محمد البلوشي

• Dynamic and results driven, with a firm foundation in Transaction banking (Cash and Trade) cutting across Sales, Risk Management, Liquidity Management and banking operations.
• Experienced in merger, acquiring and onboarding process (AHB & UNB).
• Multi geography experience with a bias towards Corporate Islamic (UAE), Mid corporate (Dubai and northern emirates).
• Facility Structuring & Advisory services on various Corporate Banking products. Formulating Credit Proposal, Financial Analysis & Account planning to increase wallet share
• Understand customers’ businesses and to anticipate the requirements through a consultative selling process. To match customers’ needs with product capabilities through presentation of tailored demonstrations and proposals. To negotiate terms and conditions with customers to maximise revenue and profitability.
• Gain commitment for rolling out sales plans. Train and guide RMs in working capital transaction banking products and services to facilitate achievement of sales plans
• To provide feedback and assistance to all areas of transaction banking; e.g., Product Management, Marketing, etc. to ensure that the voice of the customer and local requirements are incorporated into ongoing plans and initiatives. To keep abreast of customers’ needs, trends and product/market intelligence for new product developments/enhancements, strengthening ADCB competitive position in this field.
• Work with the Origination and Client Coverage (OCC) Unit Heads, Regional Mangers, Country Managers and Head of TB for developing the cash management sales plans in line within overall cash management product business plans and the OCC plans for the country

Cash Management Sale)
Duties:
* Achieve/exceed agreed customer acquisition, revenue, product, deal, transaction, cross-sell and deposit targets.
Develop and implement effective sales strategies and action plans.
* Managed and grew an assigned Business Banking portfolio, maximizing customer coverage and product penetration.
* Act as product sales specialist/point person to key/strategic customer relationships.
* Provide market/competitive inputs to Product Team for product development and enhancement initiatives.
* Ensure tight coordination with Implementation Team for all won deals.
* Facilitate quick resolution of customer, product and implementation-related issues and ensure customer satisfaction.
* Perform other additional responsibilities and initiatives that will be assigned.

Deliver the budgeted volumes for deposits and sale of investment products.
* Increase the BLU portfolio by increasing deposits of existing customers and targeting of corporate entities not
banking with us.
* Sell the various Islamic investment products that are offered by wealth management/other business units.
* Provide “one stop” banking service to the customers of BLU ensuring timely and efficient execution of customers:
requests.
* Coordinate with other units (treasury/operations/compliance) to ensure customer transactions are dine effective
and timely.
* To maintain regular contacts with BLU customers either through telephone calls or personal visits.
* Ensure adherence to bank process and policies and report deviation to immediate supervisor/ manager
* To provide a timely, efficient and personalized service to a select group of corporate customers with the aim of
increasing the size of the portfolio, in terms of customers and deposits, and, to generate fee income through the sale
of investment.
* Ensure that customer complaints are resolved in a timely and amicable manner by referring the same to the
appropriate authority/ department and following up till resolution of the complaint.

Welcome the customers and direct them to the appropriate delivery stations.
* Handle simple service issues and complaints.
* Organize customer's queue through smart call system.
* Maintain high service standard.
* Improve level of product knowledge to reach business Excellency.
* Cross sell.
* Achieve assigned target (credit card - car loan - personal loan - Mashreq millionaire investment certificate).