Contact information

Michael M. Naccarat

4611 Nelm Street
Hyderabad – 22102

Career objective

Looking for a challenging position of the Banking Loan in the reputed company with a view to use my wide experience for the benefit of the organization.

Skills

  • Computer Literate
  • Able to interact with people of levels
  • Highly motivated and committed
  • Reliable

Career Achievements

  • Talented in indentifying new business leads for banking products; recent highest sales amount achieved was 500k unit trust sales for previous branch
  • Managed portfolio of more than 30 companies in a year which includes daily banking transactions including clearing, foreign drafts, Cheque collections, standing orders and payroll services
  • Achieved monthly sales target of current/saving account openings (more than 20 accounts), personal loan account (more than 5 accounts) and credit card sales (more than 8 accounts
  • Managed and lead customer service team of 6 in a city centre branch and coached team members to achieve sales above targets by 20% and ensured they carried out daily banking transactions accurately.
  • Managed portfolio of more than 30 companies in a year which includes daily banking transactions including clearing, foreign drafts, Cheque collections, standing orders and payroll services
  • Selected by senior management team to organise business development activities i.e. marketing campaigns which led to successful business leads for deposits, loans and other revenue focussed products.

Experience

Feb 2009 – Present

BANK SA, Southern Lending Team

Home Loan & Banking Specialist.

  • Analysing complex personal and company financials.
  • Assessing loan proposals & using my Approval Level where possible.
  • Loan Approval level of $1.5 Million.
  • Handle customer complaints.
  • Use my Credit Policy knowledge to assess complex lending opportunities.
  • Seizing cross selling opportunities.
  • Referring customers to specialist areas and ensuring their needs are met.
  • Working within a busy banking branch with internal referrers.
  • Networking with external real estate agents and other businesses of influence to establish mutual referred business including referral agreements.
  • Dealing with high net worth & demanding customers on a daily basis.
  • Managed the growth of the branch-lending portfolio of 1500 customers with book value in excess of $275 Million.
  • Contact point for all Banking and Lending needs and maintenance of portfolio.
  • Ensuring that every customer I meet regards Bank SA as his or her Main Financial Institution. Up selling products appropriate to their needs.
  • Establishment of new accounts and all personal banking needs. I.e Qualified personal, home & Contents Insurance Salesperson, ordering of Account key cards, maintenance of existing accounts & complete financial health checks for existing customers.
  • Meeting challenging sales targets and KPI’s

Feb 2008 – Feb 2009

BANK SA, PORT PIRIE

Branch Manager

  • Applying strategic planning principals
  • Developing positive and successful relationships with new and existing clients
  • Generating new business
  • Converting cross sell opportunities
  • Adhere to EEO, risk and compliance standards
  • Overseeing a busy banking branch with 8 direct reports
  • Financial reporting
  • Budget and report preparation weekly
  • Complaint Management
  • Reviewing and Developing business plans on a Quarterly Basis
  • Meeting challenging sales targets and KPI’s
  • Staff performance management
  • Development Plans in place for staff promotion
  • Preparation of Branch Marketing merchandise and advertising
  • Payroll processing
  • Roster preparation
  • Staff appointment and induction

2006-2008

SPORTSPOWER, PORT PIRIE

Manager

  • Budgeting
  • Supervision of 5 full-time and casual staff
  • Stock Control and indent purchasing
  • Handling of monies
  • Weekly staff rosters and appointment, training and development of staff
  • Deliveries
  • Promotion coordinating including television and radio AD production
  • Sales targets and budgets
  • Handling of general day to day running’s of a successful business

Education

  • PGDM in Finance & Marketing

Lal Bahadur Shastri Institute of Management, New Delhi

  • B. Com(H)

Kamala Nehru College , Delhi University

  • HSC, CBSE

Sir Padampat Singhania Education Centre, Kanpur, Uttar Pradesh

  • SSC, CBSE.

Sir Padampat Singhania Education Centre, Kanpur, Uttar Pradesh

References

Floyd P. Olivier
Manager
Wap Company.
Floyd_oliver@gmail.com

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