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Emad Khalil, Liability and Secure Lending Manager

Emad Khalil

Liability and Secure Lending Manager·Aafaq Islamic Finance

United Arab Emirates

Bachelor's degree, Tourism & Hotels

Work experience

Total years of experience: 19 years, 5 months

Liability and Secure Lending Manager

August 2018 - Present

Aafaq Islamic Finance

Dubai, United Arab Emirates

August 2018 - Present

 Lead a team of 12 members of Relationship officer / Senior relationship officer & Assistant relationship manager and evaluate their performance on weekly and monthly Basis.
 Achieving team target of New fresh Wakala Investment Deposit (FIX Deposit) and cross selling our Corporate Finance.
 Managing and Retaining a portfolio of 3.4B Labor, Establishment and Financial Guarantees.
 Supporting the product team for making a new policy and procedures for our existing portfolio.
 Successful launching of new innovative products keeping in mind the market trends to benefit both bank and clients.
 Using gained expert knowledge of business, finance, banking, credit and risk management to identify, recommend and promote products and solutions that best serve the client while still working within risk parameters that protects the company.
 Supporting my team with visiting and meeting our existing clients to understand their businesses, analyzing their profile to give them our Corporate Offers.

Company industry:
Banking
Job role:
Banking

wealth relationship manager

March 2016 - July 2018

AL Masraf Bank ( Arab Bank For Investment and Foreign Trade)

Abu Dhabi, United Arab Emirates

March 2016 - July 2018

 Building collaborative relationships to provide the best in client advice, seamless experience and service for existing customers and developing the business to introduce banks products to new customers.
 Managing credit opportunities within assigned portfolio.
 Utilizing previously built extensive referral networks and centers of influence to identify and pursue potential new clients, looking for ways to cultivate a long-term relationship.
 Using gained expert knowledge of business, finance, banking, credit and risk management to identify, recommend and promote products and solutions that best serve the client while still working within risk parameters that protects the bank.
 Building relationships by calling on existing clients to truly understand their businesses, analyzing their profile and as a trusted advisor tailoring a customized portfolio for the benefit of customer and the bank.
 Documenting details using provided CRM tool for future reference.
 Protecting the firm by following sound risk management protocols and adhering to regulatory requirements.
 Create and support client retention strategies for existing customer base and for new customers.
 Preparing end to end documentation (creation of proposal of client to CAD, fulfilling all formalities of the bank, account opening forms etc.).
 Direct supervision and guidance to relationship officer/senior relationship officer & assistant relationship manager.

Company industry:
Banking
Job role:
Banking

direct sales team leader

March 2013 - February 2016

Union National Bank

Abu Dhabi, United Arab Emirates

March 2013 - February 2016

 Administer arranging newcomers’ documents as per bank’s procedures
 Supervise a team of 8 members and evaluate their performance on daily basis
 Resolve any escalations or complaints
 Trained new joiners on the bank’s various services and sales skills
 Interact and communicate with other departments and follow up
 Attract and target large companies, code new companies and add them to the bank’s network

Company industry:
Banking
Job role:
Banking

sales team leader

January 2010 - February 2013

CITI Bank

Cairo, Egypt

January 2010 - February 2013

 Recommend courses and seminars for team members to enhance their skills to attract customers
 Interview and select senior and junior staff for different sales positions
 Administer arranging newcomers’ documents as per bank’s procedures
 Present deals and special offers to large size companies
 Supervise a team of 15 members and evaluate their performance on daily basis
 Resolve any escalations or complaints
 Train new joiners upon request
 Interact and communicate with other departments and follow up
 Attract and target large companies, code new companies and add them to the bank’s network

Company industry:
Banking
Job role:
Banking

hr personnel specialist

August 2009 - June 2010

EVA Cosmetics

Cairo, Egypt

August 2009 - June 2010

 Involved in several Human Resources activities
 Administered opening bank accounts to all employees and handle their issues if any
 Arranged employees’ medical care coverage
 Managed gift stocks and conducted weekly inventories
 Entered all employee’s data on oracle applications and handled monthly salaries

Company industry:
Other Healthcare Services
Job role:
Human Resources and Recruitment

sales senior

January 2007 - July 2009

CITI Bank

Cairo, Egypt

January 2007 - July 2009

 Responsible for achieving a monthly target in credit cards selling
 Responsible for introducing & training new joiners on company’s products

Company industry:
Banking
Job role:
Banking

Education

Future University in Egypt

June 2008

June 2008

Bachelor's degree, Tourism & Hotels

Egypt

GPA (rating): Good

GPA (rating): Good

courses: Graduation Project: Design an evaluation cost of a 5* restaurant •General Secondary Certificate from

Skills

Sales and Marketing Management
Expert
Sales and Marketing Management
Expert
Customer Service Skills
Expert
Customer Service Skills
Expert
Retail Banking
Expert
Retail Banking
Expert
Corporate Sales
Expert
Corporate Sales
Expert
Relationship Management
Expert
Relationship Management
Expert
CREDIT
Expert
CREDIT
Expert
NETWORKING
Expert
NETWORKING
Expert
SALES
Expert
SALES
Expert
BANKING
Expert
BANKING
Expert
CAD
Beginner
CAD
Beginner
CREDIT RISK
Beginner
CREDIT RISK
Beginner
CRM
Intermediate
CRM
Intermediate
CUSTOMER RELATIONS
Expert
CUSTOMER RELATIONS
Expert
DOCUMENTATION
Intermediate
DOCUMENTATION
Intermediate
Relationship Management
Expert
Relationship Management
Expert
Retail Banking
Expert
Retail Banking
Expert
Islamic Banking
Expert
Islamic Banking
Expert
Corporate Banking
Intermediate
Corporate Banking
Intermediate

Languages

Arabic

Expert

English

Expert

French

Expert

Training and Certifications

Training
Accounting for Non Accountants
EIBFS
Oct 2019
Statement Financial Reissues
EIBFS
Apr 2019
Islamic Corporate Finance
EIBFS
Dec 2018
Equity & Investment Portfolio Management
EIBFS
Jan 2018
Relationship Management
EIBFS
Mar 2017