Zamzurina Kholil

• Work closely with Branch Manager to align operations and the staff towards achieving the business and branch goals in line with the Bank policies and procedures.
• Manage daily operations of the branch and stand in as acting Branch Manager in his/her absence.
• To check and monitor the KYC Refresh, ODD review exercise and AML CFT high risk tagging exercise.
• Identify and build rapport with existing & potential customers, and maintain effective relations with them.
• Ensure consistent delivery of high quality services to customers by exceed customer expectation guide by the Service Level Agreement, efficient/accuracy standards and good business processes/judgment.
• To ensure requirement of Know Your Customer (KYC), Anti Money Laundering (AML) and Compliance procedures and documentation are in place and to achieve satisfactory branch audit rating by the bank.
• To comply with bank's standard operating procedures (SOP), policies and guidelines.
• To do marketing campaign (market outlook & latest product promotion) with Branch Manager and Product Specialist team to cross-sell to customers.

Achievements:

• Annual winner champion for the Branch Star Award 2024 in recognition of outstanding branch operation performance.
• Promoted from Senior Customer Relationship Manager to the Assistant Branch Manager in 2022.
• Relief Branch Manager for Sg Petani Branch November 2017-December 2017.
• Relief Branch Manager for Kelana Jaya Branch August 2017-September 2017.
• Ranking no 7/33 for RETAIL BANKING - INDIVIDUAL SALES PERFORMANCE (ASSETS) /Personal Financing for year 2017.
• 10th Years Long Service Reward - Trip to Turkey in 2016.
• Ranking no 7/30 for RETAIL BANKING - INDIVIDUAL SALES PERFORMANCE (ASSETS) /Personal Financing for year 2016.
• 2012 Top Performer for Personal Financing & Wealth Management (Gold-i) For Al Rajhi Bank.
• Winner for the 2nd PF Achiever's Club Sales Challenge 1 Jan 2012-31 Aug 2012 (Gold Coast Australia Trip).
• Winner for the Wealth Management Asia Challenge Campaign Oct 2011-March 2012 (Japan Trip).
• Sales Excellent Award for Affluent Banking Gold-i as Top Individual Sales (Branch) April-June 2011
• Ranking no 5/22 among Customer Relationship Managers in Al Rajhi Bank for year 2011 performance.

• To ensure on the availability, completeness and correctness of the document against pre-disbursement checklist.
• To record non-compliance in the checklist's remark report whenever error, discrepancy, omission or unavailability of documents are detected.
• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.

• Developed strong relationships with clients, resulting in increased repeat business and referrals.
• Managed pipeline of loans from origination to closing, ensuring timely completion of each step in the process.
• Implemented cross-selling strategies by promoting additional bank products during client interactions which led to increased revenues for the institution.
• Qualified for consecutive 2 years Bumiputra Commerce Bank Bhd Sales Convention.

• Achieved sales goals and service targets by cultivating and securing new customer relationships.
• Delivered exceptional customer service, resulting in a high percentage of repeat business and client referrals.
• Developed key partnerships, resulting in increased lead generation and cross-selling opportunities.

• Managed relationships with key industry partners and implemented promotional initiatives to maximize marketing program performance.
• Researched industry and marketplace trends to develop marketing solutions and enhance business operations.

• I have done my practical training for 2 months and was attached to Agency Department of SAJ Holdings Sdn.Bhd. During my training I have been given the tasks to the thesis and conduct the research title 'Complaints at customer services provided by SAJ Holdings and customer perspective towards SAJH as a service provider.
• Increased overall team efficiency through the implementation of hands-on, practical training methods.