RETAIL RELATIONSHIP OFFICER
ISLAMIC INTERNATIONAL ARAB BANK
Total years of experience :13 years, 9 Months
Assist the bank in building strong relationship with customers, identifying new (mutual) business opportunities to increase profitability and sustain customer base, fulfilling its expectation/objectives and providing business advice that will benefit the business client to maintain satisfaction.
Study and evaluate credit facilities applications, preparing and presenting credit reports (CR), analyze financial reports, analyze and manage credit risk, recommend to accept or reject credit requests, monitoring and follow up clients credit portfolio that range between JD 10k to 500k, field visits for current and potential clients prepare.
Evaluating the viability and feasibility of the Funded, Non-funded facilities/Projects to be financed, Debt Equity and collateral’s forced sale value, and to prepare the final credit memorandum/ credit proposals for the Executive Committee approval.
Introduce diversified products and services through extensive cross selling and up selling techniques ranging from Short term facilities for Operating cycle to Term Loans for Capital Investment cycle and foreign trade services including Import & Export Letter of Credit, Acceptances & Trust Receipts.
Identify key accounts and assimilate a prospect base of new companies through targeted research of potential markets and apply relevant strategies to facilitate the transition of promising business conversion.
Formulating action plans for overall account strategy, fostering relationships through continuous client interaction to surpass business goals and objectives.
Engage in effective lead generation through knowledgeable prospecting, compelling product and service discussions, persuasive negotiation, convincing answering of client objections and preparing a thorough customized proposal to culminate the sale.
Maintain close relationships and striving to exceed service expectations through diligent follow-ups and immediate resolution of client issues; thus ensuring a high level of customer satisfaction as well as operational excellence.
Detailed Financial Analysis and related Corporate Issues. This included Ratios, Financing Mode, Payback calculations, Cash flows and IRR etc. Preparation of business reports.
Present daily pipeline reports as well as forecasting sales to track and determine progress towards stated departmental goals.
Prepare complex credit analysis including projection modeling on both existing and prospective customer’s credit needs.
Present written reports detailing the financial position and cash flow of the client, potential risks, collateral position, strengths, and weaknesses.
Entered, analyzed and reported client business and personal data in bank financial statement spreading models to identify risk areas and the development of mitigating factors.
Analyzed current and emerging technology trends in market and assisted in mitigation process.
Recommendations for credit structure, risk rating, pricing, and credit approval.
Receive customers, assess their needs and execute the following operations in compliance with existing regulation and internal policies :
•Open new accounts, complete proper forms with customers and make sure that file documentation is complete and accurate.
•Handle account operation closing, maintenance, checkbooks.
•Control and approve the daily journals related to the unit.
•Control the settlement of retail products
Deal with corporate and understand the need of our product (loans, LC, LG)
. Identify and promptly act on any current and future business opportunity in order to maximize our client.
Commercial loans, letter of grantee and letter of credit issuance.
• The importance of medium and small enterprises and skills of financing.
• Understanding & analyzing financial statements and reports.
• Cash flow statement analysis.
• Essentials of credit Facilities.
• Anti-Money laundry training course.
Obtains necessary information to process and complete letters of credit and related financial transactions. Verifies all documentation for accuracy and completeness. Ensures all credit data is evaluated and adheres to bank policies and procedures in order to approve or deny applications
Introduce diversified products and services through extensive cross selling and up selling techniques ranging from Short term facilities for Operating cycle to Term Loans for Capital Investment cycle and foreign trade services including Import & Export Letter of Credit, Bill Discounting, Acceptances & Trust Receipts.
Prepare complex credit analysis including projection modeling on both existing and prospective customer’s credit needs.
Present written reports detailing the financial position and cash flow of the client, potential risks, collateral position, strengths, and weaknesses.
Entered, analyzed and reported client business and personal data in bank financial statement spreading models to identify risk areas and the development of mitigating factors.
Analyzed current and emerging technology trends in market and assisted in mitigation process.
Recommendations for credit structure, risk rating, pricing, and credit approval.
Handle the sales activities in terms of identifying opportunities or answering customer's sales inquiry in a prompt manner, meeting customers and raising minutes and action points, submitting proposals, negotiating and closing the business deal.
. Visit customers to identify the appropriate solution that meet their business needs and raise a visit report (minutes of meeting) to draw a clear line of responsibilities and target dates.
. Build a good knowledge of the market environment in which the customer is operating.
Irrelevant Experience
•Work in the World Economic Forum, Jordan Dead Sea, Middle East, Middle East and North Africa from 18-20 May 2007, 15-17 May 2009 and 21-26 May 2013 as team leader (external staff).
•Voluntary works at Development Association as an IT support 2009.
Workshops, Seminars & Training
•Platforms: Windows 98/2000/XP/Vista/7
•Introduction to Wireless Application Programming from 26/
Cross and Up selling Program 19/4/2013
•Fraud detection skills 2012.
•How to be a successful leader 2012
•Documentary credits and guarantees2011
•Legal aspects of banking 2010
•Products retail facilities 2011
•Management of assets and liabilities2012
•Banking culture2010