Agrigoroae Oana

• collection and processing requests from clients
• perform general accounting records
• keeping in touch with clients, suppliers, Banks, State institutions and other third parties for specific problems
• elaboration and drafting of documents and statements required by the manager
• support the manager with adhoc projects, workflow processes improvements and other related duties as necessary.

I joined the BCR Banca pentru Locuinte at the beginning of its expansion on the Bucharest market. I brought my contribution by diversifying and enlarging the company's clients portfolio.

I was awarded bonuses based on my achievements regarding quality portfolio, reaching and exceeding the sales target.

• prospect and approach new clients, using innovative ways to attract and retain them,
• develop financial strategy by guiding the client to establish financial goals, matching goals to situation with appropriate financial plans,
• obtains clients' commitment by explaining the proposed financial plans and options, explaining advantages and risks, alleviating concerns, answering questions,
• review clients' portfolio in order to identify opportunities to right sell and promote the bank's saving - lending products,
• compliance with quality and quantity indicators of portfolio and where needed, initiating measures to increase them
• active participation in the achievement of the objectives of the Bank

During my experience at AVIVA i managed to achieve the monthly sales targets by capitalizing on my clients portfolio, built at the previous job.

I was awarded quarterly bonuses based on performance.

• identify and qualify sales leads generated from a variety of sources, including referrals, marketing, cold-calling and lead databases.
• interview prospective clients to obtain data about their financial resources, needs, and physical condition, in order to determine present coverage and investments, ascertaining long-term goals.
• develop a coordinated protection plan by calculating rates for immediate coverage action and long-term strategy implementation and get clients' commitment.
• deliver policy, planning future follow-up visits and evaluations of needs.
• provide continuing service for clients and if needed process changes in beneficiary and policy applications.

Vision Consult is among the first companies that developed credit brokerage activity on the Romanian market. My mission, as a member of the team, was to increase awareness about the concept of loan brokerage on the local market and to enlarge the company's clients portfolio. I started by exploiting the potential of the market, identifying the prospects and successfully selling credit products.

I managed several corporate accounts, providing financial consulting for their employees.

Overall i achieved a 90% approval rate on loan applications.

• develop base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects,
• discuss with clients to determine their borrowing needs and select the most appropriate loan suited to their circumstances
• explain to the borrower the terms and conditions of the loan, it's legal aspects as well as the payment terms and clauses to them
• help clients with the documentation required for acquiring the loan
• manage the process through to settlement.
• follow-up with clients in order to maintain continued relationship and to obtain new leads or new loan demands
• providing basic sales training for the new employees of the company