RAMON OLIVEIRA
Nepean,ON
Summary
Dynamic, attentive, and specialized in retail banking, customer service and account management. Driven to help clients make responsible and financially beneficial decisions. Knowledgeable of branch operations and financial products to best support company and customers. Top-performing professional with substantial experience in banking and finance. Dedicated to establishing long-term relations with customers to demonstrate trust and decrease account closure rates. Adept at understanding customer needs to recommend appropriate banking products. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Personal Banker
Bank Of Montreal, BMO
05.2022 - Current
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Cross-sold bank products and services to meet customer needs and provide options.
- Promoted financial products by maintaining excellent service offering knowledge.
- Expanded client base by promoting new financial products.
- Promoted financial products by maintaining excellent service offering knowledge.
- Analyzed customers' financial information to deliver personalized account guidance.
- Implemented strategies to increase customer retention, enabling investment growth.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Remained updated with latest information related to mortgage products and services being offered.
- Presented financial plans and investment recommendations to clients.
Personal Banking Associate
Bank Of Montreal, BMO
03.2022 - 05.2022
- Developed and maintained strong customer relationships, providing exceptional service and advice.
- Educated customers on features and benefits of banking products and services.
- Collaborated with other departments to confirm compliance with banking procedures and regulations.
- Processed customer applications and approved loans in accordance with bank policy.
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
- Provided advice on different bank products and financial options.
Customer Service Representative
Bank Of Montreal, BMO
09.2021 - 03.2022
- Identify customer needs and matches with appropriate products or services using relationship selling techniques, including making referrals to other BMO employees
- Established outstanding customer service through greeting and serving transaction banking needs of all private banking clients promptly, courteously, knowledgeably, and professionally, always striving to exceed customer expectations
- Analyzed data and information to provide insights and recommendations
- Followed security and safeguarding procedures and applies appropriate due diligence for prevention of loss due to fraud, counterfeiting money laundering or defalcation in accordance with Bank policy
- Identify and escalates all irregularities and discrepancies to management
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
Automotive Finance Manager
Santander Financing, Group Santander Brazil
11.2014 - 02.2017
- Focused on customer’s needs, for example, teaching customers and dealers how to use digital tools such as website and mobile app
- Effectively communicate competitive advantages on transaction and broad basis to ensure proper product positioning within dealerships
- Conducted surveys for understanding better customers need to provide excellent client experience
- Negotiated loan terms and conditions with customers to secure best deal.
- Processed loan applications and monitored progress from start to finish.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
Education
Bachelor of Science - Economics
State University of Montes Claros
Montes Claros/MGPostgraduate certificate - Financial Planning
Centennial College
Toronto, ON04.2021
Post-Degree Certificate - Business Administration
FGV (Getulio Vargas Foundation)
Montes Claros/MG07.2014
Skills
- Financial Product Expertise
- Monitor Industry Trends
- Coaching Clients
- Sales Expertise
- Small Business Relations
- Retirement Needs
- Client Relationship Management
- Personal Advising
- Banking
- Active Listening
Accomplishments
- Recognized from Bank of Montreal for the Q4 2022 and Q1 2023 spotlight award for providing the best customer experience in my networking within the community.
Certification
- Canadian Securities Course (CSC) certificated.
Timeline
Personal Banker
Bank Of Montreal, BMO
05.2022 - Current
Personal Banking Associate
Bank Of Montreal, BMO
03.2022 - 05.2022
Customer Service Representative
Bank Of Montreal, BMO
09.2021 - 03.2022
Automotive Finance Manager
Santander Financing, Group Santander Brazil
11.2014 - 02.2017
Bachelor of Science - Economics
State University of Montes Claros
Postgraduate certificate - Financial Planning
Centennial College
Post-Degree Certificate - Business Administration
FGV (Getulio Vargas Foundation)
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