Summary
Overview
Work History
Education
Skills
Timeline
Generic

Fency Joseph

Palmerston North,MWT

Summary

Customer banking professional with a strong focus on client acquisition and needs assessment. Skilled in managing lending processes and delivering tailored financial solutions, enhancing customer experiences and operational efficiency. Recognized for supporting colleagues in system transitions and promoting teamwork.

Overview

8
8
years of professional experience

Work History

Customer Banking Specilist

Bank of Newzealand
Palmerston North
08.2022 - Current
  • Supported customers throughout home lending journey, including first home buyers, refinancing, and top-ups, while developing insights into customer needs and lending processes.
  • Guided customers on unsecured lending products, including credit cards, overdrafts, and personal loans, ensuring solutions met customer requirements.
  • Identified customer needs through financial discussions and delivered tailored solutions, providing ongoing support beyond initial requests.
  • Built strong knowledge of lending system, Policies and workflow. Support colleagues with new lending system as being one of the change champions for the region.
  • Provided expert guidance on various investment options, including KiwiSaver, to assist clients in making informed financial decisions.

Lending Operations Representative

kiwibank
Hastings
07.2021 - 08.2022
  • Settled loan accounts in core system per customer lending application
  • Executed settlement instructions to ensure positive outcomes based on customer needs
  • Ensured solicitor mortgage and title registrations were accurate and complete
  • Fulfilled new lending transactions per lender and solicitor instructions

PROJECT RELATIONSHIP MANAGER-Trade & Forex- Business Banking

ICICI BANK
Bangalore, India
07.2018 - 12.2019
  • Acquired new clients and maintained relationships with existing clients, delivering tailored banking services.
  • Managed business lending products, including LCBD and Bank Guarantee, ensuring client needs were met.
  • Facilitated foreign funding deals for startups, supporting their financial growth and operational needs.

Education

Graduate Diploma - Business Management

EIT
NZ

MBA - HR & FINANCE

AIMIT
INDIA

Bachelor of Science -

MG University
INDIA

Certificated - Business course

Santa Clara University
California, USA

Level 2 qualification - HEALTH AND WELLBEING

Skills

  • Customer service and relationship management
  • Resilience
  • Problem solving
  • Tech and digital skills
  • Effective communication
  • Financial analysis
  • Risk assessment
  • Client acquisition
  • Problem resolution
  • Banking regulations
  • Risk management evaluation background

Timeline

Customer Banking Specilist

Bank of Newzealand
08.2022 - Current

Lending Operations Representative

kiwibank
07.2021 - 08.2022

PROJECT RELATIONSHIP MANAGER-Trade & Forex- Business Banking

ICICI BANK
07.2018 - 12.2019

Graduate Diploma - Business Management

EIT

MBA - HR & FINANCE

AIMIT

Bachelor of Science -

MG University

Certificated - Business course

Santa Clara University

Level 2 qualification - HEALTH AND WELLBEING

Fency Joseph