M Hawa

Results-driven banking professional with over six years of experience in consultative sales, relationship management, and underwriting within the financial sector. Proven expertise in business development, customer advisory services, and credit analysis. Entrepreneurial and action-oriented, with a strong ability to develop strategic financial solutions that help clients achieve personal and business objectives.

Bilingual and highly skilled in building long-term client relationships while ensuring compliance with regulatory standards.

Primum Banker at Atlantic Union Bank (2025-10 – Present)

• Daily currency transactions, coordinating or making daily overdraft decisions, loan servicing, and review of account activity, new business account opening, wire initiations, fraud and other requests.
• Daily working with digital banking technologies and customer education, including Zoom meetings, appointment scheduling tools, Docu-Sign, and online banking platforms.
• Drive proactive sales conversations through internal and external interactions, including outbound calling, service-to-sales initiatives, and appointment setting.
• Identify customer lending needs and recommend appropriate financial solutions.
• Review individual performance using scorecards and performance management tools, making necessary adjustments to meet and exceed sales goals.

Premium Retail Banker at TD Bank (2024-09 – 2025-08)

• Provided day-to-day team leadership and work direction to ensure efficient delivery of personalized and complex banking services while maintaining compliance with regulatory standards.
• Led the team in handling complex sales and advisory activities involving multi-step processes, multiple systems, and cross-functional partners.
• Established clear role ownership and operational direction while consistently achieving daily, quarterly, and annual performance objectives.
• Drove operational excellence, including cash handling, vault management, cash ordering, negotiable instrument control, and monthly and quarterly audits.

Financial Service Advisor at TD Bank (2022-01 – 2024-08)

• Sold a wide range of financial products and services, including personal and business accounts, consumer loans, HELOCs, and mortgage products.
• Performed teller transactions such as deposits, withdrawals, and check cashing while maintaining accuracy and compliance.
• Managed the end-to-end customer service process, handling both over-the-counter transactions and complex sales or service requests.
• Educated customers on alternative banking solutions and identified opportunities to deepen relationships through referrals.
• Engaged customers in the lobby, promoting digital banking tools and solutions to improve efficiency and customer experience.

Office Assistant at Moraine Valley Community College (2016-10 – 2017-12)

• Answered and directed inquiries from office visitors in a professional manner.
• Maintained office security by following established procedures and monitoring logbooks.
• Received, sorted, and distributed incoming and outgoing mail.

Retail Credit Assistant at International Bank of Qatar (2010-10 – 2015-05)

• Evaluated customer credit records and recommended payment plans based on earnings, payment history, and account activity.
• Processed manual loan deferments using the Loan Origination System (LOS) in compliance with Central Bank regulations and quality standards.
• Reviewed customer files to identify delinquent accounts for referral to collections.
• Verified employment and income details by contacting employers, including confirmation of salary history and variances.

Sr Customer Service Representative at Emirates NBD (2001-11 – 2006-08)

• Sold a wide range of banking products, including deposit accounts, credit cards, vehicle loans, and personal loans.
• Assisted customers with completing applications and maintained follow-up throughout the loan and credit approval process.
• Handled inbound customer inquiries and complaints, as well as outbound campaigns for data validation and customer outreach.
• Managed high-volume contact center calls for multiple banking brands, providing accurate product and service information.

Associate degree in Business Admin – Moraine Valley College