Summary
Overview
Work History
Education
Skills
Timeline
Reference
Generic
LYNN PADAYACHEE

LYNN PADAYACHEE

RELATIONSHIP MANAGER
Gauteng

Summary

I am a vibrant, self-driven and energetic banking professional with 25 years' experience in retail, business and private banking. I am passionate about exceptional customer service and making a tangible difference in people's lives. Through my passion of dealing with clients, as well as in-depth understanding of banking and financial literacy, I have built long sustainable relationships based on trust, professionalism, and quality advice to clients. I never give up, reliable and persevering nature translates in daily work and helps me in achieving any goal I set for myself. I am an optimist, determined & energetic. I am a result orientated worker who set high standards for myself in anything I do.

Overview

26
26
years of professional experience
15
15
years of post-secondary education

Work History

Relationship Manager

FNB Retail Staffing Solutions
Gauteng, South Africa
11.2021 - Current
  • Met new business customers to present staffing solutions value proposition and expand sales opportunities.
  • Conducted regular account reviews with existing clients to assess performance, identify areas for improvement, and strategize future growth opportunities.
  • Developed personalized value propositions for potential clients, transactional, vehicle finance and homeloan rate concessions
  • Communicated regularly with existing clients to understand current needs, evaluate current product use and cross-sell new products.
  • Monitored service after sale and implemented quick and effective problem resolutions for the business and its employees
  • Developed referral program for employees that incentivized the employee for referring new business, leading to increased client base.
  • Strengthened business client relationships through regular, personalized communication, ensuring high levels of client satisfaction and retention.
  • Executed campaign days, activation days and banker in your business days with agency presence and brand promotion.
  • Managed customer complaints and facilitated rate negotiations, resolving issues and reaching mutual conclusions.
  • Responsible for increasing the market share by main banking the client
  • Identified new business opportunities through cold calling, networking, marketing and prospective EFT database leads.
  • Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
  • Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.

Private Advisor

RMB Private Bank
11.2016 - 10.2021
  • Contributed to the bank''s growth strategy by participating in initiatives aimed at increasing market share among high-net-worth clients.
  • Improved client retention rates by consistently exceeding expectations in terms of service quality and responsiveness.
  • Successfully managed a diverse client portfolio that included entrepreneurs, professionals, and high-net-worth families.
  • Delivered exceptional service that resulted in numerous referrals and increased overall business for the bank.
  • Developed tailored solutions to meet individual banking needs.
  • Maintained long-term relationships with clients through regular communication, proactively addressing concerns, and providing market updates.
  • Generated new business leads by leveraging existing connections and attending industry conferences.
  • Increased loan portfolio size by underwriting credit requests in a timely manner, ensuring adherence to bank guidelines and policies.
  • Collaborated with cross-functional teams, such as credit specialists and trust officers, to provide comprehensive financial solutions for clients.
  • Managed risk exposure by conducting thorough due diligence on potential borrowers before extending credit facilities.
  • Built strong referral networks with external partners such as attorneys or accountants to bring in new business opportunities.
  • Negotiated favorable loan terms for clients while balancing the bank''s risk profile through prudent decision-making processes.
  • Resolved customer complaints and disputes to maintain satisfaction and loyalty.
  • Cultivated strong customer relationships by providing tailored advice and services.

Private Banking Analyst

FNB Private Wealth
05.2013 - 10.2016
  • Cross-sold bank products and services to meet customer needs and provide options.
  • Boosted sales of bank products through effective cross-selling and up-selling techniques.
  • Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
  • Improved customer satisfaction by providing personalized banking solutions and exceptional service.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Networked to increase client base and encourage existing clients to expand financial portfolios.
  • Delivered comprehensive financial advice, strengthening client relationships and promoting long-term loyalty.
  • Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.

Private Banker

FNB Private Wealth
01.2007 - 04.2013
  • Contributed to the bank''s growth strategy by participating in initiatives aimed at increasing market share among high-net-worth clients.
  • Improved client retention rates by consistently exceeding expectations in terms of service quality and responsiveness.
  • Successfully managed a diverse client portfolio that included entrepreneurs, professionals, and high-net-worth families.
  • Delivered exceptional service that resulted in numerous referrals and increased overall business for the bank.
  • Developed tailored solutions to meet individual banking needs.
  • Maintained long-term relationships with clients through regular communication, proactively addressing concerns, and providing market updates.
  • Generated new business leads by leveraging existing connections and attending industry conferences.
  • Increased loan portfolio size by underwriting credit requests in a timely manner, ensuring adherence to bank guidelines and policies.
  • Collaborated with cross-functional teams, such as credit specialists and trust officers, to provide comprehensive financial solutions for clients.
  • Managed risk exposure by conducting thorough due diligence on potential borrowers before extending credit facilities.
  • Built strong referral networks with external partners such as attorneys or accountants to bring in new business opportunities.
  • Negotiated favorable loan terms for clients while balancing the bank''s risk profile through prudent decision-making processes.
  • Resolved customer complaints and disputes to maintain satisfaction and loyalty.
  • Cultivated strong customer relationships by providing tailored advice and services.

Credit Analyst

FNB Premier Banking
01.2005 - 01.2006
  • Played a key role in developing innovative solutions for clients facing challenging financial situations or seeking new growth opportunities.
  • Provided exceptional customer service, addressing inquiries promptly and maintaining strong relationships with key clients.
  • Led training sessions on financial modeling and risk analysis techniques, enhancing team capabilities and promoting a culture of continuous learning.
  • Opened new accounts and made changes to existing accounts.
  • Presented products and services to customers using in-depth knowledge to answer questions.
  • Identified customer desires and goals through needs-based sales tactics.
  • Cross-sold wide range of services and products to increase new business and expand existing customer relationships.

Platinum Credit Assessor

FNB Card Division
01.2003 - 01.2005
  • Coordinated with other departments to verify timely and accurate processing of credit card applications and payments.
  • Assisted customers with questions and inquiries to provide information regarding credit card accounts.
  • Recommended products and services to meet customers' credit card and banking needs.
  • Implemented credit card account maintenance procedures to determine accuracy of customer information and compliance with federal regulations.
  • Conducted thorough credit analysis on potential clients, ensuring responsible lending decisions were made based on established guidelines.
  • Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
  • Made decisions and recommendations about extending lines of credit.
  • Negotiated payment plans and loan terms with delinquent customers.

Premier Consultant

FNB Southdale Branch
01.1999 - 01.2003
  • Managed a portfolio of high-value accounts, ensuring timely execution of transactions and adherence to compliance requirements.
  • Collaborated with team members to meet branch sales goals and improve overall performance.
  • Cross-sold bank products and services to meet customer needs and provide options.
  • Boosted sales of bank products through effective cross-selling and up-selling techniques.
  • Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
  • Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
  • Improved customer satisfaction by providing personalized banking solutions and exceptional service.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
  • Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.

Education

Matric -

Solvista Secondary School
Durban
01.1992 - 01.1996

RE5 -

Moonstone
Gauteng
01.2013 - 01.2013

Higher Diploma in Banking - Banking

Milpark
Gauteng
01.2011 - 01.2016

Financial Advisory Program -

FNB
FNB Learnership
01.2015 - 01.2021

Skills

Timeline

Relationship Manager

FNB Retail Staffing Solutions
11.2021 - Current

Private Advisor

RMB Private Bank
11.2016 - 10.2021

Financial Advisory Program -

FNB
01.2015 - 01.2021

Private Banking Analyst

FNB Private Wealth
05.2013 - 10.2016

RE5 -

Moonstone
01.2013 - 01.2013

Higher Diploma in Banking - Banking

Milpark
01.2011 - 01.2016

Private Banker

FNB Private Wealth
01.2007 - 04.2013

Credit Analyst

FNB Premier Banking
01.2005 - 01.2006

Platinum Credit Assessor

FNB Card Division
01.2003 - 01.2005

Premier Consultant

FNB Southdale Branch
01.1999 - 01.2003

Matric -

Solvista Secondary School
01.1992 - 01.1996

Reference

Heloise Van Wyk - FNB Staffing Solutions

Cell - 061 024 9099


Graeme Barrett - RMB Private Bank

Cell - 082 403 4960


Diren Jugmohan - FNB Private Wealth

Cell - 078 460 0296

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