MOHAMMED RAZIN
COCHIN
Summary
Organized and detail-oriented Teller with cash handling and customer service experience. Proven expertise in general accounting and finance concepts. Astute professional providing well-rounded customer service with strong communication skills, sales experience and deep knowledge of banking industry.
Overview
9
9
years of professional experience
Work History
Bank Teller
SERVICE COOPERATIVE BANK
COCHIN
09.2023 - 11.2023
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
- Identified transaction errors when debits and credits did not balance.
- Reported daily averages and shortages to operations department.
- Prepared reports on transaction activity for management review.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Educated customers about different types of banking services available at the branch.
- Performed special services for customers, ordering bank cards and checks.
- Balanced teller drawers regularly throughout the day according to established procedures.
- Assisted customers with basic technical issues related to digital banking platforms.
- Explained bank services, financial products and applicable fees to customers.
- Reconciled daily sales sheets with actual physical money received from customers or deposited into ATM machines.
- Counted drawers and reconciled remaining cash to accost for deposits and dispersals.
- Cashed customer checks, verified identification and checked account balances in accordance with bank policy.
- Handled large sums of money with accuracy while maintaining appropriate levels of security.
Finance Controller
AJMAN REALESTATE INVESTMENT LLC
AJMAN
05.2020 - 06.2022
- Coordinated timely collections with appropriate project managers and customers to manage cash flow.
- Complied with SOX guidelines and developed policies to maintain compliance with other regulatory statutes.
- Analyzed financial statements to identify areas of cost reduction and increased revenue.
- Validated systems and procedures to support program implementation and streamline auditing processes.
- Oversaw financial reporting, accounts payable and receivable, asset coordination, account management and budgets.
- Compiled, prepared, and filed federal and state tax returns in compliance with regulatory standards.
- Developed annual budget and compared actual expenses against projected budget.
- Advised senior management on potential investments, mergers, or acquisitions.
- Prepared monthly, quarterly, and annual financial reports in accordance with standards.
- Coordinated and finalized quarterly and annual financial reporting packages.
- Developed corporate policies around capital expenditures, investments, and debt repayment.
- Maintained records of fixed assets including depreciation schedules.
Senior Accounts Officer
LIWA PETROLEUM & INDUSTRIAL SUPPLIES LLC
ABU DHABI
08.2017 - 03.2020
- Resolved discrepancies between invoices, payments and accounts receivable ledgers.
- Prepared P&L reports and financial statements for review by management.
- Managed payroll processing and changes for employees.
- Analyzed financial data to identify areas of improvement in operations.
- Assisted in the development of annual budgets by providing relevant data points.
- Analyzed customer payment plans and credit limits, and maintained records of customer account activity.
- Produced sales documents, finalized deals and filed records.
- Developed policies and procedures related to accounts receivable management best practices.
- Handled accounts payable and receivable operations for business.
- Maintained current and accurate general ledger with all accounting data in audit-ready format.
- Participated in special projects such as budgeting exercises or cost analysis initiatives.
- Produced credit sales report and analyzed aging to identify targets for basic and advanced collections strategies.
- Developed actionable improvements for existing processes and presented to management.
Senior Finance Officer
NOOR BANK PJSC
ABU DHABI
10.2016 - 07.2017
- Fostered collaboration and development of new practices by business leaders.
- Collaborated with other departments to analyze business performance metrics and develop actionable insights.
- Negotiated and managed contractual agreements to secure ideal terms and drive effective financial engagements.
- Exceeded sales goals through upselling and cross-selling within existing client base as well as strategically attracting new business.
- Created and implemented best practices to standardize internal processes and procedures.
Teller/Finance & Accounts Executive
ABU DHABI ISLAMIC BANK
ABU DHABI
02.2015 - 10.2016
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Mitigated process gaps and managed all operational functions including account openings, trades, documentation, regulatory compliance and marketing collateral.
- Ensured compliance with all applicable laws regarding accounting practices and corporate governance standards.
- Strategized long-term business needs, utilizing customer feedback for process improvements.
Education
Bachelor of Commerce - Auditing
MG UNIVERSITY
COCHIN03-2009
Skills
- Tally
- Asset Management
- Customer Needs Assessment
- Cash Counting
- Money Transfer Systems
- Money Management
- Transaction Processing
- Teller Support
Languages
Malayalam
First Language
English
Proficient (C2)
C2
Hindi
Upper Intermediate (B2)
B2
Timeline
Bank Teller
SERVICE COOPERATIVE BANK
09.2023 - 11.2023
Finance Controller
AJMAN REALESTATE INVESTMENT LLC
05.2020 - 06.2022
Senior Accounts Officer
LIWA PETROLEUM & INDUSTRIAL SUPPLIES LLC
08.2017 - 03.2020
Senior Finance Officer
NOOR BANK PJSC
10.2016 - 07.2017
Teller/Finance & Accounts Executive
ABU DHABI ISLAMIC BANK
02.2015 - 10.2016
Bachelor of Commerce - Auditing
MG UNIVERSITY
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