Gideon Ramlochan
Rio Claro,.
Summary
Banking professional with comprehensive expertise in financial product sales and client needs assessment. Skilled in enhancing customer engagement through effective communication and personalized service, leading to significant loan growth and portfolio optimization.
Overview
24
24
years of professional experience
Work History
Affluent Personal Banking Officer
Scotiabank Trinidad & Tobago Limited
11.2021 - Current
- Managed portfolio of high-value clients to drive loan growth and enhance customer retention.
- Evaluated client financial needs and recommended suitable financial products and services.
- Referred clients to specialists in small business, commercial, and investment/insurance sectors.
- Ensured exceptional customer service and maintained accurate account records.
- Acquired new relationships through digital channels, including emails, calls, and marketing efforts.
- Deepened existing client relationships by uncovering additional financial needs through profiling.
- Sold financial products and convenience items using strong sales and organizational skills.
- Completed customer profile applications with 100% accuracy, collecting necessary supporting documents.
Personal Banking Officer
Scotiabank Trinidad & Tobago Limited
03.2015 - 10.2021
- Achieved monthly and annual targets for loan portfolio disbursement and collection.
- Evaluated clients' financial needs, recommending suitable products and services.
- Resolved customer inquiries and complaints promptly, ensuring satisfaction and retention.
- Acquired new relationships through targeted external marketing initiatives.
- Deepened existing client relationships by identifying additional financial needs.
- Sold financial products and convenience items using effective sales strategies.
- Conducted accurate completion of customer profiles in a computerized database.
- Motivated customers towards on-time repayment through counseling and support.
Business Banking Officer
Scotiabank Trinidad & Tobago Limited
12.2013 - 02.2015
- This role is responsible for contributing to the profitable growth of the Small Business portfolio. This includes meeting negotiated goals, business development, retention and referral goals as well as other objectives related to customer service and operational effectiveness.
- Assist the Business Banking Manager with their individual portfolio management by efficiently handling all general administration, reports, account openings, referrals, customer follow up, loan closings and other fulfillment activities
- Developing and maintaining knowledge on customers including the nature of their business, financial position and business plans
- Responding to or redirecting service request, instructing and guiding support staff ensuring ultimate customer satisfaction
- Identifying prospects using the multiple channels available
- Developing, presenting and selling customized banking solutions
- Negotiating compensation for financial products and services as applicable and within policy
- Understanding the changing needs and preferences of customers, helping them recognize those needs and matching appropriate solutions
- Completing relationship and account reviews in a timely and detailed manner
- Authorizing, renewing or declining customer request within standard policies and authorized limits, forwarding others as per established procedures
- Ensuring all documentation is properly prepared and executed, including risk assessment documents
- Identifying deteriorating or unsatisfactory trends affecting the portfolio, seizing opportunities to reduce risk and loss
- Contribute to the Branch’s overall financial and non-financial objectives
Retail Administrative Clerk
Scotiabank Trinidad & Tobago Limited
01.2003 - 02.2006
- Maintained and compiled records of transactions and office activities efficiently.
- Performed diverse clerical duties using advanced computer systems.
- Provided exceptional customer service by managing phone inquiries and delivering accurate information.
- Executed precise word processing, filing, and faxing tasks to support administrative operations.
- Conducted comprehensive internet research to facilitate credit facility approvals.
- Managed opening and closing procedures for daily banking products.
- Entered accurate data into computerized databases to enhance record-keeping accuracy.
- Operated office equipment proficiently while completing clerical assignments independently.
Mathematics Teacher
Rio Claro College Continuation Studies
09.2002 - 12.2003
- Gained comprehensive knowledge of basic teaching practices
Human Resources Clerk
Super Industrial Services
01.2003 - 04.2003
- Processed new hire information, transfers, promotions and terminations. Ensured all employees timekeeping was accurate.
- Researched employee issues with regards to payroll and benefit questions by contacting appropriate departments and reviewing company records.
- Created and prepared paperwork for all new hires, tracked attendances, recorded personal and vacation time.
- Coordinated daily operations and morning staff meetings, addressed and resolved staff complaints
- Processed background checks and coordinated drug screenings
- Scanned confidential documents into electronic filing system and categorized them for retrieval and review.
- Monitored employee file compliance by utilizing computer system to generate reports.
- Audited each employee file to update incomplete and missing paperwork in a timely manner.
Education
Planning for a Successful Retirement -
Institute of Banking & Finance of T & T
09-2011
Mastering Difficult Conversations -
Employers Solution Centre
08-2011
BA - Business & Finance Ordinary Degree
Herriot Watt University
11-2010
Microsoft Office User Specialist -
Border Com International
06-2004
GCE AS & A Level - Biology, Mathematics
Rio Claro College
06-2002
Computer Literacy -
Min. of Education / National Energy Skills Centre
07-2001
CXC O’Level - English Language, Mathematics, Principles of Business, Chemistry, Biology, Agricultural Science (DA)
Rio Claro College
01-2000
Skills
- Financial analysis and planning
- Client relationship management
- Sales strategy development
- Risk assessment and management
- Loan portfolio oversight
- Regulatory compliance expertise
- Business development initiatives
- Customer service excellence
- Effective communication skills
- Team collaboration strategies
- Credit assessment techniques
- Problem solving abilities
- Portfolio management expertise
- Relationship management skills
- Cross-selling strategies
- Customer satisfaction focus
- Verbal and written communication proficiency
- Banking policies and procedures knowledge
Personal Information
- Date of Birth: 10/29/82
- Gender: Male
- Marital Status: Married
References
- George Berrois, Accountant, 397-4169
- Mrs. Dianne Singh, Assistant Manager Personal Banking, SBTT San Juan, 788-2612
Personal Objective
A reliable, trustworthy and results driven employee who is an enthusiastic team player with leadership qualities, who is internally motivated with a vast amount of knowledge and experience in a variety of sales, marketing, customer service and administrative tasks.
Leadership Experience
While being a Personal Banking Officer at Scotiabank Trinidad and Tobago Limited I was able to develop my leadership skills by assisting with the training and development of new officers, leading the Employee Action Team, assisting with the desk of the Assistant Manager Personal Banking maintain profitability of the retail sales center.
Timeline
Affluent Personal Banking Officer
Scotiabank Trinidad & Tobago Limited
11.2021 - Current
Personal Banking Officer
Scotiabank Trinidad & Tobago Limited
03.2015 - 10.2021
Business Banking Officer
Scotiabank Trinidad & Tobago Limited
12.2013 - 02.2015
Retail Administrative Clerk
Scotiabank Trinidad & Tobago Limited
01.2003 - 02.2006
Human Resources Clerk
Super Industrial Services
01.2003 - 04.2003
Mathematics Teacher
Rio Claro College Continuation Studies
09.2002 - 12.2003
Planning for a Successful Retirement -
Institute of Banking & Finance of T & T
Mastering Difficult Conversations -
Employers Solution Centre
BA - Business & Finance Ordinary Degree
Herriot Watt University
Microsoft Office User Specialist -
Border Com International
GCE AS & A Level - Biology, Mathematics
Rio Claro College
Computer Literacy -
Min. of Education / National Energy Skills Centre
CXC O’Level - English Language, Mathematics, Principles of Business, Chemistry, Biology, Agricultural Science (DA)
Rio Claro College