Excess Approval Mnaager
Commercial Bank of Qatar
Total years of experience :29 years, 7 Months
•Receiving excess approvals requests from branches and operations through the clearing system.
•Referring excess requests to the Relationship managers in various business units and ask for feedback.
•Reply to branches to allow or reject the excess requests.
•Handle all referrals requests on the clearing system (ECC) and reply before the cut off time.
•Verifying of authorized signatories on Credit documents.
•Handle enquiries from customers, branches & relationship managers regarding excess approvals and fees charges.
•Ensure the compliance with the internal & regulator policies.
•Manage the branch towards achieving sales targets and providing quality customer service.
•Allocate sales targets to branch staff, and organize sales teams in a way that will achieve the targets.
•Organize and monitor in-branch and outbound campaigns and promotions.
•Promote and sell products and services and direct customers to UAs to complete the sale.
•Track performance/ effectiveness of local and Bank-wide campaigns, and reporting results to HQ.
•Approve branch expenses within authority levels, and rationalizing expenses.
•Identify loss making customers and devising ways to improve profitability.
•Ensure that branch cash levels and securities meet Bank guidelines.
•Follow up on unauthorized overdrafts / delinquent accounts and work to minimize it.
•Track customer satisfaction and soliciting feedback to identify / implement improvement opportunities.
•Relay market trends and developments to Retail Banking management.
•Manage of Service Delivery Cycle within the branch and Use and adhere to Operational Risk guidelines.
•Ensure that branch staff is applying the most recent processes and procedures.
•Review reports, ensure accuracy of content, and take corrective actions if necessary.
•Approve / authorize transactions outside the authority of branch staff as per guidelines
•Extend operational and administrative support to the branch staff and follow up with past due customers.
•Perform “surprise” audits (as per guidelines) on custodies and registers to ensure compliance.
•Maintain secrecy of system access codes and passwords, and modify codes/ passwords regularly.
•Monitor money laundering activities, and coordinate remedial actions with senior management.
•Discuss development needs with staff, and coach staff to develop plans to address these needs.
•Perform timely, accurate staff evaluations, and provide timely feedback and suggestions.
•Provide coaching and mentorship to branch staff, and develop promising second lines of management
•Oversaw the efficient, daily operation of the branch.
•Reviewed new accounts, ensuring the reduction of errors.
•Continuous eye for up-selling and cross-selling opportunities that may be beneficial to the customer.
•Reviewed loan files provided by customer service prior to submitting to branch manager for approval.
•Addressed escalated customer issues using astute judgment, diplomacy and excellent problem-solving skills.
•Open new accounts for customers and provided superior customer service to maintain clients.
•Provided complete, accurate loan applications to credit management for approval.
•Received requests from customers and review and transferred to the appropriate section.
•Always provided a high level of customer service based on outstanding communication and interpersonal skills.
•Performed teller transactions in the areas of checking, savings, deposits and withdrawals.
•Provided highly personalized service that built and strengthened customer’s relationships.
•Issued draft checks in other currencies for clients and effectively managed up to 5 currencies per day.
•Identified opportunities to cross-sell valued-added bank products and services.
•Performed property management duties, including the collection of rent.
•Collected rents owed by various apartments and shops and promptly send warning to tenants in arrears.
• Deposited paid rents into customer accounts.
•Issued monthly statement to customers and the Bank regarding repayment arrearages and suggest follow-up resolutions to reduce recurrence.
Part Time Diploma issued by ILM (UK)