Retail Banking Advisor
National Bank of Abu Dhabi
Total years of experience :17 years, 7 Months
• Member at branch committee for retail cases approvals
• Maximizing products sales to meet the bank targets and actively selling / cross-selling retail bank products.
• Manage the Elite client’s accounts, and handle their requirements..
• Share in strategic plan for the branch.
• Leading customer service team to achieve sales target
• Controlling Cash keys and reviewing daily cash balances
• Reviewing and submitting daily reports related to secured facilities to insure proper settlements in due times and propose necessary actions to preserve bank rights.
• credit assessment of retail clients and keeping up with the risk department comments
•Review Retail cases such as mortgage loans. Personal loans, car loan and credit card.
•Preparing the credit approval for retail clients.
• Soliciting new business, deepen relationships and manage key and potential customers (Corporate, SME's & Individuals)
• Responsible for corporate and SMEs accounts in the branch, handle all SME's customers requirements in the branch
• Prepare the credit assessment and analysis for SME's and retail clients.
• Manage the investments of the branch with the dealing room, foreign exchange, loan and deposits.
• Manage the Elite client's accounts, and handle all their requirements.
• Utilize portfolio management to lower attrition and maximize revenue to achieve sales target.
• Assess customer needs and make appropriate relationship enhancement recommendations.
• Provide customer with the best ways to invest his money, and resolve all service related queries/issues for existing customers.
• Generate referrals for other teams sourcing different products.
• Share in strategic plan for the branch.
• Review and submit daily reports related to secured facilities to insure proper settlements in due times and propose necessary action to preserve bank rights.
• Manage customer service team and pressure to achieve sales target
• Open current & saving accounts (Individual& Corporate), answering enquiries regarding bank regulations, and execute instructions.
• Prepare all inward transfers, outward and swift, and execute foreign exchange transactions.
• Collection of cheques (Foreign & local currencies) Inward & Outward.
• Issuance of certified cheques, manager's cheques, and demand drafts.
• Issuance of cheque books an prepare applications of visa electron cards (ATM)
• Execute and roll over of certificates and time deposits.
• Managing Customers Portfolios.
• Swift v1.
• Responsible for reviewing customers' files and ensuring completeness and accuracy.
• Executing customer's standing orders for Master Cards and other type of transactions.
• Prepare CBE monthly reports, and all monthly, quarterly and yearly reports required by the line manager.
• Assist in marketing and selling bank's products.
• Close monitoring on the overdue retail balances and following up with customers their settlement.
• Controlling Cash keys and reviewing daily the cash balances
• Responsible for Safe boxes keys and register.
• Audit cheque book registers and share custody responsibility with customer service officer.
• Handle account opening on the system as well as other important operations such as checks, account transfers and others.
• Delivery of Master Cards and Visa Electron to customers with verifying customer signature on all applications.
credit assessment and analysis
Ain Shams University (Cairo, Egypt): Bachelor of Commerce - Accounting Dep, 2004