Sales Customer Service
Resume:
Home: 905-***-****
Mobile: 647-***-****
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Ishrat Rizvi
Summary
Skilled Insurance Sales Specialist & Accountant with extensive background in Banking operations, consumer lending, insurance and financial services. Offer pristine combination of Management and Organization capabilities; confident, articulate communicator with innovative, judgment skills sales-oriented, self-managed and self-motivated.
Highlights
Strong problem resolution and time management skills and core competencies in the areas of insuranceRecognize and resolve the insurance issues related to business and process changesSubstantial experience in sales, planning, budgeting, financial reporting and the facilitation of diverse organizational change projects resulting in successful implementation. Led staff by providing ongoing employee mentoring, managing performance and ensuring consistent delivery of high quality service in high volume and fast paced environment.Excellent interpersonal skills to work in a team environment and train new staff, Considerable experience in leading, supervising and motivating staff. Outstanding interpersonal skills coupled with fluent multi-lingual base, ensured highest customer satisfaction rating.Strong relationship builder, able to establish both internal and external working relationships in order to identify and implement strategies for business growth. Ability to complete work within tight deadlines. Optimized and met business and operational goals by setting aggressive targets.Strong business management skills, able to balance the rewards of meeting business objectives with the risk of loss to the client and business to operate within legal and securities regulations and maintain appropriate risk exposure
Work experience
Jan 2009 – Present
Multiple Line Representative State Farm Insurance & Financial Services, Canada
Offering innovative solutions to local clients in the areas of Insurance; achieving record increase in revenues across all product categories.
Developed and implement an effective sales plan to meet and exceed established sales targets, business acquisition mindset Implemented effective sales and marketing strategy to maximize sales activity across all product verticals within assigned territory and cross-selling. Assist customers in signing up new business, applying changes, cancellations and updates to the contract, taking care to meet the customer's needs effectively, while advising and educating in order to ensure the customer's complete satisfaction and retention.Establish personalized telephone rapport with the potential customer and create a climate of trust conducive to the sale of life, property and casualty, living benefits, vehicle financing & auto insuranceEducate and advise customers on our products, while adhering to the company's underwriting policies.Established a strong network within the local community by developing targeted marketing strategies Make formal sales presentations and follow-up calls to prospective and existing business accounts.Reasonable to seek out and develop new business Developed several excel based macros to maximize efficiencies in entering customer information and cross-referencing for errors.Ensures that corporate policy and principles are fully implemented through adequate training, seminars, meetings and organization development strategies and programs Follow corporate compliance guidelinesDevelops and maintains contact with other training and professionals and is familiar with current theory and practice in the field Liaises with a variety of colleagues, underwriters and clients to identify needs and conduct gap analysisMonitors client satisfaction and ensures concerns and complaints are resolved
Mar 2001 – Dec 2008
Account Analyst ZAS Multi Vision, Canada
Perform accounting processes and control. Financial services, client relations and staff management. Responsible for maintaining the accuracy and completeness of daily, monthly and annual accounting records and systems. Processing contract billings and revenue recognition, recording journal entries, reviewing and reconciling related profit & loss and balance sheet general ledger accounts Analysis, record and bill all new contracts in a timely manner as received from other department. Analyze record and bill all employee reimbursable expenses on monthly basis. Reconcile and review account receivable aging on monthly. Provide all levels of management with useful and accurate financial information on a timely basis via verbal communication or documentation by being the subject matter expert Partner with business owners and external vendors to understand the underlying business processes to insure that appropriate internal controls are in place and that the business activity is recorded Record journal entries and ensure the accuracy of information through monthly analysis and reconciliation of assigned balance sheet accounts and analysis and variance research for the related income statement accountsResearch and reconcile assigned general ledger accounts in accordance with company policiesDetermine adjustments required and prepare journal entries for related account activityCoordinate assigned reporting as required related to assigned accounts and activitiesProactively identify and resolve any issues or reconciling items related to general ledger balance sheet Fully and completely understand and document the business processes related to assigned general ledger accounting including transaction flowSummarize and communicate processes and the related financial activity in a clear and concise mannerProvide guidance to the Staff Accountants in all aspects of their work and assist Accounting Managers in reviewing their completed workParticipate in training new accountants in accordance with the best practices and company standardsProvide support, financial analysis, internal control guidance and other support of business partnersReview and monitor accounting controls to ensure accurate and timely financial recordsLead teams for process improvement and issue resolutionRepresent accounting as the subject matter expert on cross functional business projectsParticipate in cost reduction/improvement teams as requested
May 1978 – Jan 2001
Manager Operations & Corporate Banking Bank Al-Jazira, Middle East & National Bank
Built strong profitable corporate portfolio by offering competitive terms coupled with personalized service while minimizing negative exposure to the bank. Gained valuable experience as a Branch Manager ensuring smooth daily operation of every aspects of the office's technical and banking infrastructure, including team management, training and development, compliance.
Manage risk and ensure policies; procedures and controls are in place to minimize fraud, forgeries and irrecoverable losses.Ensure compliance with all bank regulatory training and as required, ensure these programs and policies are applied consistently across the business. Developed coaching skills to using a variety of coaching techniques to support achievement of desired goals. Share knowledge/experience with others and support them in their development goals.Developed product knowledge of personal and business products and services which include services provided to personal and small business clients sufficient to ensure that processes and documentation are completed to fulfill or service product requests.Achieve the branch business goals. Develop the branch business plan with the leader and implement action plans to ensure the achievement of the goals.Responsible to review end of day report, general ledger, financial statement, balance sheet, monthly and yearly closing.Plan, organize, direct, control and evaluate the branch operations, responsible for administering personal and commercial loans, buying and selling securities, operating investment funds, administering trusts, settling estates or other related activatesAnalyzed the creditability and profitability of prospect corporate client by reviewing required documentation governing particular credit facilities. Simplified prompt and timely adjudication of credit applications by ensuring the submitted credentials are analyzed accurately completed and sound recommendations have been made. Maintained the quality of the assigned credit portfolio through close monitoring, strict control, while administrating specific conditions and reporting requirements.Supervised the adherence to established credit policies by lending and supervisory officers in various jurisdictions Minimized bank's exposure by identification of weak and unsatisfactory accounts through reviews conducted on a periodic basis. Reconciliation of various accountsEnsured operational integrity and facilities are purposeful to support daily branch activities.Delivered excellent customer service to both internal and external client.Administered and coordinate the implementation of overall objectives, policies, and procedures. Ensured smooth operation of the branch in the absence of the Branch Manager.Managed and developed sales force, focusing exclusively on new client acquisition, to build profitable relationships and retain business to achieve growth goals.Provided ongoing training to branch staff on bank products and operations, credit, audit, customer service, corporate and commercial banking. Managed performance of staff to ensure branch achieves operational and business sales goals in loan generation and deposit growth and accomplished to assemble and manage a new team of people by people management skillsMake sure to assess local market conditions and respond appropriately
May 1977 – May 1978
Article ship Trainee (Audit) Feroz Sharif & Co. Chartered AccountantPrepares audit reports and follow up to ensure adequate and timely completion of corrective actionsUndertaking financial audit of various autonomous bodies including development of the final certification report & providing financial advice.Reviewing the company’s systems and analyzing risk. Identification and correction of irregularities & major accounting errors. In conjunction with Accounting Management, assist in the identification of other relevant issues within the department and participate in the creation of innovative solutions and/or the implementation of new proceduresMaintaining accounting records and preparing accounts and management information (accountancy)Received Employee of the Month award twice, first ever to win the award.
Education
Bachelor of Commerce, Karachi University. Major: Business Administration & Accounting
Diploma in Banking, Fellow member Institute of Bankers. Major: Banking, Law & Management
Agents Licensed in General, Life & A&S Insurance from Financial Services Commission of Ontario
CGA, pursuing to enroll in the CGA program
Certification:
Branch Manager, Foreign Exchange & international Banking - National Bank
Service Excellence, Customer’s Relation – Bank Al Jazira
Collection of Cheque - Bankers Trust
Travelers Cheque – American Express
Computer Skills
Reference
Web-based banking & insurance software; Midas Kapiti International Cashier System and Main system. EMU; Equation 3.31; IBM AS 400. Business System & NECHO
FAMAS Encore's credit & account analysis software. Business accounting software. Quick Books
Proficient in MS Office products (Word, Excel, Power point, Outlook and Access)
Available Upon Request
Contact this candidate