Customer Service Sales
Resume:
Izzat Alhabbal
Troy, MI 48084
***********@****.*** 248-***-****
Finance professional looking to further skills in finance and accounting. Experienced in credit analysis and review, building customer relationships, and possesses a strong knowledge of quantitative modeling.
SUMMARY OF EXPERIENCE
oKnowledge of credit concepts and financial analysis
oProficiency in risk concepts, banking products/operations/systems, pertinent regulatory requirements, and International Accounting Standards
oExcellent quantitative modeling, analytical, and research skills
oExperience working with large and complex data sets
oAbility to work independently on multiple tasks and/or projects
oExcellent communication skills in English and Arabic
oAdequate knowledge of IT systems/ applications
PROFESSIONAL EXPERIENCE
Guaranty Bank MI
Personal/Business Bank
Branch Assistant Manager September 2014
•Effectively manage the day-to-day branch operations.
•Follow proper dual control expectations.
•Adhere to bank policies and procedures for processing customer transactions.
•Educate employees and customers about theft and fraud prevention.
•Make effective decisions when processing exceptions for customers.
•Reinforce Branch Manager expectations in achieving and exceeding company set sales goals.
•Use effective techniques in cross sale, and off site opportunities to meet and exceed individual sales goals.
•Motivate and encourage employees to ensure entire staff meets and exceeds monthly sales goals.
•Ensure employees have appropriate knowledge levels of products and services offered.
•Support the Branch Manager in managing branch staff performance.
•Participation in recruiting and selecting a cohesive and effective team.
•Provide verbal and written feedback to employees on a consistent basis.
•Develop staff for future promotional opportunities.
•Participate in addressing inappropriate conduct, attendance and behavioral issues through discipline and or termination.
•Ensure compliance with appropriate bank, regulatory and legal requirements.
•Provide exceptional customer service through problem resolution, education and guidance to new and existing customers.
•Provide outstanding customer service tall bank customers.
•Represent the bank in a courteous and professional manner.
•Deliver prompt, efficient, and accurate service.
•Participate in various trainings offered by the company to enhance skills and knowledge.
•Work on problem solving skills to better assist customers in a professional way.
•Enhance sales techniques and generate new approaches.
BANKING SPECIALIST/SUPERVISOR January 2012-Auguat 2014
Provided customers with personal financial reviews and lending services
Met management goals by selling bank products and services resulting in personal incentives and bonuses
Assisted with branch physical security that included audits, compliance with regulatory policies and procedures
Assisted with the branch monthly reporting, compliance, overdrafts, collections, and internal controls
Ensured the branch operated within the guidelines of the compliance policy and the appropriate procedures
Informed potential clients of numerous banking options such as, checking, saving, CD accounts, clear coverage, easy advance, and credit cards
Promoted company products and services by regularly soliciting internal customers for expanded business and referrals, to assist in the continuing growth of the bank
A & A for Trading, LLC Dearborn Heights, MI 2008 – November 2011
International trade/Distributor
STAFF ACCOUNTANT
Prepared consolidated internal and external financial statements by gathering and analyzing information from the general ledger system
Maintained the scheduling of required projects
Analyzed information and options by developing spreadsheet reports
Prepare general ledger entries by maintaining records and files, reconciling accounts
Prepared payments by accruing expenses, assigning account numbers, and requesting disbursements
Answered accounting and financial questions by researching and interpreting data
Provided accounting support for mergers and acquisitions by reviewing financial information
Arab Bank Damascus, Syria 2005 - 2007
Banking/Financial Services
CREDIT REVIEWER
Evaluated and analyzed financial information and investment proposals
Analyzed financial information to determine present and future financial performance
Evaluated profit plans, operating records, and financial statements
Partnered with business units and senior management in business analysis, planning, target setting, budgeting and forecasting
Conducted detailed industry, company, and competitive research and analysis
Western Union Amman, Jordan 2002 - 2004
Banking/Financial Services
BANKING COORDINATOR
Coordinated all banking transactions including account changes, settlement information, sales reporting and processing agent cancellations/change of ownership transactions, insuring high quality service.
Worked with sales team to understand the market and communicated with sales on any agent related servicing issues and sales opportunities.
EDUCATION & TRAINING
Graduate of Master of Science in Finance, Walsh College, Troy, Michigan - 2009
Graduate of Bachelor of Finance and Banking, Amman National University, Amman, Jordan – 2004
Team Building & Organizational Psychology Certificate of Completion - 2007
Arab Bank – Syria, Goal setting and Strategic thinking 2006
Arab Bank PLC Amman – Jordan Advance Banking Training Program (Pioneers Program), All Banking sectors and operations 02/2005-08/2005
TECHNICAL SKILLS
MS Office Suite (Word, Excel, Outlook, PowerPoint)
Equation & Banks Systems, Cleartouch, Teller1
QuickBooks
Moody’s risk-rating system
Al Amin Accounting Program
Statistical Product and Service Solutions (SPSS)
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