Muhammad Saiful Islam

Experience

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  Starbucks

  Sept 2007 - Nov 2017

  Manager

  1) Overseeing the preparation and serving of food and beverages, ensuring that all products are made to the highest quality standards.2) Managing the team of baristas and other staff members, providing direction and support as needed.3) Maintaining a clean and organized store environment, including ensuring that equipment is properly maintained and that all health and safety standards are met.4) Monitoring cash handling procedures, ensuring that transactions are accurately recorded and that all cash is properly accounted for.5) Assisting with training and development of new staff members, and providing ongoing coaching and feedback to ensure their success.6) Resolving customer complaints and issues in a professional and timely manner.7) Ensuring that all store policies and procedures are followed, including those related to food safety, cash handling, and customer service.8) Managing inventory levels, ordering supplies as needed, and ensuring that all products are properly stored. Show less

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  DBS Bank

  Nov 2017 - Jan 2020

  Wealth Planning Manager

  1) Understanding the financial needs of clients and recommending appropriate products and services.2) Building and maintaining strong relationships with clients, through regular communication and face-to-face meetings.3) Identifying new business opportunities and cross-selling the bank's products and services to existing clients.4) Providing financial advice and guidance to clients, and helping them to make informed decisions about their finances.5) Maintaining an in-depth knowledge of the bank's products and services, and staying up-to-date with changes in the financial marketplace.6) Ensuring that clients receive prompt and efficient service, and resolving any issues or complaints in a timely manner.7) Keeping accurate records of client interactions and transactions, and preparing reports as required. Show less

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  Mortgage Master Singapore

  Jan 2020 - Jan 2021

  Mortgage Consultant

  1) Assess borrowers loan eligibility.2) Explain different type of mortgage loans and terms and conditions associated.3) Assisting borrowers in completing and submitting of loan applications.4) Working with lenders to obtain loan approval.5) Providing guidance and support throughout loan application process to conveyancing with lawfirm.6) Provide the most competitive rates across all banks and assist to appeal for deviated rates.7) Followup with client when lock in is due for refinancing. Show less

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  LoanWorks

  Mar 2021 - Aug 2021

  Mortgage Consultant

  1) Assess borrowers loan eligibility.2) Explain different type of mortgage loans and terms and conditions associated.3) Assisting borrowers in completing and submitting of loan applications.4) Working with lenders to obtain loan approval.5) Providing guidance and support throughout loan application process to conveyancing with lawfirm.6) Provide the most competitive rates across all banks and assist to appeal for deviated rates.7) Followup with client when lock in is due for refinancing. Show less

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  Leon Mortgage & Loan Advisory

  Oct 2022 - Jun 2023

  Mortgage Consultant

  1) Assess borrowers loan eligibility.2) Explain different type of mortgage loans and terms and conditions associated.3) Assisting borrowers in completing and submitting of loan applications.4) Working with lenders to obtain loan approval.5) Providing guidance and support throughout loan application process to conveyancing with lawfirm.6) Provide the most competitive rates across all banks and assist to appeal for deviated rates.7) Followup with client when lock in is due for refinancing. Show less

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  Bridge Health and Fitness

  Dec 2022 - Apr 2023

  Group Fitness Instructor

  1) Planning and preparing class content: Develop workout routines that are safe, challenging, and meet the needs of the participants.2) Demonstrating exercises: Demonstrate proper form, technique, and modifications for each exercise to ensure that participants perform the movements correctly and avoid injury.3) Motivating participants: Maintain energy and enthusiasm to keep participants engaged and motivated throughout the class.4) Maintaining a safe environment: Aware of participant’s abilities and limitations, and make necessary adjustments to ensure that the class is safe for all participants.5) Monitoring and correcting form: Observe participants and provide feedback and corrections to help them perform the exercises correctly and achieve their goals.6) Modifying exercises: Adapt exercises to meet the needs of participants with injuries or disabilities. Show less

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  CIMB Singapore

  Jun 2023 - Nov 2023

  Mortgage Specialist (Senior Sales Associate)

  1) Client Consultation: Meeting with clients to understand their financial situations and goals, educating them on available mortgage options, and helping them choose suitable loan products.2) Loan Origination: Assisting clients through the loan application process by gathering necessary documentation, evaluating client creditworthiness, and ensuring all required information is accurate for loan approval.3) Market Analysis: Staying updated on property market trends, interest rates, and CIMB's loan offerings to provide clients with informed advice.4) Collaboration with Other Departments: Working closely with underwriting and credit departments to facilitate approvals and ensure smooth processing and finalization of loans.5) Customer Relationship Management: Building and maintaining long-term relationships with clients, addressing any concerns, and providing follow-up services for refinancing or additional financial products.6) Product Knowledge and Cross-Selling: In-depth knowledge of CIMB’s mortgage products and related financial services, with the ability to identify cross-selling opportunities (e.g., insurance products, investment plans) to enhance client portfolios.7) Compliance and Risk Management: Ensuring that all loan applications adhere to regulatory and CIMB’s internal compliance policies. This involves thorough checks to mitigate risks associated with lending, such as credit risk and fraud prevention.8) Networking and Lead Generation: Actively building a network with real estate agents, property developers, and existing clients to generate new leads. This can also include attending property events and networking sessions to increase visibility and attract potential clients.9) Loan Structuring : Tailoring loan structures to meet the specific financial needs of clients, whether it's for investment properties, first-time home buyers, or refinancing. This may involve varying tenures, interest rate packages etc. Show less

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  GREAT EASTERN

  Aug 2024 - now

  Financial Services Advisor

  1) Provide tailored life, health, and general insurance solutions to meet clients' protection needs.2) Advise on investment strategies for retirement, education, and savings, with regular portfolio reviews.3) Guide clients in obtaining, managing, and optimizing property mortgages, including restructuring and refinancing.4) Develop holistic financial plans integrating insurance, investments, and mortgage strategies, with ongoing adjustments.5) Build strong relationships, offering continuous support and tailored advice as clients' needs evolve. Show less