Head of Sales assets and Liabilities
United Arab Bank
مجموع سنوات الخبرة :17 years, 1 أشهر
Heading retail sales assets and liabilities in Abu Dhabi & Al Ain.
Determines annual unit and gross-profit plans by implementing marketing strategies; analyzing trends and results.
Establishes sales objectives by forecasting and developing annual sales quotas for region projecting expected sales volume and profit for existing and new products.
Implements area sales programs by developing field sales action plans.
Maintains sales volume, product mix, and selling price by keeping current with supply and demand, changing trends, economic indicators, and competitors.
Establishes and adjusts selling prices by monitoring costs, competition, and supply and demand.
Completes area sales operational requirements by scheduling and assigning employees, following up on work results.
Maintains area sales staff by recruiting, selecting, orienting, and training employees.
Maintains area sales staff job results by counseling and disciplining employees; planning, monitoring, and appraising job results.
Maintains professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies.
Contributes to team effort by accomplishing related results as needed.
Succeeded in managing portfolio of AED 850 Million of assets and AED 950 Million liabilities.
Overachieved of the assigned target to my area.
Managed Khalidiya Branch since inception and achieved optimum results on so many aspects including retail sales, (Personal loans, Cards, Mortgages, casa, all deposits and Privilege banking accounts)
Succeeded in managing portfolio of AED 500M of assets and AED 600 M liabilities
Successfully managed migrating portfolio of three branches to khlaidya branch.
Managing 5 departments (Retail service, SADARA privileged, OPS, PLSE & mortgage team).
Reviewing all Trade finance transactions and letters Performance, LGs, LCs and transfers).
Sourcing and mobilizing new business by retaining existing clients and new to bank clients.
Implement branch sales budget and business plan.
Drive manage and track branch performance toward achieving business, sales and service quality goals and targets through marketing bank products and services and increase customer data base by direct and cross selling.
Scheduling the annual leave for the branch staff
Inform and guide sales team in acquiring new market opportunities during regular meeting
Reporting not listed companies deserved to be listed and preparing the reporting before submitting to credit risk analyst team
Internal spot audit to review the policies and regulations are implemented
Assigning the monthly target and reviewing the achievement
Develop and monitor individual performance and action goals
Analyze, target and segments opportunities to increase sales achievements
Reviewing all facilities application (SME, PL, Auto loan, mortgage loan and credit card)
Meeting in regular basis with branch staff to review, assess and enhance level of sales and service.
Coaching and training staff to insure full awareness of bank products and services.
Ensuring that all audit points are fully adhered to and that they are not repetitive.
Managing and implementing channels migration strategy.
Monitoring branch portfolio assets and liabilities.
Managing staff rotation within branch to insure all functions are fully covered.
Ensuring the adherence to the branch operations manual.
Starting new Payroll relationships with existing SME clients as well as corporate clients
Supervising MIS Department.
Ensure timely preparation of H.O. Management Reports - Monthly & Quarterly • Ensure timely preparation of Central Bank Reports - Monthly & Quarterly • Ensure all accrual, depreciation entries passed monthly
Preparing appraisal reports for all subordinates in all departments; sales and service, Islami, outdoor sales and
Back office operations team.
Ensuring control functions are carried out as per bank’s procedure
Following-up with collection department regards unsatisfactory payments accounts.
Handling and following all this tasks for “conventional loans, Islamic finance, small business finance, housing loans and fixed deposit”,
Work closely with credit risk and compliance to ensure all quires are fulfilled with bank parameters and time frame
Develop and monitor performance and action goals for the sales team
Processing all customer requests through bank system using Finnone, Finnacle and CRM
Reviewing all the facilities (personal loan/ finance- home finance- SME-OD- C.C) requests before submission
Preparing inspection report for all SME applications and reviewing the application before submission.
Dealing with all departments following approval and disbursement
Over Achievement of my team’s& branch target. Increasing the branch portfolio
Responding to customer inquiries and dealing effectively with their complaints
OD, FD renewal, WPS, LG & LC,
Having good knowledge about the market and banks policies
Experience and knowledge of dealing with (CRD, CAU, CPU & Treasury department)
Training all new staff for (all bank product) ensuring awareness of all bank products.
Assist customers to select the most suitable financial product (personal loan, credit card &PDC loan) for their own satisfaction and need,
Responsible& assist for doing in house evaluation of property (for the properties with we are going to do mortgage for it) with PV, through our dialer
Customer retention,
Preparing appraisal reports for all subordinates in all departments; sales and service, Islami, outdoor sales and back office operations team.
Immigration to VIP'S customers to (Al Faris Department).
Correspondence with Head Office and other branches,
Oversee the security aspects of the branch,
Graduated from faculty of commerce.