Branch manager banking

Bassam A. El Fadl

Mobile: +1-419-***-****

Email: ************@*****.***

Address: **** * ****** **, ******, OH 43617.

Key Attributes

•Independent & team player with strong communication skills.

•Highly dependable, results- driven and well organized.

•Ability to direct and make decisions.

•Creative, Strategic, and Thinks outside the box.

•Charismatic and energetic.

•Strong organizational skills.

•Knowledgeable of the financial proceedings of medium to large organizations.

Employment History

Jan 2024 – Present Directions Credit Union Toledo, Ohio Position: Branch Manager.

Supervises work scheduling and workflow of daily routine operations. Schedules staff to ensure efficient workflow and high service levels.

Ensures that operations are conducted in accordance with established Credit Union policies and with legal and regulatory requirements.

Ensures Branch security. Opens and closes the building in accordance with set hours and tests security equipment regularly. Updates security procedures regularly.

Reviews, processes and approves loans within established policies and limits.

Supervises and assists with member services functions. Uncovers member needs and presents credit union products and services to meet those needs.

Implements changes to established policies and procedures within the Branch.

Ensures that all Branch transactions are balanced at the close of each day.

Oversees individual accountability for the handling of cash and assists tellers in resolving balancing problems.

Controls and handles daily deposits in accordance with established policies and procedures.

Periodically performs audits of tellers and cash in the vault.

Provides leadership through effective goal setting and communication with staff.

Directs, coaches and supervises all Branch personnel. Ensures that high quality work and efficiency in operations are maintained. Determines work methods and flow through assigning, coordinating, and reviewing tasks.

Conducts regular meetings with Branch employees to inform, coach and train. Discusses areas needing improvement and changes in procedure.

Works with the Educational Department to ensure that staff is well trained in all phases of their respective jobs. Completes orientation of new employees in overall Branch procedures.

Works with Human Resources Department to ensure that staff is effective and performing optimally. Determines appropriate staffing levels for proper utilization of human resources.

Manages individual progress and conducts performance appraisals on each employee at least twice annually. Formulates and implements corrective actions as needed. Recommends promotions for employees as appropriate.

Approves all sick leave, vacation, overtime, and timecards for each Branch employee. Keeps accurate payroll and attendance records.

Employs Sales & Service skills to establish new member relationships, open new accounts and loans, conduct appropriate follow-up and assist members in solving problems.

Ensures that members' requests and questions are promptly resolved in a professional manner. Handles members' complaints and assists members in resolving problems.

Ensures that members are informed of Credit Union services and policies. Counsel's members regarding their financial needs and services requested.

Ensures that the Credit Union's quality reputation is maintained and projected.

Encourages Credit Union mission and brand.

Strives to exceed member expectations and anticipate needs through skillful questions, listening, communicating benefits, gaining commitment and addressing member concerns.

Keeps Senior Management informed of Branch activities, progress toward established goals and any significant issues. Requests assistance when necessary

Communicates effectively with Managers and staff to coordinate activities and serve Members' needs.

Encourages and supports Credit Union mission and Brand. Promotes Credit Union's sales and service culture.

Attends and participates in meetings and committees as required.

Assists other branches and departments as required.

Ensures that Branch operations are well coordinated with Credit Union accounting, loan processing, and credit functions.

Manages and oversees Branch expenses. Pursues cost-saving measures.

Continually seeks ways to improve Branch operations and productivity to meet established goals.

Prepares periodic Branch activity reports and makes recommendations to management for improvements.

Ensures that adequate supplies, forms, and equipment are available for personnel.

Participates in Credit Union's strategic planning process.

May 2023 – Dec. 2023 ECDI Toledo, Ohio

Position: Senior Relationship Manager.

Work with clients to gather and synthesize information pertinent to approving and funding a commercial loan application such as business plans, financial statements, credit data, etc.

Gather data necessary to complete application package and source documents for credit analysis of all loan applicants.

Provide and document technical assistance to applicants while reviewing the application materials and supporting documentation as well as helping the credit team prepare the credit memorandum.

Initiate contact with prospective loan applicants to determine if loan qualification standards are met.

Develop and maintain referral sources of prospective small businesses located within target communities and in need of financing.

Work with community partners, centers of influence, funding partners, and other small business ecosystem key stakeholders to expand ECDI’s presence and brand awareness in the market.

Expand ECDI’s network throughout Lucas and surrounding counties.

Coordinate with the underwriting and processing teams to prepare necessary reporting information (such as the request or need for credit, feasibility, and viability of success of the business, capacity to repay the loan, the degree of risk involved in extending the loan) and provide recommendations.

Negotiate any remaining loan structuring elements.

Prepare loan package for funding.

Prepare and deliver a commitment letter to the applicant.

Package the loan documents per the loan closing checklist once the commitment letter is signed and all required documents are received.

Complete the loan process with borrowers.

Provide continued support to clients by supporting their post loan requests and conducting technical assistance on an ongoing basis.

Assist in portfolio management with servicing issues and borrower relationships during the entire life of the loan, including but not limited to collections, modifications of collateral, site visits, and annual reviews.

Record data entry into CRM system, including but not limited to pre- and post – loan tracking, technical assistance provided, collections, other notes about client relationship.

Responsible for meeting individual loan production goals established by the V.P. of lending.

Dec. 2020 - May 2023 Bank of America Dearborn, Michigan Position: Assistant Branch Manager.

Knowledge of all Bank of America products, services, procedures, policies, and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act; Privacy; Fair Lending; Regulation E; deposit, transaction, and loan accounts.

Schedules and supervises customer service representatives, head tellers, tellers, safety deposit clerk, and financial service managers in daily tasks and operations.

Conduct performance evaluations that are timely and constructive.

Opens new accounts, certificates of deposit, and all other ancillary products offered by the bank; answers customer questions, provides account opening information, and ensures that proper paperwork is completed and entered on the computer system.

Works to meet branch performance standards including operating loss control, bank secrecy, and compliance with policies and procedures.

Overseas and assists with the preparation of all branch reports for approval by branch manager.

Attends and participates in periodic staff meetings.

Manages branch operations when manager is absent.

Assist customers with routine questions and requests: balance inquiries, temporary statements, check copies, stop payments, holds, online banking, ACH, automatic funds transfer, direct deposit, wire processing, coin processing, notary services, and privacy.

Feb. 2017 – Nov. 2020 FCA (Fiat Chrysler Automotive) Toledo, Ohio Position: Production Supervisor

Responsible for managing multiple work teams in a fast paced, high volume unionized manufacturing environment.

Responsible for coordinating daily team activities to achieve business metrics and implementing World Class Manufacturing (WCM) tools and processes.

Responsible for overseeing and developing highly functioning work teams, comprised of Team Leaders and Team Members and practice the Stellantis Leadership Principles.

Jul. 2015- Dec. 2016 City Gate Construction Company Dubai, UAE Position: Account Manager for Abu Dhabi and Reem Island.

Team leader on 31 workers including two foremen.

Acting as the point of contact for the customers.

Providing customer support.

Upselling and giving technical Assistance based on what is specified by the supporting Unit of the secretary of defense of U.A.E.

Feb. 2010- Jun. 2015 Fransabank Beirut, Lebanon Position: Customer Service Manager (CSM).

Responsible of five tellers in the branch.

Wire Processing/Incoming-Outgoing, Personal and Corporate-Online Banking Wires Using Wire Exchange.

Process Return Checks, Positive Pay Checks, Stop Payments.

Balancing Back Counter Imaging at end of the day.

Order new and cancel lost or stolen Debit Cards.

Buy and sell foreign currency through the internal exchange System.

Check all required Daily Reports and print necessary end day reports.

Nov. 2008 – Feb. 2010 Fransabank Beirut, Lebanon Position: Teller.

Responsible of cash deposits, cash withdraws, checks, swifts, ATM transactions, all kinds of bills and customer commercial services.

Educational Background

2020 - 2022

2004 – 2007

1990 – 1998

Lourdes University Sylvania, Ohio

MBA

BCU University Beirut, Lebanon

BA in Business Administration.

Saint Severious School Beirut, Lebanon

Baccalaureate Philosophy

Computer Skills

Experienced PC user, good knowledge in Sales Force, LexisNexis, Verafin, Teller Insight, FIS, Call Trax and Dolphin, Merlin Teller, Interact, CMC, Silicon programs as well as extensive knowledge of Microsoft Office Suite (Word, Excel, Access, PowerPoint, and Outlook), comfortable with execution and utilization of new applications.

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