حامد عبد الوهاب

Founded in the year 2013, Stone and Shore is a property investment and services company operating in Dubai, United Arab Emirates.

We specialize in selling and leasing residential commercial and retail properties; in essence we are a brokerage firm providing extensive services. Our core strength lies in expert knowledge of the property market and our ability to maintain excellent relationships with clients and investors worldwide.

Stone and Shore has been home to Real Estate’s most experienced and professional RERA certified agents. A team that consists of thirty plus consultants, speaking over ten languages has provided clients with efficient and effective customer service. We have built a relationship of trust with our clients; this has allowed them to feel at ease with us when finding them a perfect home or leaving their investment decisions in our hands.

•Responsible to hire, train, mentor, assisting and leading the agent’s team to close sales and rentals of property.
•Built up a team of 9 agents to work in a professional manner following company policies.
•Handling all problems that may arise between buyer, seller and agent.
•Helping in negotiations and ensuring all deals close and that agency fee is collected.
•Responsibility to acquire properties for international clients, holding many POA's and acting as property manager for many for many of them.
•Dealing With All Freehold Properties In The United Arab Emirates.
•Manage Sales Teams by listing and selling potential properties. Run Marketing department and effectively market properties on print and electronic media.
•In charge of all aspects of sales operations (Forecasting, setting targets, sourcing, calls…etc).
•Attending specialized real estate fairs for international networking and sales.

Advanced to increasingly responsible position of Senior Relationship Manager - Priority Banking Division in the year 2012, with the ultimate authoritypromoting, enhancing and developing of new marketsand relationship management with HNW clients (Individuals) / Corporate Clients for - Retail Banking Products - Liabilities & Investments. Reporting to the Unit Head.

•Prepare yearly business plan with updated forecast and conduct monthly variance analysis. Manage Portfolio of 25 customers.
•Identify/ understand alternate investment opportunities to resist competitive environments and to retain existing customer relationships.
•Revitalized and strengthened relationships with Non-Resident Countries - HNW clients in the territory covered, which accelerated revenue growth and improved market position.
•Identify structure and offer customized financial products to clients with the objective of long-term capital growth.
•Direct responsibility for achieving Revenue Budget set and agreed with the Management including profitability forecast.
•Ensure effective service delivery and customer contact management, which results in positive customer experience, and increase in customer loyalty.
•Responsible for acquiring, growing and deepening of Banking Relationships through effective relationship management, with special focus on identifying individual Customers and Cultivating Long-Term Business Relationship, the analysis and satisfaction of customers needs, with an aim to meet the budgeted volumes and ensure adherence to Banks Policies, ethics and code of conduct.
•Increase customer Total Relationship Balance (TRB) across liabilities and wealth management products.
•Achieve targets on new customer acquisitions; TRB increase and wealth management revenues are met.
•Established accountability and authority limits for subordinate staff and monitor their performance in execution of sales and service plans, and Bank’s objectives, taking corrective action where warranted.

Professional Experience

•Ensured that the service standards of Bank are met and maintained and no undesirable business is sourced.
•Certified as Investment Advisor.

Advanced to increasingly responsible position of Senior Relationship Manager - Priority Banking Division in the year 2008, with the ultimate authoritypromoting, enhancing and developing of new marketsand relationship management with HNW clients (Individuals) / Corporate Clients for - Retail Banking Products - Liabilities & Investments. Reporting to the Head of priority Banking.

•Prepare yearly business plan with updated forecast and conduct monthly variance analysis. Manage Portfolio of 75 customers.
•Direct responsibility for achieving Revenue Budget set and agreed with the Management including profitability forecast.
•Overachieved the sales targets - closed 6 months target for the year -2009.
•Ensure effective service delivery and customer contact management, which results in positive customer experience, and increase in customer loyalty.
•Responsible for acquiring, growing and deepening of Banking Relationships through effective relationship management, with special focus on identifying individual Customers and Cultivating Long-Term Business Relationship, the analysis and satisfaction of customers needs, with an aim to meet the budgeted volumes and ensure adherence to Banks Policies, ethics and code of conduct.
•Increase customer Total Relationship Balance (TRB) across liabilities and wealth management products.
•Achieve targets on new customer acquisitions; TRB increase and wealth management revenues are met.
•Established accountability and authority limits for subordinate staff and monitor their performance in execution of sales and service plans, and Bank’s objectives, taking corrective action where warranted.
•Ensured that the service standards of Bank are met and maintained and no undesirable business is sourced.
•Recruited, trained and motivated dynamic employees for optimum operations for achieving the sales and service objectives of the bank.
•Adhere to the banks KYC policy, escalate and report suspicious transactions.
•Operate in a manner, which protects the banks interests at all the times.

Key Strategic Achievements

•Spearheaded and set-up the Retail Banking Division in Dubai and generated over AED. 650 Million Business.

Provide leadership and direction as Acting Team Manager of the Priority Banking with the main focus on managing Wealth Management Customer Relationships Management, acquisition of new client relationships, retain and add profitable relationships for growth and development of the Wealth Management Portfolio, meeting revenue targets for Investments business, achieve high levels of service standards and maximize client satisfaction. Reporting to the Head of Priority Banking.

Professional Experience

Specific responsibilities include:

•Responsible for managing implementation of Bank’s Wealth Management relationship management policy, marketing of all Retail Banking Products - Liabilities /Investment Banking Products- Mutual Funds, Treasury Products/ Structured Notes/ Bond Funds / Hedge Funds/ Offshore Banking.
•Plan, direct and control the activities of 2 (RMs) / 4 ROs responsible for managing implementation of Bank’s Wealth Management relationship management policy, marketing of all Retail Banking Products - Retail Banking Products / Investment Banking Products- Mutual Funds/ Structured Notes/ Bond Funds / Hedge Funds/ Offshore Banking), Deposit Products (Savings Accounts, Current Accounts and Time Deposits) in UAE & Globally.
•Analyzing & providing relevant feedbacks on competitor products and services to head of the Priority Banking for providing tailor made solutions to customers.
•Provide financial counseling to HNW customers at their place of business in order to understand their current business practices and identify their financial goals.
•Resolve customer problems and act as a liaison with other departments and divisions in managing the customer's relationship with the Bank.
•Develop and implement an effective plan for sourcing new business prospects and developing new customer relationships.
•Develop and implement relationship strategies for cross-selling bank products and services by satisfying customer needs through an array of loan, deposit, asset management, investment and other appropriate bank products and services.
•Represent the Bank at various civic and community functions to further enhance Bank's image and develop additional business contacts and referral resources.
•Increase competence in Investment Management policies, products, and services by working with Management, and Senior Managers to structure effective guidelines.
•Recruit, train and motivate a team of team of professionals to achieve the business objective and revenue targets.

Key Strategic Achievements

•Top Sales performance in retail branch banking for 2007.
•Top performance in retail banking for the first quarter of 2008.
•Top certificates in the below mentioned products.
•Certified as Investment Advisor for ALICO/ ZURICH / OLD Mutual / Permal.

Advanced to the position of Relationship Manager on the basis of the excellent track record of achievements as the responsible for Portfolio Management, promoting, enhancing and developing of new marketsand relationship management with HNW Non- Resident clients (Corporate / Individuals) for HNW VIP - Non-Resident GCC clients (Corporate / Individuals) for all the Retail Banking Products/ Corporate Products and Services. Reporting to the Senior Relationship Manager.

•Plan, direct and control the activities of 10 (ROs/Credit Analyst) responsible for managing implementation of Bank’s commercial credit policy, marketing of viable credit proposals, credit appraisal, securitization, compliance and monitoring, recovery of bank’s dues in time in the territory of GCC.
•Identify structure and offer customized financial products to clients with the objective of long-term capital growth.
•Responsible for risk assessment for recommending Credit facilities to be granted to corporate clients, in the whole of GCC.
•Started from scratch and generated over AED70 Million Business.
•Responsible for overseeing the development of corporate relationships with the corporate clients from various industries and achieving the budgeted Gross Revenue through Corporate Banking.

Professional Experience

•Identify/ understand alternate investment opportunities to resist competitive environments and to retain existing customer relationships.
•Train and motivate newly hired employees for operations to ensure optimal efficiency.
•Prepare yearly business plan with updated forecast and conduct monthly variance analysis.
•Ensure team consistently achieved revenue target as set and agreed. Develop and maintain close contact with all major relationships.
•Provide seasoned expertise in developing and enhancing business tactics, market opportunities. Recommend new viable credit proposals based on thorough risk assessment and prudent banking sense.
•Provide assistance to ROs to structure credit lines that met client’s business needs within acceptable risk criteria.
•Perform checking & control of various sanctioned limits. Review delinquent account records to determine which customers were overdue for loan payments.
•Revitalized and strengthened relationships with Non-Resident GCC Countries - HNW clients in the territory covered, which accelerated revenue growth and improved market position.
•Liaise with Head Office in Riyadh on operational direction and approvals.
•Joined the Bank as Senior Sales Executive in the year-2004 and promoted as Relationship Manage in the year-2005.

•Managed both in bound and / out bound calls for all GCC countries markets. Promptly answer telephone calls to reflect professional corporate image of the Company.
•Interact with thousands of customers on regular basis and perform all aspects of customer service and satisfaction, including handling Sales inbound as well as customer service problem handling customer enquiry and providing detailed information for promoting Holiday packages to Jordan.
•Processed customer feedbacks and prepared statistical reports to ensure Total Customer Satisfaction.
•Provided Corporate Office with regular customer feedbacks and MIS Reports.
•Perform market research about Jordan and various Holiday packages tourist.
•Responsible for Campaign Planning and Management