sell

. Open new business accounts, business loans, business lines, business

credit cards, equipment loans, commercial loans, merchant services,

payroll services and all other services which bank provides to small

and medium size businesses

Wells Fargo Bank, Berkeley, CA March 2005 to April 2006

Assistant Branch Manager

. Oversaw, assisted, and mentored the work of all bankers and tellers

. Opened new business and personal accounts, sold home equity products,

personal loans, and lines of credit

. Responsible for cash handling, cash details, vault balancing, cash

shipment and cash ordering

. Provided multiple daily reports to upper management

. Responsible for opening and closing branch on daily basis

. Followed-up with bankers and tellers as needed

Wells Fargo Bank, Berkeley, CA October 2004 to February 2005

Personal Banker

. Sold retail banking products and services to customers and prospects.

. Managed customer portfolio, serviced relationships and cross-sold all

products and services

. Provided broad base of financial and credit services with the goals of

acquiring 100% of the customers' business

. Developed and maintained relationships with Wells Fargo partners to

maximize sales opportunities and achieve minimum sales standards

. Used profiling analysis tools to identify cross-sell opportunities and

made outbound sales calls to increase product per customer ratio

Also handled cash transactions

Wells Fargo Bank, Berkeley, CA

July 2004 to

October 2004

Customer Sales & Service Representative

. Provided prompt quality customer service and support to bankers and

store management.

. Performed wide range of services including document preparation,

account servicing/maintenance (account reconciliation, address change,

stop payments, account closings, transfers, notary, processing check

orders), and problem resolution.

. Solicited new accounts and cross-sell products and services.

. Performed follow-up on teller referrals. Opened new accounts, credit

cards, credit lines and all other consumer products.

Standard Chartered Bank, Lahore, Pakistan August 2002 to December 2003

Marketing Manager

. Development and distribution of sales campaign sales readiness

guides/tools, team members, bankers and other partners coaching and

skill effectiveness tools, team member recognition/events, region-wide

meeting and event coordination

. Developed, introduced and generated more business within target market

. Development and execution of advertising, sponsorships, and community

activities to include the development of local ads and marketing

materials to support sponsorships and community activities

. Managed the sales team of 20 sales executives in targeted market

. Managed the marketing of numerous bank products

The International University, Lahore

July 2000

Bachelor of Business Administration in Marketing & Management

Languages

. English, Hindi, Urdu and Punjabi

PROFESSIONAL EXPERIENCE

EDUCATION

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