Karim Kotb

•  Certified Wealth Manager(CISI certified)Meeting revenue targets for investments, insurance business, asset and liabilities
 Prepare customer profile and provide customer with best financial solutions.
 Acquisition of new client relationships from the Prioirty AND SME banking segment
 Maintenance and growth of existing client relationships
 Achieve high levels of service standards and maximize client satisfaction
 Compliance with UAE Central Bank and anti money laundering regulations
• Initiate, develop and retain client relationships, while contributing actively to the business development goals of the unit
• Engaged in client acquisition activities, presenting to clients, closing deals, managing and developing client accounts
• Proactively contact customers in portfolio in order to capture higher share of wallet by cross-selling products and marketing new products and services.
• Responsible for account opening, initial relationship building and managing the early customer lifecycle for New To Bank customers
• Accountable for regular monitoring of client satisfaction and service quality levels by ensuring that client expectations are consistently met and exceeded

The company is the largest real estate financier in the Middle East, voted as “Best Mortgage Finance Company” at Islamic Business & Finance Awards 2007.

Highlights:
• Awarded "Top Sales Team" in finance for the year 2008 and "Top Sales executive" for the year of 2007.

Key Responsibilities:
• Verifying and approving all necessary administrative protocols and credit analysis exercises associated with approval, disbursement, renewal and recovery of loans / credit.
• Restructuring and streamlining processes to ensure international stands of service catering to a demographically diverse set of clientele.
• Developing and executing aggressive strategic sales/marketing plans targeting at capitalizing existing client base to increase revenues/profitability, achieving desired targets with overall responsibility of ROI.
• Evaluating permissible credit for clients and submitting documents to the Executive management for approval, post examination of all related documentation, agreements prepared by relationship managers and credit analysts.
• Networking extensively with clients to assess needs, accordingly offered the most appropriate solution which meets company security and client requirements.
• Setting targets for DST team and for each staff member, analyzing daily reports to monitor staff performance, ensure transactions are executed/ documented in alignment with organizational goals & objectives.
• Submitting MIS reports on monthly/quarterly/annual schedule, providing regular sales updates to the branch manager/ assistant branch manager, interacting with support managers to resolve pending issues.
• Hiring/ training sales staff, setting sales targets in view of regional demand and overall profitability metrics, monitoring individual and team performance to ensure consistent execution of programs and initiatives.

The company has a banking heritage spanning more than 150 years, it has an extensive global reach and a strong position in emerging markets, supplemented by strategic alliances and acquisitions.

Highlights:
• Consistently achieved/ surpassed monthly sales targets and accelerated conversion of leads into successful closures.
• Honored as "Top Sales Executive" for the year 2006.

Key Responsibilities:
• Identified and developed new business opportunities by conducting extensive market research to generate leads for subsequent development, performed key account planning and maintained favorable business relationship with key accounts.
• Targeted potential clients, expanded current accounts, developed account strategies, negotiated and closed revenue-generating relationships with leading prospects for enhancing profits and market share growth.
• Accumulated data on competitor activities to recommend counter-strategies for potential business threats.
• Escalated any unresolved issues to the DST leader, resolved customer complaints effectively within specified time frames.
• Trained sales team, set goals/targets and assisted them to leverage client relationships to maximum extent possible to obtain a competitive position in the industry.
• Organized set number of interviews with the aim to achieve/surpass monthly targets in comparison with the daily/weekly targets as benchmarks.
• Ensured sustained business in-flow through cross selling new financial services, referral business.

Sep2003 - Sep2005: Assistant Operation Manager, PIL Shipping line (Egypt)
Key Responsibilities :
• Oversaw movement of containers/equipments, confirmed the integrity of materials, system and documentation to enable smooth flow of material.
• Monitored the quality, cost and efficiency of the movement of goods.
• Developed turnkey solutions to facilitate optimized inbound and outbound movement of goods, expedited requisite documentation as per company and local regulations.
• Worked closely with all levels of end users and external specialized consultants and vendors, prototyped possible approaches to problems and implemented corrective action.
• Inspected all incoming vessels to verify any discrepancies on orders received and ensured superior customer service standards. Maintained daily reports.
• Analyzed critical scenarios and established standardized processes for efficient trouble-shooting, while striking yield oriented balance for the organization and the supplier.

Sep2001 - Sep2003: Customer Service officer, National Bank of Egypt.
Key Responsibilities:
• Attended walk in customers. Coordinated/ supervised/directed them to concerned relationship officer.
• Provided personalized, friendly and efficient service to telephone callers/customers and directing to the concerned personnel.
• Ensured prompt attendance to complaints, effecting process modifications as per feedback, and solicited referrals through superior customer management.