Lorena Nistor
Bistrita,Romania
Summary
Proficient Trainee Representative skilled in team development and performance evaluation. Trains and mentors employees to enhance productivity and foster a collaborative learning environment. Focused on delivering exceptional customer service and building strong client relationships. Supports banking operations with confidentiality and accuracy. Experienced in project management, research, and using technology to improve processes. Committed to contributing to team objectives and driving organisational success.
Overview
1
1
Certification
6
6
years of professional experience
Work History
Trainee representative
Sparkasse Altötting-Mühldorf
03.2023 - 06.2026
- Shadowed daily activities of office staff to gain understanding of scope of work.
- Facilitated training sessions for trainees, enhancing understanding of key topics.
- Consulting training conducted with trainees.
- Evaluated trainee performance, delivering constructive feedback to support development.
- Mentored employees, fostering skills enhancement and team collaboration.
Baank Clerk
Sparkasse Altötting-Mühldorf
Töging a. Inn
02.2023 - 06.2026
- Processed customer transactions accurately and efficiently, maintaining confidentiality and security of client information.
- Handled day-to-day administrative tasks effectively and efficiently, aiding smooth running banking operations.
- Responded to customer enquiries with detailed information, enhancing overall service experience.
- Delivered exceptional customer service, establishing rapport and trust with bank clients.
- Helped customers open, close and update bank accounts.
- Greeted bank customers with warmth and professionalism, maintaining positive company reputation.
- Processed a wide variety of financial transactions, including deposits, withdrawals, and transfers.
- Utilised banking software to input customer data and process transactions, ensuring accuracy.
- Handled customer enquiries and transactions accurately and efficiently, ensuring optimal service.
- Verified customer details, carrying out diligent checks of personal and financial documentation.
- Collaborated with team members to resolve customer issues, ensuring timely solutions and improved customer satisfaction.
- Managed customer account opening and closing processes, ensuring relevant documentation was completed clearly and accurately.
- Facilitated customer transactions, streamlining service desk operations for improved efficiency.
- Maintained excellent knowledge of banking products and account types to deliver outstanding customer advice.
- Assisted with loan applications, guiding on procedures and process.
- Established strong relationships with clients, building trust and loyalty through consistent support.
- Resolved client enquiries and issues, providing expert advice and excellent service.
- Responded to customer calls swiftly to resolve issues and answer questions.
- Maintained up-to-date knowledge of insurance products, market trends, and regulatory changes.
- Presented and clearly explained insurance policy options based on clients' needs and goals.
- Developed personalised insurance solutions, tailoring packages to individual client requirements.
- Determined insurance requirements by liaising with customers for comprehensive understanding of needs.
- Assessed financial viability of different insurance options for customers.
- Recommended insurance strategies to reduce or control risk, enhancing protection.
- Analysed customer insurance needs to recommend appropriate policies for optimal coverage.
- Provided expert advice on life, health, property, and casualty insurance, guiding clients through complex choices.
- Analysed customer needs and provided the best options, upselling products and services.
- Assessed customer insurance needs through in-depth analysis and consultative sales approach.
- Assisted clients in understanding the terms and conditions of their insurance contracts.
- Reviewed customer history and backgrounds to recommend fiscally responsible products.
Investment Advisor
Sparkasse Altötting-Mühldorf
03.2025 - 08.2025
- Utilised advanced financial modelling tools to forecast potential investment outcomes, enhancing decision-making processes.
- Guided clients towards a profitable and secure financial decision through various investment options.
- Analysed financial market trends to provide clients with informed investment advice, maximising returns.
- Offered advice on investment and retirement planning using tax compliant managed portfolios as required.
- Oversaw the financial plan and updated it to ensure profitable growth.
- Analysed financial statements, market trends, and client portfolios to provide tailored investment advice.
- Grew and maintained client base to maximise revenue.
- Answered questions comprehensively to gain client's confidence.
- Developed long-term relationships with clients, providing sound financial advice.
- Consulted with clients using preferred channels, maintaining customer satisfaction.
- Developed comprehensive financial plans for clients, incorporating risk management and investment strategies.
- Cultivated lasting relationships with clients through exceptional service, regular communication, and transparent advice.
- Verified clients' needs and financial resources to determine tailored investment strategy.
- Tracked investment performance, providing clients with scheduled updates.
- Determined needs and updates for clients' annual reviews and worked closely with other portfolio management team members to provide comprehensive review.
- Reviewed and updated client portfolios quarterly to align with changing financial goals and market conditions.
- Advised corporate clients on employee pension schemes, benefits packages, and executive compensation plans.
- Demonstrated strategic thinking to formulate rewarding long-term investment strategies.
- Built and nurtured strong client relationships through regular reviews and communication of portfolio performance.
- Handled daily administrative tasks with precision and organisation. day-to-day administrative tasks.
- Proactively managed client bookings in accordance with their risk profile.
- Advised corporate clients on pension fund allocations and investment strategies to maximise employee benefits.
- Worked with partners to develop new relationships and identify potential opportunities for new client acquisition.
Further training as a pension specialist
Sparkasse Altötting-Mühldorf
Altötting
04.2024 - 10.2024
- Assisted customers with advice and direction on financial planning and insurance needs.
- Coordinated strategical cooperation with branches to deliver on broader business goals.
- Advised clients on pension schemes, explaining benefits and tax implications to optimise retirement savings.
- Championed ethical pension investment options, advising clients on sustainable and socially responsible funds.
- Empowered clients with knowledge on the risks and rewards of different pension investment options, fostering informed decision-making.
- Spearheaded initiatives to promote financial literacy among clients, focusing on pension savings and investment education.
- Developed personalised pension projections for clients, aiding in long-term retirement planning and decision-making.
- Implemented risk management strategies in pension planning, protecting clients' investments against market volatility.
Bank specialist
Sparkasse Altötting-Mühldorf
03.2024 - 10.2024
- Achieved service time and quality targets.
- Engaged with customers to better understand needs and deliver excellent service.
- Identified issues, analysed information and provided solutions to problems.
- Built and maintained courteous and effective working relationships.
- Resolved customer queries and problems using effective communication and providing step-by-step solutions.
- Handled customer concerns and escalated major issues to supervisor.
- Picked up additional tasks to aid team success.
- Trained and mentored employees to maximise team performance.
- Promoted safe working environment by implementing regulatory standards, policies and guidelines.
- Developed excellent working knowledge of industry trends and improvements in processes.
Apprentice Bank Clerk
Sparkasse Altötting-Mühldorf
Altötting
09.2020 - 02.2023
- Oversaw daily banking operations, maintaining stringent compliance with regulatory standards.
- Consulted with clients using preferred channels, maintaining customer satisfaction.
- Engaged with customers to better understand needs and deliver excellent service.
- Resolved customer queries and problems using effective communication and providing step-by-step solutions.
- Listened to customers to ascertain needs, developed relationships and maintained excellent standards of communication.
- Actively listened to customers to fully understand requests and address concerns.
- Established excellent working relationships with staff, creating positive learning environment and fostering collaboration.
- Learned theoretical and practical skills by attending classes and workshops on specific job aspects.
- Demonstrated consistent hard work and dedication to achieve results and improve operations.
Education
Advanced Technical College Entrance - Economics
Fachoberschule Inn-Salzach
Altötting01-2020
Secondary School Leaving Certificate - economics
Weiß-Ferdl-Middle school
Altötting01-2018
Skills
- Banking software
- Financial analysis
- Investment strategy
- Risk assessment
- Customer relationship management
- Client advisory
- Customer Service
- Training and development
- Performance evaluation
- Problem resolution
- Strategic planning
- Effective communication
- Team collaboration
- Presentation preparation
- Excel charts and pivot tables
- Microsoft applications
- Email correspondence handling
- Document reproduction
- Speak 4 languages
Languages
English
Upper Intermediate
B2
German
Proficient
C2
Romanian
Advanced
C1
Greek
Elementary
A2
Certification
- Category B Driving Licence
- Advanced Technical College Entrance Qualification (Fachhochschulreife), Business and Economics
- Secondary School Leaving Certificate (Mittlere Reife)
Interests
- Biking
- Gym
- Worship/Singing
- Animals
- Walking in the nature
Timeline
Investment Advisor
Sparkasse Altötting-Mühldorf
03.2025 - 08.2025
Further training as a pension specialist
Sparkasse Altötting-Mühldorf
04.2024 - 10.2024
Bank specialist
Sparkasse Altötting-Mühldorf
03.2024 - 10.2024
Trainee representative
Sparkasse Altötting-Mühldorf
03.2023 - 06.2026
Baank Clerk
Sparkasse Altötting-Mühldorf
02.2023 - 06.2026
Apprentice Bank Clerk
Sparkasse Altötting-Mühldorf
09.2020 - 02.2023
Advanced Technical College Entrance - Economics
Fachoberschule Inn-Salzach
Secondary School Leaving Certificate - economics
Weiß-Ferdl-Middle school