Investments and Assets Sales Manager
Barwa Bank
Total years of experience :20 years, 10 Months
Pro-actively manage and grow a portfolio of High Net Worth Priority Banking Customers, helping clients identifying their financial objectives and establish their investment ( Sukuk dealing, Mutual Funds, and Capital protected growth funds.) Assisting clients with their F/X dealings, Islamic Finance and Mortgage referrals.
•Initiate, develop and retain Liabilities, deposits and investments relationships, which contribute actively to the business targets and revenue goals of the team.
•Engage in client acquisition activities, marketing new clients, closing deals, managing and developing client accounts.
•Responsible for account opening, initial relationship building and managing the early customer life-cycle for ‘New To Bank’ customers.
•Undertake regular reviews of the assigned customer portfolio and update KYC to ensure compliance with regulatory requirements
•Visiting clients, conducting reviews and creating clear and concise proposals within the time frame including detailed financial analysis.
•Monitoring accounts in the assigned portfolio, by careful assessment of the customer through analysis of financial statements; movement of funds etc to ensure that the bank is fully aware of the customer’s financial position thus enabling early identification of difficulties with a view to minimize any potential loss/regulatory noncompliance .
•Identify and analyze the areas of potential risk under the portfolio and find appropriate solutions.
•Accountable for regular monitoring of client satisfaction and service quality levels by ensuring that client expectations are consistently met and exceeded.
•Conversant & competent in discussing the full range of Banking products and services available to clients, including basic banking products, trade services products, lending products and financial advisory.
•To keep updated of market trends, customer preferences and new products, as well as to regularly monitor activity by key competitors.
-Responsible for providing financial guidance to individuals regarding investment strategies. Look at overall financial picture and attempt to help them improve upon it by recommending savings, stock, or other investment decisions.
-Conduct financial reviews utilizing wealth management tools & Premier individual review to identify customer needs and deliver a customized solution to meet those needs
-To acquire, establish and grow Premier customer relationships to achieve the Wealth (Investment & Insurance) sales and service targets. To maximize profitability through portfolio growth, share of wallet, customer retention and growth of high value customers.
-Meet and exceed individual KPI’s targets for Financial and non-Financial objectives as set out by business each year.
-Contribute to the overall performance and profitability of the branch in line with Global Premier AOP (annual operating plan), branch Wealth sales targets, and Insurance & Investment penetration targets
-Monitoring monthly portfolio's credit control and deliquency.
-Managing Recievables ledgers, clearing and collection functions.
-Offer equity, fixed-income and balanced investment portfolios through separately managed accounts and pooled funds
-Effectively correspond with fund Providers & other Wealth and operational teams on customer queries in order to maintain customer Service Level Agreements.
-Provide practice management and investment services to help develop highly effective solutions and portfolios for the clients.
-Achieve customer acquisition and retention targets, PRM targets (including wealth and insurance)
-Ensure compliance with group policies on compliance & ML deterrence contain risk & strengthen ML policy
-Build Assets and Liabilities balances, and also help with Customer Contact Strategy execution.
-Make recommendations to upper management, based both on subjective and objective information
January 2010 - December 2011
HSBC Bank, Egypt
Chief cashier (operations services) Vault custodian and head of tellers
• First custodian of the bank's main vault.
• Ensure that necessary data on vouchers are Correct.
• Confirming that HBEG Procedures are well affected by tellers and ensure abiding of all Audit requirements
• Meeting customer needs and gaining their satisfaction.
• Good guidance and motivating the tellers.
• Good leadership for the assignment of extra tasks.
• Ensure that all cash procedures and transactions are efficiently processed.
• Handling all branch archiving documents.
• To act as recovery coordinator backup and to avoid any disaster that may occur.
• To ensure that ATM tasks are efficiently carried over and act as ATM First Custodian.
January 2009 - December 2009
HSBC Bank, Egypt
Advance relationship officer. (Retail and Wealth Management))
• Responsible for growth, product management, and profitability of HSBC Status Proposition.
• Ensuring implementation of group's guidelines and facilitating maintenance of services standards.
• Maximize product sales to agreed targets by probing customer needs and actively cross selling products
• Identify and follow upon sales opportunities based on potential customer lists.
September 2005 - January 2009
HSBC Bank, Egypt
Personal Banking Representative (Retail and Wealth Management)
* Providing customer service support on a day to day basis.
* Establish and maintain positive customer relationships.
* Visiting business customers and submitting proposals.
* Ensure effective handling of upset clients on location and increasing their awareness of the benefits of the banks products and services.
* Cross selling new products and services as appropriate to clients needs and generate opportunity leads for other units to follow up on and close.
* Following up on documentation and coordinating with other departments in order to ensure that our service is delivered to the client on time.
April 2004- August 2005
ERA Real Estate.
Real estate broker and marketing coordinator.
• Regularly prospecting targeted areas for potential leads
• Maintaining a large scale of lists to maximize sales
• Marketing customer's property as appropriate
• Ensuring maximum market exposure
• Ensure through personal example, that ERA provides a high quality service.
- Selling products for several companies (AT&T, T-mobile, AOL, Microsoft…)
- Approaching targeted customers mainly in USA and UK. Through tele-marketing
- Providing training for new staff over selling and closing sales techniques.
Capital markets, Monetary System and central banks, investment Funds, Bonds, Equities and stock markets indices, Derivatives and Financial Services Industry.
COLLEGE The University Of New Brunswick, Canada.. (Graduation year: 2004) Bachelor of Business Administration (B.B.A.) Major: International Business Administration Minor: Psychology GPA: 3.0/4
SCHOOL Oruba Language School. (Graduation year: 2000)