Marlene Ulat

Experienced and client-focused Relationship Manager with a strong track record in the banking and finance industry. Proven ability to build and manage long-term relationships across diverse client portfolios. Skilled in financial analysis, portfolio management, and regulatory compliance, consistently delivering tailored solutions that align with client goals and risk profiles. Adept at driving business development through strategic networking and relationship-building. Technologically proficient, leveraging financial software and data tools to optimize decision-making and portfolio performance. A results-oriented professional committed to delivering exceptional service and supporting business growth.

• Highly Proficient in conducting thorough financial analysis, including assessing clients' financial statements, cash flow, and risk profiles; able to identify key financial indicators and recommend strategic financial solutions.
• Skilled in managing diverse portfolios, optimising asset allocation, and implementing risk management strategies to achieve clients' financial objectives; capable of balancing risk and return to deliver superior investment outcomes.
• Demonstrates a deep understanding of a wide range of financial products; able to effectively articulate the features and benefits of each product to clients.
• Possesses a strong grasp of banking and finance regulations, ensuring strict adherence to legal and compliance requirements; able to guide clients through complex regulatory frameworks and provide compliant financial solutions.
• Proven track record in generating new business and expanding existing client relationships; proficient in identifying opportunities, building strategic partnerships, and executing effective business development strategies.
• Exceptional ability to cultivate and maintain long-term client relationships; skilled in understanding client needs, providing personalised financial advice, and delivering superior customer service to foster loyalty and satisfaction.
• Skilful in assessing and mitigating financial risks, utilising various risk management techniques such as hedging, diversification, and insurance; experienced in conducting risk assessments and developing risk mitigation strategies.
• Possess strong investment advisory skills, including conducting market research, performing due diligence, and providing accurate investment recommendations based on clients' risk profiles and financial goals.
• Strength in reading Self-employed financials. – written complex deals for clients who are self-employed.

• Strong interpersonal skills: demonstrate exceptional communication and interpersonal skills, allowing them to build strong, trust-based relationships with clients, colleagues, and stakeholders at all levels.
• Proactive approach: take a proactive stance in understanding clients' needs and identifying opportunities to provide tailored financial solutions.
• Excellent problem-solving abilities: effectively analyse complex financial situations and devise creative solutions to meet client requirements.
• Client-focused mindset: prioritise client satisfaction and strive to deliver exceptional service by understanding their financial goals, providing personalised advice, and consistently exceeding expectations.
• Result-oriented mindset: possess a strong drive to achieve targets and meet key performance indicators, both individually and as part of a team.
• Ethical conduct: uphold the highest standards of ethics and professionalism, ensuring compliance with industry regulations and always maintaining client confidentiality and trust.
• Technical- Highly Proficiency in utilising Microsoft Office Suite, especially Excel, and banking systems