Relationship & Portfolio Manager-Elite Banking
National Bank of Abu Dhabi
Total years of experience :20 years, 0 Months
Managing & being the owner of an exclusive portfolio of more than 250 niche clients of NBAD Elite Gold Banking Department, which is the Premier Banking vertical of National Bank of Abu Dhabi.
Managing the profit centre model of Elite Gold Banking, from the perspective of implementing & consistent/on-going monitoring of the revenue generation from the portfolio owned.
Being directly responsible for the end to end due diligence & compliance adherence for every transactional executions/delivery of the portfolio.
Take balanced decisions/measures in ensuring consistent revenue generation for the bank whilst being prudent & client centric.
Being directly responsible for the escalations & deviation requests from Senior Relationship Officers/Relationship Officers in the department.
Preparing and presenting Credit Line proposals & liaising with the Retail Credit Admin in the end to end processing & execution.
Proliferation & positioning of NBAD Elite Gold Department’s customised retail banking solutions at leading corporates & SMEs in Dubai & NE.
Customisation of Product Bundles, from a volumes of scale perspective, for corporates & leading SMEs in Dubai & NE.
Direct reporting to the Unit Director.
Managing & proliferating the Mortgage Portfolio of HSBC Premier & Advance clients (Onsite & Offsite).
Being the key advisory point of contact for existing Mortgage Portfolio & NTB Mortgage clients.
Being the in-house Mortgage Specialist for resident & non-resident client portfolio of Jumeirah branch, Dubai.
Working closely with HSBC Premier, Corporate & Private Banking Departments, in catering to the Mortgage requests.
Effective client expectation management on an end to end basis, from onboarding the mortgage portfolio to closing the transaction.
Effective Relationship Management by diligently working within the Global Compliance framework of HSBC.
Working with a collective view of catering to the revenue enhancement & need fulfilment objectives of Retail Banking and Wealth Management by keeping Mortgage penetration as the key driver.
Diligently ensuring micro and macro level client relationship management, with the overall objective of fully subscribing to client expectations.
Preparing, presenting & analysing Mortgage Credit Proposals, to be put forth before the Credit Evaluation Team.
• Manage a Team of Relationship Managers & Sales Officers in motivating & driving them in achieving consistent revenue targets & goals.
• Being directly responsible & accountable for ethical, prudent & compliance concurrent marketing & selling of bank products by the team.
• Sourcing & acquiring retail residential and commercial mortgage deals for free-hold & lease hold property transactions.
• Create new relationships and exploit the existing opportunities to bring in fresh business in order to achieve the set targets.
• Maintain good relationships with key developers, real estate brokerages & key employers.
• Look at newer opportunities covering developers, brokers, existing key employers where there is a good potential for the bank to penetrate.
• Consistently increase the mortgage sales ensuring quality, due diligence & good credit sense.
• Provide regular market feedback to the management to improve the quality, performance and competitiveness of the bank’s products and services.
• Appointed as the official point of contact of Mashreqbank for the assigned developer (Fairmount Hotels & Resorts Ltd).
• Acting as the point of the contact for any mortgage related requirements for the portfolio of clients acquired.
Entrusted with the task of acquiring New to Bank customers (NTB’s) and cross selling of investment & insurance products to the clientele through outsourced channels as well as self sourcing. The target area was the HNI (High Networth Individual) segment of Cochin clearing zone and NRI segment from across Kerala. Direct reporting is to the Sales Manager and dotted line reporting to the Associate Vice President.
Responsibilities:
• Manage & drive outsourced channels of direct sales officers ensuring consistent revenue generation for the bank.
• Analysing and determining the nature and requirements of customers by considering their Financial positions and requirements.
• Giving proper guidance to the customer by offering various packages of investment products and services.
• Giving adequate advisory services to the client based upon their economic requirements.
• Providing prompt services to the customer and active particiapation in planning to meet the business targets.
• Maintain good relationship with the customers through regular visits and contacts.
• Organise customer events in association with various organisations/clubs for business proliferation and leverage on the leads generated.
As a Management Trainee, I was entrusted with the task of reviewing publicity related reports and ensuring follow up action to address the issues arising at the regional level of Greater London area. The job was that of a facilitator/co-ordinator in liaising and communicating with the various wings of the publicity house and make sure that the regional prmotional campaigns subscribe to the target segment/group.
I was in charge of a group of 8 staff, in conducting detailed market research analysis on products/services to be launched by different companies/agencies/organisations, from the data collected by the field staff and submit the detailed research report. ICM is a major British Market Research Group and the clients whom my group worked for include British Petroleum, London Metropolitan Police, 3 Mobile Services, Vodafone and automobile majors BMW & Vauxhall.