Florence Ratna Antony
Head Of Commercial Banking Center
Johor Bahru, Johor,01
Summary
Accomplished leader in Commercial and Business Banking at Maybank, adept at credit underwriting and fostering strong client relationships. Demonstrated success in driving team performance and profitability through effective supervision and collaboration. Excelled in optimizing banking solutions, ensuring client satisfaction and regulatory compliance. Proven track record in achieving targets and enhancing customer engagement with a positive, results-driven approach.
Overview
18
18
years of professional experience
3
3
years of post-secondary education
2
2
Certifications
Work History
Head of Commercial Banking Center
Maybank
09.2014 - Current
- Responsible for managing a Commercial portfolio of 11,900 (SME, Mid Market & Large Commercial) including evaluating their loan applications, conducting credit reviews, marketing and cross-selling a wide range of banking products and services.
- Identify clients’ needs, perform detailed analysis and evaluation, structure detailed financing terms and capture new financing and / or cross selling opportunities; negotiate for best margins to optimize profitability.
- Deliver both in terms of speed and quality for all KPIs assigned.
- Ensure accuracy on customer due diligence (“CDD”) and Know Your Customer (“KYC”).
- Lead and inculcate team’s good credit and asset quality management practice. Supervising Account Officer and Account Manager with team.
- Facilitate Loans & Deposit growth and effective capital management at the team's level in order to achieve overall Commercial Banking business strategy.
- Recommend proposal and/or detailed terms sheet for pitching and negotiation with clients.
Deputy Head of Business Banking
Maybank
05.2014 - 04.2016
- Actively solicit for Loans and Deposit - ensure end to end follow through to make sure effort turns into productivity.
- Achieve sales target allocated for Loans and Deposits and on boarding of new customer target.
- Perform proper introduction of customers and conduct join introduction visitation with Account Manager.
- Maintain and build good rapport with internal and external customer for business referrals.
- Adhere to regulatory requirements and processes being practiced at all times.
Relationship Manager, Business Banking
Maybank
09.2006 - 04.2014
- Responsible in building strong relationship and enhancing relationship to ensure client's optimum utilization of banking facilities in accordance with bank's prescribed standards and regulatory requirements.
- Perform credit evaluation and establish / maintain account relationships with both existing and prospective customers.
- Achieve sales target, contribute to profitability and growth of Centre by developing and maintaining customer relationship through utilizing full spectrum of banking products and services.
- Boosted client portfolio growth, identified cross-selling and upselling opportunities through detailed needs analysis
Education
BBA - Accounting And Finance
University of Malaya
Kuala Lumpur, Malaysia 07.2001 - 09.2004
Skills
Friendly, Positive Attitude
Teamwork and Collaboration
Supervision and leadership
Flexible and Adaptable
Customer Service
Team Management
Excellent Communication
Credit Underwriting
Certification
Certified Credit Professional, Business (AICB)
Timeline
Professional Banker (AICB)
11-2019
Head of Commercial Banking Center
Maybank
09.2014 - Current
Deputy Head of Business Banking
Maybank
05.2014 - 04.2016
Certified Credit Professional, Business (AICB)
06-2012
Relationship Manager, Business Banking
Maybank
09.2006 - 04.2014
BBA - Accounting And Finance
University of Malaya
07.2001 - 09.2004
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