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Skills

Driving Licence
Full, clean

Interest

travelling, scuba diving, swimming, socialising with friends and family

Skills

Languages

German - native

English- fluent

French- beginner

Organisational / managerial skills

  • Dependable and truthful.
  • Ability to keep calm under pressure.
  • Self starter.
  • Having the ability to work accurately.
  • Relationship management.
  • Excellent negotiating skills.
  • Comprehensive understanding of client confidentiality.
  • Ability to motivate subordinates.

Job-related skills

  • Thorough understanding of banking procedures, good knowledge of finance and accounting
  • Developing processes that reduce the time taken in processing loan applications.
  • Profit & Loss management.
  • Strategic planning.
  • Presentation and sales skills.
  • Loan consultation.
  • Risk management and evaluation.
  • Debt management.

Work History

Jan 2012Present

Loan Officer

creditolo GmbH
  • Advising clients on mortgages and raising loans.
  • Approving loans within specified limits, and refer loan applications outside those limits to management for approval
  • Meet with applicants to obtain information for loan applications and to answer questions about the process
  • Analyzing applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
  • Review loan agreements to ensure that they are complete and accurate according to policy
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs
  • Handle customer complaints and take appropriate action to resolve them
  • Work with clients to identify their financial goals and to find ways of reaching those goals
  • Verifying customer data to detect and identify financial fraud.
  • Jan 2011Mar 2011

    Team Manager| Sales Representative

    Australian Sales and Promotion (ASAP)

    Channel: HSBC/Woolworth

    • Present and sell Everyday MoneyCredit Cardand services to current and potential clients
    • Prepare presentations, proposals and sales contracts
    • Identify and resolve client concerns
    • Responsible for the performance and development of Sales representative in my team

    • Earned Sales Star Award after one month for the Sales Record for the state Victoria with 85 Sales a week
    May 2007Oct 2010

    Bank clerk

    Volks- und Raiffeisenbank Saale-Unstrut eG

    08/2007 - 06/2010

    vocational training as Banking professional

    working in the areas:

    • Account management
    • Payments
    • Exchange trading
    • Investment advisory services
    • Portfolio management
    • Corporate banking
    • Bank teller

    06/2010 - 10/2010

    Banking professional

    Responsible for supervising the day to day running and operations of the bank, whilst at the same time creating a professional, helpful and customer friendly environment for staff to work in.

    • Looking after the short term and long term funding requirements of business clients and individual customers.
    • Building relationships with high net worth individuals.
    • Providing advice on investments
    • Handling customer queries face to face, over the phone or via correspondence.
    • Analysingfinancial reports.
    • Representing the bank within the local community.
    • Verifying customer data to detect and identify financial fraud.
    • Opening new bank accounts for individuals and also companies.
    • Responsible for cash management.

    Education

    Aug 2007Jan 2010

    Qualified German banker

    BBS Weißenfels

     vocational training as a bank officer

    Certifications

    Apr 2013Apr 2015

    TOEIC

    inlingua Halle