أحمد منجد

 Managing a Real Estate Mortgage loans portfolio of AED 5Bn with a recent achieved annual sales target of AED 600Mn (cap AED 100M per loan).
 A Relationship Manager in Retail Banking Group working mainly on Customer acquisition and new business development.
 Experienced in disbursing Real Estate loans and PPC disbursements, through following on consultants certificates, Internal-external Evaluators, and contractors work in progress.
 Unique experience in structuring Islamic home finance: Ijara, Murabaha and Contracts for work and forward lease contracts.
 Creating new business unit and hire new sales agents to various teams. Managing sales teams (covering Abu Dhabi & Dubai area) with total head count of 15.
 A financial Advisor and Direct relationship with HNW individuals to fulfil their financial requirements and provide best mortgages solutions/ advices that suit their risk appetite.
 Ensure effective sales progress by developing and maintaining reporting / tracking systems, anti - attrition processes and techniques, weekly and monthly MIS etc.
 Assist in conducting promotional activities, meetings and Road Shows to achieve or exceed budgeted Team sales volumes.
 Ensure Team documentations are error-free for all approved applications, and monitor post disbursement deferred documents.
 Provide regular customer and market feedback to improve product offering and business acquisition.
 Managing after sales team to make sure that Portfolio is healthy: Liability letters, Repayments, Partial and full settlement, Restructuring and Rescheduling negotiations, follow all stakeholders to keep all securities renewed and lodged into the concerned department.
 Direct relationship with Internal Departments and external departments (i.e. Credit Department, Legal, Operations, Better Homes, Wataniya etc..).

Sales- Management and Quality of Service Delivery
▪ Operations Support- Review Control & Approval
▪ Staff Management - Coordination
▪ Achieving Monthly Budget
▪ Complaint Handling
▪ ATM Captured Card Maintenance
▪ Branch Vault Management
▪ Internal Audit & ICD Comments
▪ Staff Training & Performance Appraisals