Marcela Gabriela Dumitrescu
Craiova
Summary
Professional in banking with strong expertise in relationship management and client services. Proven ability to drive growth, streamline operations, and foster strong client relationships. Skilled in financial analysis, risk assessment, and strategic planning. Known for effective team collaboration, flexibility in dynamic environments, and achieving impactful results.
I believe the following motto is the most appropriate to highlight the position I have and will always have before the people I meet: "The value of a man lies in what he gives, not in what he is able to receive." (Albert Einstein)
Overview
10
10
years of professional experience
1
1
Certification
Work History
Relationship Banking Manager
Unicredit Bank
04.2022 - Current
- Maintain and develop business relationships with top affluent clients from their own portfolio, with the aim of increasing their incomes, volumes, and the number of products owned by them in relation to the bank, by promoting all savings and investment, lending, and transactional products;
- Trade financial instruments (state securities, bonds, fund units, any other financial instruments, according to the provisions of internal regulations) on behalf of clients and in compliance with the legal requirements in the matter;
- Provide the necessary support for the sales force from the units allocated for transactions with financial instruments, in order to contribute to the achievement of the objectives
- Responsible for the profitability of my own portfolio of clients through a disciplined approach regarding the price policy, in direct correlation with the commercial strategy, and through constant monitoring of the portfolio;
- Cooperate closely with colleagues from the territorial units, with the Acquisition Managers for Individual Clients, as well as with the Corporate Client Relations Managers and the Micro Client Relations Managers, in order to attract individual clients from the affluent segment.
Expert Clients Individuals
Raiffeisen Bank
06.2019 - 04.2022
- Promoted and sold the products and services offered by the bank and its subsidiaries to mass market and premium customers, both existing and potential, in the agency and in the field;
- I was responsible for the sale of all individual products, with a focus on guaranteed lending and investment/pension products, as well as their maintenance thus I exceeded the target of quarterly sales by 50% each time and I won the competition Smart Invest for the biggest sales of investment funds on the Bucharest region;
- Permanently identified solutions for developing the client portfolio and selling products offered by the Sales Programs developed by Raiffeisen Bank;
- Developed my own portfolio of clients by customizing the banking relationship and offers suitable to their profile;
- Contributed to the increase in the quality of serving my own clients, and I collaborated with the team to comply with sales standards and quality principles;
- Kept records of clients' files;
- Analyzed and approved credits at the front-office level;
- Provided information on financial instruments in accordance with the notification to the ASF;
- If needed, in the absence of the SME manager, I offered consultancy and did maintenance for legal entity clients.
Retail Customer Partner
Romanian commercial bank-BCR
08.2017 - 06.2019
- Promoted and sold the products and services offered by the bank and its subsidiaries to mass-market customers, both existing and potential, in the agency and in the field;
- Permanently identified solutions for developing the client portfolio and selling products offered by the Sales Programs developed by BCR;
- Developed my own portfolio of clients by customizing the banking relationship and offers suitable to their profile managing to exceed the quarterly sales target by more than 30% each date and won the award for the best Customer Partner Retail in December 2018;
- Achieved the best quarterly sales for services Internet Banking and loans for personal needs from a group of 10
agencies in 2019; - Contributed to the increase in the quality of serving my own clients, and I collaborated with the team to comply with sales standards and quality principles;
- Kept records of clients' files;
- Analyzed and approved credits at the front-office level.
Customer Transactions Officer
Raiffeisen Bank
10.2014 - 08.2017
- Provided and processed transactions with and without cash for clients, individuals, and legal entities in accordance with the bank's quality standards;
- Promoted and actively participated in the sale of banking products and services;
- Together with my colleagues, I realized the optimization of the plan sales depending on the new factors that appear in each project and I was permanently one of the basic people of the team mine, meeting my individual sales target every time 100%;
- Opened current accounts and savings products for clients, individuals, and legal entities;
- Checked daily account statements and household registers;
- Ensured the correct performance of operations, in accordance with legal provisions, for cash receipts and payments;
- Executed all operations related to transfers and currency exchanges for individuals and legal entities;
- Kept records of clients' files.
Education
Ph.D. - Faculty of Domestic And International Financial-Banking Commercial Relations
Romanian-American University
Bucharest, Romania07-2009
NVQ Level 4 - Mathematics-informatics
High School GRUP SCOLAR INDUSTRIAL 1 MAI
Ploieşti, Romania05-2006
Skills
- Able to communicate effectively with a wide range of clients, showing interest and listening carefully to the needs their ability demonstrated by the fact that I was one of the most good team employees;
- Presentation skills negotiation, used in the activity my sales advisor, what do they have based on specialization courses and 10 years of practical experience;
- Empathetic listener and persuasive speaker, qualities proven by improvement customer satisfaction results by 10%;
- Good timing skills management;
- Analytical thinking developed in following the experience of banking advisor where I had to present and sell the right bank products and services customer profiles;
- Ability to multitask developed in the activity of management and maintenance of products and services, being forced to optimize the client portfolio, to implement the rules and the bank's procedures and to use all communication channels;
- Adaptability and flexibility –I have to adapt all the time to the bank's business strategy which is constantly changing, just like and banking procedures and rules;
- Responsibility to work correctly and efficient in terms of security and confidentiality;
- Ability to work efficiently under pressure;
- Team spirit I got involved directly in the training of new colleagues from team;
- Computer operation: The package Microsoft Office, ICBS, ABT, CRM
Languages
English
Upper Intermediate
B2
Certification
- Certification Private pensions Pillar II and III -2017
- MIFIDII European Securities and Markets Authority certification
- Insurance certification with RAF code issued by ASF -2019
Reference
Ungureanu Simona- Director Agency Raiffeisen Bank ,Bucharest- +40 761 696 842
Timeline
Relationship Banking Manager
Unicredit Bank
04.2022 - Current
Expert Clients Individuals
Raiffeisen Bank
06.2019 - 04.2022
Retail Customer Partner
Romanian commercial bank-BCR
08.2017 - 06.2019
Customer Transactions Officer
Raiffeisen Bank
10.2014 - 08.2017
Ph.D. - Faculty of Domestic And International Financial-Banking Commercial Relations
Romanian-American University
NVQ Level 4 - Mathematics-informatics
High School GRUP SCOLAR INDUSTRIAL 1 MAI
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