Summary
Overview
Work History
Education
Skills
Additional Information
Interests
Timeline
OperationsManager
Chiao Wen Tan

Chiao Wen Tan

Master Business Adminstration (MBA)
Johor Bahru ,Johor

Summary

- represented only Malaysian to Germany attending seminar


- top 50 Wealth Advisory in Malaysia


- top sales teams / personal target in all The bank records in Malaysia


- willing to learn for New, extra miles / effort to Do best in my career part

Overview

21
21
years of professional experience
4
4
Languages

Work History

Agency Manager

Zurich Financial Services
06.2021 - Current
  • Increased agency revenue by implementing effective sales strategies and coaching team members on best practices.
  • Built a culture of accountability within the organization by establishing clear expectations for individual performance.
  • Facilitated open communication channels within the agency environment that promoted collaboration towards shared goals among staff members.
  • Protected client and co-worker confidentiality, maintained data privacy compliance and adhered to HIPAA restrictions.
  • Recruited trained, and mentored a high-performing team of insurance agents, fostering professional growth and development.
  • Managed staff performance of staff by proactively addressing deficiencies and training weaknesses.
  • Answered phone calls and e-mails regarding inquiries and arranged meetings for official business.
  • Implemented targeted marketing campaigns to generate new business leads and increase market share within the region.
  • Optimized resource allocation by monitoring agent productivity levels and adjusting staffing as needed for maximum efficiency.
  • Fostered strong relationships with community partners, participating in local events to increase brand awareness and promote the agency''s commitment to customer satisfaction.
  • Managed a diverse portfolio of clients, ensuring personalized service and appropriate coverage based on individual needs.
  • Established clear performance metrics for the team, providing regular feedback and coaching to drive continuous improvement.
  • Continuously sought opportunities for professional development through training courses, seminars, and industry conferences, ensuring an up-to-date knowledge base.
  • Leveraged technology platforms for efficient management of client accounts, policy changes, claims processing, and billing inquiries.
  • Created annual budgets and monthly expenditure reports for different offices and departments.
  • Led monthly team meetings to review performance metrics, address challenges, and celebrate successes as a cohesive unit.
  • Maintained personnel files and regularly conducted audits to verify accuracy of information.
  • Streamlined internal processes to improve overall efficiency and reduce operating costs for the agency.
  • Analyzed sales data to identify trends and areas for improvement, leading to the implementation of successful action plans.
  • Attended seminars, conferences and organizational activities to maintain management expertise.
  • Approved staff hiring, termination, promotions and department transfers.
  • Conserved agency resources and minimized waste by accurately logging company property, supplies and equipment to avoid duplicative ordering.
  • Complied with Type laws and funding requirements at each level of government from local to federal.
  • Achieved consistent year-over-year growth in both revenue generation and client acquisition through strategic planning and execution.
  • Networked and assisted county, state and federal government agencies.
  • Developed strong relationships with key clients, resulting in increased client satisfaction and retention rates.
  • Established Type program to monitor agency services and identify opportunities to measure actions.
  • Collaborated with cross-functional teams to develop innovative products and services tailored to customer needs.
  • Managed agency budget and finances, implementing cost-saving measures while maintaining a high level of service quality for clients.
  • Maintained compliance with industry regulations by conducting regular audits of policies, procedures, and employee practices.
  • Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
  • Implemented business strategies, increasing revenue, and effectively targeting new markets.
  • Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
  • Assisted in recruiting, hiring and training of team members.
  • Tracked trends and suggested enhancements to both challenge and refine company's product offerings.
  • Interacted well with customers to build connections and nurture relationships.
  • Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
  • Scheduled employees for shifts, taking into account customer traffic and employee strengths.
  • Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
  • Implemented innovative programs to increase employee loyalty and reduce turnover.
  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
  • Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
  • Reduced budgetary expenditures by effectively negotiating contracts for more advantageous terms.
  • Trained and guided team members to maintain high productivity and performance metrics.
  • Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
  • Reduced operational risks while organizing data to forecast performance trends.
  • Negotiated price and service with customers and vendors to decrease expenses and increase profit.
  • Reported issues to higher management with great detail.
  • Managed purchasing, sales, marketing and customer account operations efficiently.
  • Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
  • Updated and resolved incidents and managed accessorial charges objectively while maximizing profit.
  • Supervised creation of exciting merchandise displays to catch attention of store customers.
  • Raised property accuracy and accountability by creating new automated tracking method.

Sales Manager

Cimb Bank Berhad
04.2014 - 04.2021
  • Increased sales revenue by developing and implementing effective sales strategies.
  • Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
  • Built long-lasting client relationships through excellent customer service and consistent followups.
  • Handled customer relations issues, enabling quick resolution, and client satisfaction.
  • Led a successful sales team by providing motivational coaching and performance-based incentives.
  • Managed key accounts with strategic planning and relationship building, resulting in increased customer loyalty and repeat business.
  • Analyzed market trends to identify new business opportunities, leading to expansion into profitable territories.
  • Organized regular sales meetings to review progress, share best practices, and set achievable targets for continued success.
  • Consistently met or exceeded quarterly sales targets through diligent effort and persistence in closing deals.
  • Negotiated contracts with vendors and suppliers, ensuring the best pricing and terms for company profitability.
  • Overcame objections from potential clients by addressing concerns effectively and offering customized solutions based on their unique needs.
  • Developed comprehensive product knowledge, enabling tailored solutions for clients'' specific needs.
  • Assisted in recruiting top talent for the sales team, contributing to a high-performing work environment.
  • Collaborated with marketing teams to create targeted promotional campaigns, driving customer engagement and sales growth.
  • Provided ongoing training and mentorship for junior sales staff, fostering professional development and career growth.
  • Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team.
  • Evaluated competitor offerings to adapt sales strategies and maintain competitive advantage.
  • Attended industry events and conventions to expain sales opportunities.
  • Enhanced sales team morale and cohesion, organizing team-building activities and maintaining open communication channels.
  • Achieved significant cost reductions by negotiating better terms with suppliers and vendors.
  • Optimized sales funnel management, enhancing lead generation and conversion rates.
  • Increased sales force productivity by introducing sales automation tools and streamlining administrative tasks.
  • Established metrics-driven sales culture, setting clear performance indicators and regularly reviewing progress.
  • Expanded market share by identifying and penetrating untapped markets.
  • Boosted customer retention rates, establishing robust follow-up system and personalizing client interactions.
  • Conducted comprehensive market research to identify new opportunities and trends.
  • Negotiated partnerships with complementary businesses, creating synergies and expanding customer base.
  • Implemented comprehensive customer relationship management strategy, improving client satisfaction and loyalty.
  • Drove regional sales growth, implementing innovative marketing strategies and cultivating key partnerships.
  • Pioneered adoption of sustainable practices in sales operations, leading to recognition as industry leader in sustainability.
  • Improved sales forecasting accuracy, utilizing data analytics to predict market trends and adjust sales strategies accordingly.
  • Secured lucrative contracts with major accounts, leveraging strong negotiation skills and deep industry knowledge.
  • Exceeded sales targets consistently, through strategic planning and execution of targeted sales initiatives.
  • Enhanced team performance with comprehensive training sessions, focusing on product knowledge and sales techniques.
  • Developed competitive analysis framework, enabling proactive adjustments to sales tactics and strategies.
  • Spearheaded launch of new products, conducting market research and guiding development team on customer needs.
  • Streamlined sales processes for efficiency, adopting new CRM tools and technologies.
  • Elevated brand visibility, coordinating with marketing to launch successful promotional campaigns.
  • Fostered culture of continuous improvement, encouraging feedback and implementing best practices in sales operations.
  • Built relationships with customers and community to establish long-term business growth.
  • Achieved sales goals and service targets by cultivating and securing new customer relationships.
  • Collaborated with upper management to implement continuous improvements and exceed team goals.
  • Resolved problems with high-profile customers to maintain relationships and increase return customer base.
  • Implemented systems and procedures to increase sales.
  • Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
  • Prepared sales presentations for clients showing success and credibility of products.
  • Organized promotional events and interacted with community to increase sales volume.
  • Demonstrated products to show potential customers benefits and advantages and encourage purchases.
  • Enhanced profitability by developing pipelines utilizing marketing and sales strategies.
  • Communicated product quality and market comparisons by creating sales presentations.
  • Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
  • Managed accounts to retain existing relationships and grow share of business.
  • Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
  • Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems.
  • Compiled and analyzed data to determine approaches to improve sales and performance.
  • Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
  • Boosted marketing, reviewed pricing strategies and expanded distribution channels to increase sales revenue.
  • Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
  • Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
  • Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
  • Managed revenue models, process flows, operations support, and customer engagement strategies.
  • Increased sales volume and expanded product line to new retailers, warehouse clubs and natural food chains.
  • Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
  • Facilitated business by implementing practical networking techniques.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Developed compelling presentation decks to gain approval for ideas and communicate results.
  • Delivered recommendations to long-term accounts to promote brand awareness to key audience.
  • Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
  • Collaborated with advertising group to create uniformity between advertising messages and retail incentives.
  • Drove sales by developing multi-million dollar contract sales.

SME Relationship Manager

Alliance Bank Berhad
01.2012 - 03.2014
  • Assisted in developing annual budgets, forecasts, and strategic plans for the SME division within the organization.
  • Managed a diverse portfolio of small-to-medium enterprises, ensuring optimal risk management and profitability.
  • Facilitated successful business expansions by guiding clients through the process of obtaining additional funding or resources.
  • Participated in networking events and industry conferences to maintain strong connections within the SME community.
  • Conducted comprehensive market research to identify new business opportunities within the SME sector.
  • Collaborated with cross-functional teams to streamline internal processes for improved efficiency in client servicing.
  • Implemented targeted marketing campaigns that successfully attracted new clients and expanded the existing customer base.
  • Developed strong rapport with clients through regular communication, timely responses, and proactive updates on their accounts.
  • Built long-lasting partnerships with key stakeholders such as local chambers of commerce, government agencies, and industry associations to further promote the bank''s SME offerings.
  • Enhanced client satisfaction levels by regularly reviewing account performance and recommending improvements where necessary.
  • Designed customized financing solutions that met clients'' unique business requirements and financial objectives.
  • Optimized portfolio performance by closely monitoring account activities and proactively addressing potential issues or risks.
  • Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
  • Coordinated with legal teams to ensure compliance with regulatory requirements during contract negotiations and loan disbursements.
  • Negotiated favorable terms with lenders on behalf of clients, securing competitive interest rates and repayment schedules.
  • Evaluated the competitive landscape and adjusted strategies accordingly to maintain a strong market position within the SME sector.
  • Mentored junior relationship managers, sharing industry insights and best practices for effective client management.
  • Delivered informative presentations on various financial products and services, helping clients make informed decisions about their businesses'' growth strategies.
  • Continuously updated personal knowledge on industry trends, products, and regulations to provide clients with accurate and up-to-date advice.
  • Increased loan approval rates by conducting thorough credit assessments and presenting compelling business cases.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Maintained knowledge on banking products and distribution to provide optimal service support.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Participated in staff meetings to discuss innovative strategies to improve services.
  • Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
  • Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
  • Enhanced profitability by developing pipelines utilizing marketing and sales strategies.
  • Managed accounts to retain existing relationships and grow share of business.
  • Demonstrated products to show potential customers benefits and advantages and encourage purchases.
  • Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
  • Compiled and analyzed data to determine approaches to improve sales and performance.
  • Developed compelling presentation decks to gain approval for ideas and communicate results.
  • Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
  • Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
  • Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
  • Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
  • Communicated product quality and market comparisons by creating sales presentations.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems.
  • Resolved problems with high-profile customers to maintain relationships and increase return customer base.
  • Collaborated with advertising group to create uniformity between advertising messages and retail incentives.
  • Managed revenue models, process flows, operations support, and customer engagement strategies.
  • Organized promotional events and interacted with community to increase sales volume.
  • Built relationships with customers and community to establish long-term business growth.
  • Achieved sales goals and service targets by cultivating and securing new customer relationships.
  • Collaborated with upper management to implement continuous improvements and exceed team goals.
  • Implemented systems and procedures to increase sales.
  • Prepared sales presentations for clients showing success and credibility of products.
  • Boosted marketing, reviewed pricing strategies and expanded distribution channels to increase sales revenue.
  • Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
  • Increased sales volume and expanded product line to new retailers, warehouse clubs and natural food chains.
  • Delivered recommendations to long-term accounts to promote brand awareness to key audience.
  • Facilitated business by implementing practical networking techniques.
  • Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
  • Drove sales by developing multi-million dollar contract sales.

Senior Mortgage Loan Officer

HSBC Bank
01.2010 - 12.2011
  • Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
  • Regularly reviewed and updated loan pricing to maintain competitiveness in the marketplace and maximize profitability for the company.
  • Assisted in the development of junior loan officers through mentoring and coaching sessions, improving overall team performance.
  • Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
  • Consistently met or exceeded sales targets by establishing a strong professional network within the local community.
  • Delivered engaging presentations at homebuyer seminars to educate potential clients on the home buying process and available financing options.
  • Participated in industry events to stay current on trends and changes within the mortgage lending landscape.
  • Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
  • Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
  • Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Maintained compliance with federal regulations and company policies during all stages of the mortgage process.
  • Conducted thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
  • Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly.
  • Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
  • Contributed to departmental growth by identifying opportunities for improvement and recommending solutions based on industry best practices.
  • Streamlined processes within the department by implementing new technologies that increased efficiency in the workplace.

Mortgage Loan Processor

Malayan Banking Berhad, MAYBANK
01.2004 - 12.2009
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
  • Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
  • Contributed to business growth through diligent work on complex loan applications that resulted in successful closings.
  • Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
  • Communicated with originator and applicant concerning progress of loan file.
  • Improved loan processing time by streamlining the application review process and enhancing communication with clients.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Streamlined client communications by creating an organized system for tracking correspondence and followups.
  • Handled any conditions sent from underwriting departments.
  • Processed mortgage loan applications accurately and successfully for over Number years.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Maintained accurate records of loan processing activities and documents in CRM system.
  • Mitigated risk exposure for the organization through careful evaluation of applicant creditworthiness before proceeding with the loan process.
  • Educated customers on loan services and regulations to confirm compliance.
  • Set up and completed loan submission packages.
  • Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
  • Developed strong working relationships with real estate agents, further expanding referral networks for the company.
  • Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Prepared file for final clear-to-close by branch management.
  • Boosted team efficiency by training new Mortgage Loan Processors on company policies, procedures, and software systems.
  • Achieved high levels of accuracy in document processing, double-checking details against application requirements.
  • Ensured client confidentiality and security of personal information, adhering to strict data protection protocols.
  • Mitigated financial risks, conducting in-depth analysis of applicants' financial stability and potential for repayment.
  • Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.

Education

Master Business Adminstration - Business Adminstration

Universiti Teknologi Malaysia
Ipoh
11.2024

Certificate Ethics Banking - Asian Banking

Asian Banking School
Kuala Lumpur
12.2017

Diploma LCCI Accounting - Accounting And Finance

LOCKE ACADEMY
Negeri Sembilan
12.2009

Skills

Product development

Additional Information

  • Learning extra
  • Do best to Create value
  • Helping / Caring each other
  • Development to acheive Goal

Interests

Travel for learning cultural in asian

Timeline

Agency Manager

Zurich Financial Services
06.2021 - Current

Sales Manager

Cimb Bank Berhad
04.2014 - 04.2021

SME Relationship Manager

Alliance Bank Berhad
01.2012 - 03.2014

Senior Mortgage Loan Officer

HSBC Bank
01.2010 - 12.2011

Mortgage Loan Processor

Malayan Banking Berhad, MAYBANK
01.2004 - 12.2009

Master Business Adminstration - Business Adminstration

Universiti Teknologi Malaysia

Certificate Ethics Banking - Asian Banking

Asian Banking School

Diploma LCCI Accounting - Accounting And Finance

LOCKE ACADEMY

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Chiao Wen Tan Master Business Adminstration (MBA)