Ria Smith
Relationship Analyst
Moorreesburg
Summary
Adept at strategic planning and data mapping, I significantly enhanced client satisfaction and retention at FNB by implementing efficient solutions and fostering collaborative environments. My expertise in Microsoft Office Suite and strong negotiation skills have driven project successes and maximized revenue, showcasing a proven track record of exceeding employer expectations.
Overview
23
23
years of professional experience
Work History
Relationship Analyst
FNB
Moorreesburg
11.2013 - 04.2023
- Improved customer satisfaction by addressing concerns promptly and effectively, resulting in increased client retention rates.
- Maximized revenue generation for the company with effective cross-selling of banking products and services.
- Maintained up-to-date knowledge on industry regulations and compliance requirements, reducing potential risks associated with non-compliance issues.
- Enhanced communication between Relationship Managers and Analysts, fostering a collaborative work environment that led to higher productivity levels.
- Analysis of customer financial statements and requesting Moody's report
- Analysis of Moody's report
- Assisst customer with cash flow required for new/renewal of credit application
- Compiling and submitting customer credit application using customer needs, security assessment, financial assessment etc
Branch Administrator
FNB
Moorreesburg
12.2007 - 10.2013
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Maintained strong vendor relations through timely payments, clear communication, and contract negotiation skills.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Complied with regulatory guidelines and requirements.
- Consulted customers to boost product sales and services.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Examined customer loan applications for loan approvals and denials.
- Managed daily operations to maintain smooth workflow, overseeing scheduling, inventory management, and task delegation.
- Boosted customer satisfaction by promptly addressing inquiries, resolving issues, and maintaining a high level of professionalism.
- Collaborated with senior management to develop strategic plans for branch expansion and improvement initiatives.
- Commitment to maintaining office organization led to increased productivity among staff members.
- Coordinated team meetings agendas aimed at enhancing collaboration within the workforce.
- Handled confidential information professionally safeguarding sensitive company data at all times.
- Enhanced branch efficiency by streamlining administrative processes and implementing time-saving strategies.
- Fostered a positive work environment by promoting open communication channels between team members.
- Strengthened customer relationships by delivering top-notch service, understanding client needs, and offering customized solutions.
- Tracked branch performance metrics effectively to identify areas for improvement in both sales targets and employee performance.
- Effectively resolved conflicts among staff members by utilizing excellent interpersonal skills diplomacy.
- Ensured compliance with company policies and industry regulations through regular auditing and staff education efforts.
- Supported branch growth through effective management of staff, including recruitment, training, and performance evaluations.
- Spearheaded special projects as assigned by senior management while adhering to tight deadlines.
- Oversaw the implementation of new software systems for improved data tracking and streamlined recordkeeping.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
Teller
FNB
Moorreesburg
07.2003 - 11.2007
- Processed customer transactions promptly, minimizing wait times.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
- Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Improved customer satisfaction by providing efficient and accurate transaction processing.
- Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
- Maintained accurate records of customer transactions in line with bank procedures.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
Customer Service Representative
FNB
Moorreesburg
07.2003 - 11.2007
- Assisted call-in customers with questions and orders.
- Built strong relationships with clients through attentive service, leading to repeat business and referrals.
- Improved sales revenue with effective communication of product features, benefits, and promotions.
- Emphasized product specifications to meet customer needs.
Coordinator
FNB
Moorreesburg
07.2003 - 11.2007
- Entered data, generated reports, and produced tracking documents.
- Improved team productivity with regular communication and progress updates, fostering a collaborative work environment.
- Managed project timelines for successful completion, ensuring milestones were met and deadlines were adhered to.
- Collaborated with department heads to develop strategic plans aligning with overall company objectives, fostering a unified approach toward shared goals.
- Enhanced customer satisfaction by responding promptly to inquiries and addressing concerns professionally.
- Enhanced operational workflows by maintaining well-organized documentation systems and updating records accurately as needed.
Pension Fund Administrator
Sanlam
Belville
02.2000 - 03.2003
- Analyzed financial reports regularly to identify potential risks or opportunities within the organization''s portfolio of pension investments.
- Collaborated with internal teams to develop customized pension plans for clients based on their needs and objectives.
- Conducted thorough reviews of participant data, verifying eligibility requirements for pensions and other benefits.
- Streamlined reporting processes by developing automated tools, enabling better tracking of pension plan performance and compliance measures.
- Enhanced client satisfaction with timely and accurate pension calculations and disbursements.
- Maintained detailed records of all pension transactions, ensuring accuracy and facilitating audits when necessary.
Education
First Level Regulatory Examination: Representative - Regulatory Affairs
Leselo Examination Body
Johannesburg 04.2011 - 04.2011
Certificate In Banking - Banking And Finance
Institute of Bankers in South Africa
Online06.2010
Skills
Consulting
Project finance
Data Mapping
Microsoft Office Suite
Strategic planning
Negotiation
Marketing research
Quality assurance
Needs assessments
Web-based reporting tools
Customer targeting
Timeline
Relationship Analyst
FNB
11.2013 - 04.2023
First Level Regulatory Examination: Representative - Regulatory Affairs
Leselo Examination Body
04.2011 - 04.2011
Branch Administrator
FNB
12.2007 - 10.2013
Teller
FNB
07.2003 - 11.2007
Customer Service Representative
FNB
07.2003 - 11.2007
Coordinator
FNB
07.2003 - 11.2007
Pension Fund Administrator
Sanlam
02.2000 - 03.2003
Certificate In Banking - Banking And Finance
Institute of Bankers in South Africa
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