Desiree Padiachy

Acquisitions – Solutions Specialist (First National Bank)

• Formulate transactional banking solutions for Commercial Banking clients as well as prospective clients.
• Researching identified growth industries and sectors to design transactional banking solutions tailored for these industries.
• Negotiate transactional pricing for clients based on the drivers within their business.
• Keep abreast with latest developments regarding FNB products and services.
• Analyse published competitor analysis.
• Completing Request for Value Propositions and Request for Information where required.
• Networking and building relationships internally and externally.
• Deliver exceptional service that exceeds customers’ expectations through proactive, innovative and appropriate solutions.
• Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff members, Segment/Divisional and Regional heads
• Design a solution which best meets the needs of the client and coordinate the implementation of the designed solution, managing the project implementation across the relevant business units.
• Ensuring cross sell opportunities within the Business Banking environment are identified and arranging relevant Specialist to follow through.

• Assist in achieving revenue targets by attaining new clients and identifying cross sell opportunities to existing clients.
• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
• Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, project managers and senior staff members
• Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
• Analyse financial information and prepare the necessary credit proposals for the various credit committees.
• Ensure correct pricing is attained and negotiated with client
• Manage own development to increase competencies

• Achieve new revenue targets by growing a portfolio of new clients and sales acquired
• Deliver exceptional service that exceeds customers' expectations through proactive, innovative and appropriate solutions
• Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, project managers and senior staff members
• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
• Maximise cross sell opportunities and strengthen client relationships
• Track, control and influence sales activities with the specific aim to achieve previously determined sales targets in Deposit Book
• Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
• Comply with governance in terms of legislative and audit requirements
• Analyse competitor information gathered.
• Identify new business opportunities.
• Manage own development to increase own competencies
• Analyse financial information and prepare the necessary credit proposals for the various credit committees.
• Managed a small portfolio of High Net worth clients

• Manage existing clients and grow portfolio through making contact and generating leads.
• Analysis of financial information.
• Determine client borrowing needs and cross sell opportunities.
• Build trust and maintain client relationships to ensure that their current and future needs are met.
• Manage time and work processes within a business environment.
• Ensure customers’ needs and expectations are understood.
• Provide sales support efficiencies and services in order to ensure retention of clients.
• Contact prospective clients and sell appropriate banking products in order to achieve sales targets.
• Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information.
• Comply with governance in terms of legislative and audit requirements.
• Achieve net profit growth for business.
• Enter all Qualified leads into the sales pipeline and maintain on a daily basis.
• Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
• Track, control and influence sales activities with the specific aim to increase sales efficiencies.
• Provide accurate and reliable sales statistics.

• Full support & supervisory duties
• Evaluating staff performance
• Drawing up of performance contracts
• Administration duties
• Balancing of general ledger accounts
• Customer liaising
• Enquiring and capturing of debit orders
• Stop orders & schedule payments
• Treasury custodian (controlling of branch cash)
• ATM custodian (queries, loading of cash and balancing)

• Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
• Responded to customer requests for products, services, and company information.
• Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
• Developed strong product knowledge to provide informed recommendations based on individual customer needs.
• Contributed to sales growth by upselling products and services based on individual customer requirements.
• Participated in training programs to enhance product knowledge and customer service skills.
• Basic Foreign exchanges services offered to customers.

• Enhanced customer satisfaction by addressing and resolving inquiries promptly and professionally.
• Developed innovative solutions to complex problems, resulting in improved efficiency within the department.
• Attended regular meetings with team members to review performance metrics and set goals for continuous improvement in service delivery.
• Managed high call volumes, maintaining exceptional service standards while efficiently handling customer concerns.

• Processed customer transactions promptly, minimizing wait times.
• Answered customer inquiries.
• Maintained cash drawer accuracy by balancing at the end of day and implementing effective cash handling practices.
• Liasing with Department of Labour.