Muna Ramadan
Aurora
Summary
Dynamic Business Banking Relationship Manager with expertise in financial analysis, compliance, and client advisory. Committed to fostering strong client relationships and enhancing banking solutions to drive profitability.
Overview
10
10
years of professional experience
Work History
Business Banking Relationship Manager
BMO Financial Group
Hinsdale
07.2023 - Current
- Analyzed financial statements to assess creditworthiness of potential borrowers.
- Cultivated relationships with business clients to effectively identify and address their banking needs.
- Monitored industry trends to identify opportunities for enhancing service offerings.
- Negotiated loan terms and conditions with borrowers.
- Conducted regular reviews of existing accounts to ensure compliance with regulations.
- Provided tailored advice on financial products, including loans, lines of credit, and overdrafts, to meet clients' specific requirements.
- Provided advice on cash flow management, budgeting and investment options for businesses.
- Analyzed financial data to identify trends in client profitability and liquidity.
Small Business Banker
Bank of America
Oak Brook
07.2016 - 07.2023
- Leveraged customer service and sales abilities to consistently meet performance goals.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Collaborated with compliance and legal teams to address regulatory issues in lending activities.
- Assisted customers with opening new accounts while ensuring accuracy of all paperwork submitted.
- Identified and pursued cross-selling opportunities for banking products and services to enhance customer value.
- Attended conferences and seminars related to small business banking topics in order to stay current with industry trends.
- Provided timely follow-up communication with customers when requested information is incomplete or incorrect.
- Processed loan payments from customers, including tracking payments received and outstanding balances due.
- Reviewed clients' financial statements, tax returns, cash flow projections, and other information related to the loan application process.
- Participated in community events such as Chamber meetings or networking groups to promote bank services.
- Analyzed customer portfolios in order to recommend appropriate banking products and services.
- Prepared loan documents and presented them to clients for review and approval.
- Identified areas of potential growth within a customer's portfolio by recognizing trends in their industry sector.
- Responded promptly to customer inquiries via phone calls or emails regarding account status updates or general questions about banking services offered.
- Developed relationships with small business owners to assess and address their financial needs effectively.
- Served as a liaison between customers, lenders, underwriters, attorneys, appraisers. throughout the life cycle of a loan.
- Consulted with small business customers to determine needs and means and propose personalized banking solutions.
Education
Bachelor of Arts -
DePaul University
Chicago, ILSkills
- Credit assessment
- Compliance review
- Loan negotiation
- Client advisory
- Financial analysis
- Customer relationship management
- Sales strategy development
- Cross-selling opportunities
- Problem solving
- Relationship building
- Time management
- Team collaboration
- Portfolio management
- Cross-selling products
- Deal structuring
- Customer service
- Staff recruitment and hiring
Timeline
Business Banking Relationship Manager
BMO Financial Group
07.2023 - Current
Small Business Banker
Bank of America
07.2016 - 07.2023
Bachelor of Arts -
DePaul University