Muhammad Abu Bakr Hafeez

• Analysed financial statements to identify client viability and risk.
• Progressed legal action for overdue accounts.
• Analysed various financial scenarios for better decision-making.
• Devised credit and repayment plans for secure finance management.
• Reviewed and submitted applications to management with recommendations.
• Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles.
• Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default.
• Kept updated on changing financial trends and legislation.
• Developed budget plans, promoting fiscal responsibility across the company.
• Conducted research into references for reliable approval outcomes.
• Drafted monthly financial reports to assist managerial decisions.
• Maintained up-to-date knowledge of financial aid requirements, barriers and timelines.
• Met with applicants to collect information about personal histories, current loans and income.
• Evaluated client credit check outcomes to provide complete financial advice.
• Monitored financial markets to recommend suitable client products.
• Maintained confidentiality with handling sensitive financial information.
• Prompted customers with overdue payments to avoid penalties.

I was a customer service advisor at The Lloyds Banking Group. My job role was to respond to customer inquiries via phone in a timely and professional manner. Resolve customer complaints and issues, ensuring customer satisfaction. Collaborate with other departments to resolve complex customer problems Handle a high volume of customer calls and maintain accurate customer records. Assist in developing and implementing customer service policies and procedures.

• Assisted customers with additional retail services, including alterations.
• Prepared necessary forms to complete transactions.
• Adhered strictly to policies and procedures for continued company compliance.
• Coordinated efficiently with other departments for issue escalation, facilitating timely solutions.
• Handled complaints calmly and professionally, recording details to avoid repeat issues.
• Maintained compliance by observing internal and external risk and control protocols.
• Formed productive working relationships with colleagues to improve team efficiency and performance.
• Identified client needs, developed and implemented solutions and advised on outcomes.
• Tailored banking solutions to individual needs for optimal customer satisfaction.
• Listened actively to offer accurate information and best solution to their needs.
• Processed and issued refunds, exchanges and credit notes, providing tailored solutions to customer issues.
• Informed customers of available products, services and upgrades to retain custom.
• Updated customer records to reflect current contact and account information.
• Processed financial transactions for smooth banking operations.
• Maintained excellent client satisfaction by providing in-depth support.
• Resolved customer complaints following guidelines and referred complex inquiries to team leaders.
• Followed scripts when answering common customer questions.
• Assisted customers, improved their understanding of various banking products and services.
• Developed strong relationships with customers to promote loyalty and retention.
• Obtained feedback from customers to improve service experience.
• Built rapport with customers to quickly gather information and reduce service times.

I worked as a Porter for the hospital where I would on a daily basis help patients get to where they needed to go either in a wheelchair or on a bed. I would have to do so very safely as some patients were very sick. I would have to carry out the correct procedures in making sure the patient is safe. I would also answer radio calls for incoming jobs. I would clean the hospital bins and dispose it officially in the allocated dumping area. Handled high volume calls to address customer inquiries and concerns.

• Applied positive customer service approach to increase satisfaction levels.
• Offered friendly, efficient customer service and handled challenging situations with ease.
• Used Microsoft Word and other software tools to create documents and clear communications.
• Delivered tailored assistance to customers with disabilities.
• Reviewed customer history to recommend appropriate products and services.
• Served customers to drive sales and deliver top-quality experiences.

I worked as an assistant for the director of the business. My job would entail me to carry out objectives such as speaking with customers, this would usually insist of me taking their details down, taking their orders and then carrying out that order making sure it has been delivered on the day it was discussed for. I would always have to make sure every customer I worked with were always happy with their purchase. I would also negotiate with customer, getting them the best deal while still getting good profits on our orders.

• Handled cash transactions swiftly, ensuring accurate accounting at the end of each shift.
• Tagged products quickly and accurately with price tags and stickers.
• Collaborated effectively with team members to meet sales targets.
• Helped customers obtain specialised help for refunds and exchanges.
• Conducted follow-up calls after delivery, strengthening client relationships.
• Collaborated with interior designers to create visually appealing displays.
• Inspected products for damages and expiry dates before processing refunds.
• Explained establishment policies to customers and offered advice on selections.
• Handled cash transactions efficiently for smooth business operations.
• Coordinated deliveries to ensure timely arrival of goods.
• Demonstrated product usage and features to customers.
• Exceeded customer expectations by providing in-depth product knowledge for high-end furniture.
• Tracked and reordered stock, preventing shortage situations.
• Accepted card, cash and cheque payments in POS register system.
• Worked overtime during peak seasons for seamless business operations.
• Engaged customers to enhance in-store experience and provide outstanding customer service.
• Prepared invoices for customers with large orders or special sales types.
• Carried out active selling from initial customer greeting.
• Negotiated deals with suppliers for cost efficiency.

I worked as a loader at the M&S warehouse where I was trained to control a LLOP machine to go around the warehouse picking up certain items that would be used for delivery to shops. I would have to locate the items in a timely fashion making sure I’m not late on my drops. I would then place the pallet once the order is completed into a truck where it was placed for delivery.

• Evaluated performance metrics to improve warehouse operations.
• Exceeded warehouse productivity targets with consistent operational oversight.
• Selected, trained and performance-managed staff to build results-focused team.
• Enforced safety measures and proper use of PPE.

I worked as a picker for Tesco's on contracted hours for a temp contract. My job role would entail picking up new carts and selecting and picking the orders of different customers, getting them prepared for home delivery. I would total up 3-4 different loads on a normal working day. I would also help customers around the supermarket, helping them locate certain items.

• Complied with health and safety by responsibly using equipment.
• Consistently met targets whilst maintaining high standards of quality control.
• Accurately packed and picked high-volume orders in fast-paced environments.
• Prepared pallets for transport, enhancing warehouse organisation.
• Checked quality of products and packaging to meet high standard.
• Followed safety standards for carrying, moving and storing freight.
• Followed safety guidelines when operating in hazardous environments.

I worked as a security guard at Primark in which I had to make sure all customers & workers were safe. I would do regular checks on all floors of the shop making sure everything was in order. I would also escort G4S through the shop which had to be in a certain pattern as this was part of the requirements. I also assisted a member of the Primark staff to check all tills. This had to be done very thoroughly as money was involved. I would also stop & take any shop lifters into a room to get their details and wait for the Police to arrive. Whenever a member of staff would leave the store I had to look through their bag making sure nothing was stolen. I did this every time without fail.

Collaborated with security teams and emergency services to resolve urgent situations.

• Assisted in evacuation drills, ensuring smooth execution of safety protocols.
• Created hazard-free environment by reporting on building damage and irregularities.
• Identified safety risks by analysing reports and camera footage.
• Maintained composure and professionalism while screening visitors during high-volume periods.
• Responded immediately to emergency situations, remaining professional, calm and effective under pressure.
• Remained focused and vigilant during long periods of sitting, walking and standing for dependable security services.
• Recorded all security breaches for future reference and analysis.
• Monitored CCTV systems for potential security breaches.

I worked as a team member at KFC where I gradually attained the responsibility of taking orders from

customers, preparing the food and then serving them.

• I was required to take orders from customers whether it was at the till or on Just Eat.

• I was very successful in meeting requirements and frequently accomplished good customer

feedback.

• Prepared and packaged orders with precise presentation skills.
• Served customers to drive sales and deliver top-quality experiences.
• Successfully delivered on tasks within tight deadlines.
• Developed plans and strategies to promote continuous improvement.
• Assisted with infection control through social distancing and PPE wearing.
• Consistently arrived at work on time and ready to start immediately.
• Increased revenue by upselling and recommending products.