Senior Mortgage Advisor
Mashreq Bank
مجموع سنوات الخبرة :19 years, 10 أشهر
WORK EXPERIENCE
Jan 2008 - May 2012: HSBC Bank Middle East Limited (Dubai - UAE)
Home Finance Manager
- In-charge of HSBC Premiere mortgage files
- Provided outstanding customer satisfaction
- Held daily meetings with potential customers and real estate agents
- Established a very strong network with agents and developers to recruit new market
- Increased the total portfolio and met financial targets (leader in the Sales team)
- Coordinated between Sales team and Credit department to ensure efficient processing and customer satisfaction
- Deputized the Head of Home Finance Managers’ team
- Reported weekly to Head of Consumer Banking
- Special monitoring of accounts and projects during financial crisis
- Follow-up on non-performing loans with a high success rate
May 2004 - Dec 2007: Blom Bank (Beirut - Lebanon)
Housing Loan Manager
- Managed team of 4 employees handling housing loan files
- Member of retail credit committee and reported to Head of Retail Banking
- Provided solutions and technical support for the branch network and selected real estate developers
- Increased portfolio profitability through continuous workflow enhancement, ensuring quick response and accurate risk assessment
- Ensured collateral quality and ratio within credit guidelines and financial ratios requirements by the regulator
- Held regular meeting with developers and assessment of new projects
- Quarterly meetings with board management for portfolio analysis and credit exposure
Feb 2000 - April 2004: Blom Bank (Beirut - Lebanon)
Car Loan Manager
- Analyzed the operational and financial risk of credit proposals
- Identified early warning signs in doubtful accounts and developed exit strategies
- Redefined Blom Bank auto loan credit policy and guidelines, and developed a credit rating model following the launch of the product
- Managed a team of 3 employees and reported to Head of Retail Banking
April 1999 - Jan 2000: Blom Bank (Beirut - Lebanon)
Car Loan department project
- Worked with Strategic Planning team and Legal on complete documentation
- Attended market visits and branch visits to understand market demand
- Setup of internal procedures and workflow
- Negotiated agreements with insurance companies and car agents/dealers
- Provided efficient and timely quality service in line with commercial efforts
TRAININGS AND INTERNSHIPS
November 2005: Ecole Supérieure des Affaires (ESA) - Lebanon
Banking and Finance Qualifications
January 1999: BLOM Bank - Lebanon
Strategic Planning and Organisation department
4 months internship
EDUCATION
June 2001: Lebanese American University - Lebanon
MBA
June 1998: American University of Beirut - Lebanon
Bachelor in Public Administration
LANGUAGES
English and Arabic
French (Intermediate level)
OTHERS
Hobbies: Reading, Music
Nationality: Lebanese
Marital status: Married, Female
References: Available upon request