Angelique Bowden has 13 years of experience in the financial sector working for two major South African banks. She is currently a Senior Services Manager at Nedbank Business Banking, where she has worked for nearly 7 years. Prior to this, she held roles in retail banking including retail banker sales and services. She also has experience working for British Airways and the South African National Defence Force, where she served as a fire fighter. She holds qualifications including a Junior Management program certificate from GIBS and FAIS Compliant Deposit 1A certification.
My long-term experience in the service industry has taught me how to meet and exceed each customer's expectations with service provided. I have assisted all types of customers in all types of settings. I realized that acquiring and maintaining loyal repeat business as well as spreading the word of such business through these loyal patrons is of the utmost importance in every company.
My long-term experience in the service industry has taught me how to meet and exceed each customer's expectations with service provided. I have assisted all types of customers in all types of settings. I realized that acquiring and maintaining loyal repeat business as well as spreading the word of such business through these loyal patrons is of the utmost importance in every company.
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Cap 26 financiamiento y planeacion a corto plazo 9° Ross_Finanzas para la con...IVAN PALOMINO GUTIERREZ
CAPITULO 26
FINANCIAMIENTO Y PLANEACION A CORTO PLAZO
Este capitulo introduce los elementos básicos de las decisiones financieras a corto plazo.
En primer lugar examinamos las actividades de operación a corto plazo de la empresa, luego identificamos algunas alternativas de política financiera a corto plazo y por ultimo presentamos los elementos básicos de un plan financiero a corto plazo y describimos los instrumentos de financiamiento a corto plazo.
Debemos tener presente que la diferencia mas importante entre las finanzas a corto y largo plazos es el momento en que se reciben los flujos de efectivo.
1. Angelique S. Bowden
Lofts North No. 10 (M): +27 72 5399145
South downs Estate,
Centurion,
Gauteng (E): AngeliqueBo@nedbank.co.za
CAREER PROFILE
I have 13 years of experience in the financial sector. This has involved a
comprehensive contribution to the banking industry whilst working for two leading
banks of South Africa in roles spanning across retail and business banking. Having
started out in retail in banker sales and services, bulk telling, retail banker and my
latest role as Senior Services Manager at Nedbank Business Banking in East
Gauteng for a period of almost 7 years. This has included, amongst other key
competencies, the facilitation of the sales process for new and existing products,
management and execution of client transactional maintenance, developing and
maintaining purposeful and meaningful contacts, relationships, alliances and
partnerships both internally and externally.
My experience in the South African National Defence Force in the early parts of my
career, has instilled in me the ambition, drive, and discipline to excel at whatever I set
my mind to.
Career Summary /Employment Summary
Post : Services Manager (Senior)
Name of Employer : Nedbank Business Banking East Gauteng
Period : March 2008 – Current
Post : Retail Banker Sales and Services /Branch Host
Name of Employer : Nedbank Retail Banking /SBS Flagship Branch
Period : July 2006 – February 2008
Post : Customer Services Agent
Name of Employer : British Airways Comair
Period : April 2005 – June 2006
Post : Data Capture/Administrator
Name of Employer : Tshwane University of Technology
Period : November 2004 – March 2005
Post : Bulk Teller
Name of Employer : ABSA Cash Centre Branch (Durban & Pretoria)
Period : November 2002 –November 2004
Post : Consultant Sales
Name of Employer : Virgin Active Gym (Pretoria)
Period : February 2002 – May 2002
Posts : SANDF (Protection Services)/ (Fire Fighter )
Name of Employer : SANDF (S.A. Navy Fire Department)
1
2. Mrs Angelique S. Bowden: CV/Resume (M) +27 072 5399145 (E)
AngeliqueBo@Nedbank.co.za
Period : Intake October 1996 – Exit February 2002
Career History/Employment History
1) Nedbank Business Banking East Gauteng (Services Manager-SENIOR)
Duration: March 2008-Current
Responsibilities:
Facilitation of sales process for new and existing Products
Building and developing current and new client relationships
o Resolve Client queries
o Management and Execution of Client Transactional Maintenance
Requests Initiating, developing maintaining purposeful
&meaningful contacts ,relationships ,alliances & partnerships
Maintenance of relevant Client Physical Documentation in Front end
compliance and process (e.g. NCA /FICA – company documentation
/FAIS /SODA)
Development and maintenance of networks with internal and external
services providers.
Continuously growing business with new leads ,cross-sell upsell and proactively
interact with Client (e.g. Visits ,Calls, updating clients with new products ,quick
turnaround times on query request and keeping client informed (SLA time)
Meet clients expectation, provide them with exceptional client service
Achievements:
Nedbank Corporate Induction (Bank compliance )
Coaching certificate
Assist and coach new trainee SM or BST in up skill
2010 Junior Management program (JMP - GIBS)NQF5 -120credits
Received awards for exceptional customer services
Achieved to work in all types of portfolios (e.g. Platinum ,Gold ,Green
,Emerald and Professional Clients
Recognition Rewards
2
3. Mrs Angelique S. Bowden: CV/Resume (M) +27 072 5399145 (E)
AngeliqueBo@Nedbank.co.za
2) Nedbank Retail Banking /SBS Flagship Branch (Retail Banker Sales and Services /Branch Host)
Duration: July 2006 – February 2008
Responsibilities :
• Sales and Services
• Building and developing current and new client relationships
• Ensures Bank clients interface & engagement is optimally managed and, client
expectations are validated.
• Leverages relationships to gather client information & enable deals.
• Branch Host – Branch Merchandising
• Branch Reports
• Manager Client entrance onto the floor
• Branch Buzzer –Nedbank Daily Communications received and circulated to the rest
of branch staff
Achievements:
FAIS Compliant Deposit 1A/ Damelin Business School
Bankers Curriculum /Retail all Products Requirements
Bank Compliance training policies and procedures e.g. FICA ,NCA, Deposits 6 to 12
months (long term and short term)
MS Excel Basic, Intermediate and Advanced
British Airways Comair (Customer Services Agent ) Duration: April 2005 – June 2006
Responsibilities:
Daily Checking in of Customers, balancing of flights.
Control of outstanding Customers before flight may take off
Service Control/Crowd control delay of flights/Host
ACHIEVEMENTS:
• British Airways Start-up Course
• ACIA Airside Induction
• First Steps to DCI Check-in
• E-Ticking for Check-in Staff
• OHSA /First aider
3
4. Mrs Angelique S. Bowden: CV/Resume (M) +27 072 5399145 (E)
AngeliqueBo@Nedbank.co.za
3) Tshwane University of Technology DataCapture/Administrator :Contractor High Peak Registration
Season.
Duration: November 2004 – March 2005
Responsibilities :
Administration and registration of New and Existing Students.
Delivering speedy services to new and existing Students
Guidelines and SLA of the University process and requirements
Information capture on Tshwane University of Technology systems
The taking in of outstanding fees and new payments
The disbursement of reading material, timetables and a list of course material requirements
Achievements :
o The ability to interact with people on different level
o Understand people needs and provide high quality turnaround times.
o Provide and maintain exceptional client services.
o ABSA Cash Centre Branch Durban & Pretoria:
ABSA BANK Bulk Teller From November 2002- November 2004
Responsibilities:
o Taking in funds on a large scales ,ability to counter at a high speed
o Compliances and Security awareness when dealing with Different Clients funds
o RECON of each transaction once each deposit is completed
o Non Facing client roll only if client escalate a query then face to face occurs with
the recount of clients deposit.
Achievements:
o How to handle large amount of cash at a fast pace. Accuracy , speed ,financial
knowledge.
o Visual - lint of my surroundings
o Started on a 3 month contract and became (1 of 10) staff that was employed permanently
(selection was out of 20 contractors)
Virgin Active Gym (Pretoria) Consultant Sales & Services From February 2002 – May 2002
Responsibilities:
o Consult with members new and existing.
o Retain Members (Conversion’s) Health and Racquet members to Virgin Active.
o Support clients training goals and suggestions
o Provide Feedback to main Area manager Sales and Service
o Provide first response Emergency Aid
Achievements:
o Learnt how to communicate with Clients of all levels. 4
5. Mrs Angelique S. Bowden: CV/Resume (M) +27 072 5399145 (E)
AngeliqueBo@Nedbank.co.za
SANDF (S.A. Navy Fire Department) SANDF (Protection Services)
Fire Fighter: Intake October 1996 – Exit February 2002
Responsibilities :
o Qualifying to become the best at your job and rank and to control your
quad.
o Marching and Parades @Civil Functions e.g. opening of Parliament ect.
o Protection @land and sea by weapons around South African Boards
o Deployment to areas when righter get out of Control ,or humanitarian is
@ risk or endanger
o Training excise on the Ship runs keeping you up skilled on all occasions.
o Fire and Rescue Services on Land ,Air and Sea
o Ability to maintain your fitness and discipline level
Achievements: Practical and theory (Certificates Certified)
o First Response First Aider
o Military Training for Rating Part I
o PROTECTION PART I - Defense by Weapons
o Damage Control Part I
o Basic Fire Training Fireman
o SANDF FIRE FIGHTER I – Fire fighter in the SA Navy
o Basic Fire Science
o Practical BA and Gas Firefighting
o Hazmat Awareness
Educational /Training Courses and Qualifications
o Coaching Certificate -2013
o 2010 Junior Management program (JMP - GIBS)NQF5 -120credits (Subjects )
Economic Consequences of Business
Foundational Leadership Development
Transformation
Emotional Maturity
Introduction to Accounting Principles
Introduction to Principles of Financial
Principles of Marketing Management
Customer Service Excellence
Introduction to Operations Management
Technology and Innovation
Project Management
Strategic Management (Implementation)
o
o FAIS Compliant Deposit 1A/ Damelin Business School
o First Response First Aider
o Military Training for Rating Part I
o PROTECTION PART I - Defense by Weapons
o Damage Control Part I 5
6. Mrs Angelique S. Bowden: CV/Resume (M) +27 072 5399145 (E)
AngeliqueBo@Nedbank.co.za
Referees:
Name : Suli Casoo
: Area Manager Operations
: (011) 458 4126/4000
Name : Niel Fransch
Position : Area Services Manager
: (Emerald)
: 0114584126 / 0114584000
Name : Wayne Preston Aupiais
Position : Business Manager (Platinum)
: (083) 325 0127 or (011) 4584000
Name : Donald Singh
Position : Area Sales Manager (Emerald )
Telephone Number : 082 885 1979
Cellular Number : 083 650 7786
Name : Patricia Muguni
Position : Business Manager (EMERALD)
: 0114584000
Name : Chris Labuschagne
Position : Business Manager (Platinum) (Gold)
: (083) 680 1311 or (011) 4584000
Name : CPO Abrahams (Chief Petty Officer)
: S.A. Navy (reference attached)
: Course Instructor (Protection)
NB: Certificates will be provided on request.
6
7. Mrs Angelique S. Bowden: CV/Resume (M) +27 072 5399145 (E)
AngeliqueBo@Nedbank.co.za
Referees:
Name : Suli Casoo
: Area Manager Operations
: (011) 458 4126/4000
Name : Niel Fransch
Position : Area Services Manager
: (Emerald)
: 0114584126 / 0114584000
Name : Wayne Preston Aupiais
Position : Business Manager (Platinum)
: (083) 325 0127 or (011) 4584000
Name : Donald Singh
Position : Area Sales Manager (Emerald )
Telephone Number : 082 885 1979
Cellular Number : 083 650 7786
Name : Patricia Muguni
Position : Business Manager (EMERALD)
: 0114584000
Name : Chris Labuschagne
Position : Business Manager (Platinum) (Gold)
: (083) 680 1311 or (011) 4584000
Name : CPO Abrahams (Chief Petty Officer)
: S.A. Navy (reference attached)
: Course Instructor (Protection)
NB: Certificates will be provided on request.
6