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Raja Rafeh, Assistant Relationship Manager, Large Corporate, Wholesale Banking Group, Dubai, UAE

Raja Rafeh

Assistant Relationship Manager, Large Corporate, Wholesale Banking Group, Dubai, UAE·Abu Dhabi Commercial Bank

United Arab Emirates

Higher diploma, Business Administration And Computer Science

Work experience

Total years of experience: 16 years, 8 months

Assistant Relationship Manager, Large Corporate, Wholesale Banking Group, Dubai, UAE

January 2019 - November 2022

Abu Dhabi Commercial Bank

Dubai, United Arab Emirates

January 2019 - November 2022

Handling the day to day tasks assigned to me by three Senior Relation Managers, including but not limited to credit application renewals, risk monitoring, cheques clearing, extension of limits, discounting PDCs, trade finance approval to issue LCs and LGs and advance payments.
Key Responsibilities
• Providing support to the business team for a portfolio of 24 billion dirhams borrowing clients funded, 100% cash margin and working capitals clients and act as a principal point of contact in the RM’s absence.
• Monitor quarterly Central bank portal for all borrowing clients for risk monitoring in case companies in loss or defaulting.
• Handle trade finance approval required, in term of limits dropped, Letter of Guarantee, Letter of Credit, Advanced Payment Guarantee.
• Trace repayment of Term Loans, STLs, RSTL and TODs with client on a monthly basis to avoid loans in arears and to facilitate internal auditing and compliance once a year.
• Managing all expired legal and general documents received by Quality and Control such us (Expired insurance, expired deferrals, asset pipeline, expired Limits, credit pipeline, expired Trade license, change of ownership, inheritance and company name change) and dispatch supporting documents for lodgment with vetting unit.
• Ensure ultimate customer satisfaction by monitoring their near maturity fixed conventional deposits / Islamic deposit by obtaining necessary renewal instructions.
• Manage a team of 12 people delegated by manager while being away.

Recognitions:
• 3 times rendering exemplary service delivery.
• Sustaining ultimate customer relationships by being open, trustworthy and transparent.
• Participating in product trainings for maintaining updated product knowledge.
• Training 9 new joiners post restructure.
• Leading senior managers and banks senior level meetings.

Company industry:
Banking
Job role:
Banking

Senior Analyst Interact, Customer Contact Services, Customer Care

December 2014 - January 2019

Abu Dhabi Commercial Bank

Abu Dhabi, United Arab Emirates

December 2014 - January 2019

Key Responsibilities / Operations Management:
• Heading team efforts in resolving 150 complaint cases on day to day basis through assigning weekly tasks and responsibilities for the team
• Resolve Central Bank and Media complaints in a stipulated time frame.
• Responsible for card dispute reversal and account reversal in coordination with centralized unit.
• Thorough collaboration with Department Heads and Sr. Management for implementing remedial measures and other operational issues aimed at maintaining seamless operations.
• Delegated in approving a refund matrix for account and credit card under a certain threshold

Achievements:
• Awarded for playing key role in software upgrade required to enhance operational efficiency.
• Distinguished for efficiently training and leading 4 interact officers post-merger of ADCB and RBS
• Winner of Star Tamayuz for proactively resolving issues within prescribed standards.
• Recognized 18 times as best officer of the month for accomplishing business targets and rendering exemplary service delivery.

Company industry:
Banking
Job role:
Banking

Associate - Interact, Customer Contact Services, Customer Care

October 2008 - December 2014

Abu Dhabi Commercial Bank

Dubai, United Arab Emirates

October 2008 - December 2014

• Handling department email address by responding to customers and the wide bank staff.
• Enhancing customer satisfaction by effectively resolving customer issues and rendering qualitative service delivery.
• Uploading refund charges to retail or commercial accounts aligned to empowerment matrix.
• Understand operational risk factors and implications for own business area / evaluates the risk and cost implications of own.

Company industry:
Banking
Job role:
Banking

Customer Service Officer for Auto & Smart Loans (Retail Control Unit - RCU)

April 2006 - October 2008

Abu Dhabi Commercial Bank

Dubai, United Arab Emirates

April 2006 - October 2008

Key Responsibilities / Operations Management:
• Coordinated activities related to closing loan maturity or early settlement accounts followed by issuing release letter addressed to the ministry of car registration and licensing department for customers.
• Followed up with concerned authorities for issuing no liability letter, no objection letter and recalling PDCs post settlement or closing of loans.
• Involved in changing cheques from one bank to another, stopping old set of cheques including cancelling cheques for direct debiting from personal current or saving account aligned to operational requirements.

Company industry:
Banking
Job role:
Banking

Education

Professional Modern Institute

September 1999

September 1999

Higher diploma, Business Administration And Computer Science

Lebanon

GPA (percentage): 97%

GPA (percentage): 97%

Professional Development Trainings • Advanced Anti-Money Laundering Certification, University of Ambition – Online Assessment, November 2014 • Risk Awareness Workshop, ADCB Ambition University Bachelors in Operational Excellence Program, November 2014 • AOM – Active Operating Management, Rotana Yas Island Hotel, May 2014 • Presentation Skills Workshop, ADCB Head Office, February 2014 • Developing and Motivating Team Workshop, ADCB Head Office, November 2013 • Information & Physical Security Awareness Training, ADCB Ambition University, November 2013 • Office of Foreign Assets Control (OFAC) and Fraud Attempts, ADCB Head Office, February 2013 • Towards Service Excellence - Learned the Tactics of the bank which provides the excellence to their customers, Crown Plaza, YAS Island, Abu Dhabi, UAE, January 2013 • Compliance Foundation, ADCB Head office, Abu Dhabi, UAE, March 2012 • Operational Risk Management Basic, ADCB Head office, Abu Dhabi, UAE, May 2012 • Branch Operation - Cash office, Teller, Chqs Clearing, monitoring ATM machines, attending to complaints, ADCB head office, Abu Dhabi, UAE, April 2011 • Delight the Customer Training, ADCB Head Office, Abu Dhabi, UAE, March 2010 • ADCB Tafani Training, ADCB Head Office, Abu Dhabi, UAE, January 2010 • ADCB Personal Loan Training, ADCB Head Office, Abu Dhabi, UAE, May 2006 • ADCB Mortgage Service Training, ADCB Head Office, Abu Dhabi, UAE, October 2006 • ADCB Car Loan Customer Service Training, ADCB Head Office, Abu Dhabi, UAE, October 2006 • Window, Word & Excel Course, Mira Training Centre, January 2001 Certifications • Certificate of Information Technology, Western Sydney Institute, Richmond, Australia, November 2001 • Certificate in English for TAFE, Sydney Institute of Technology, Sydney, Australia, June 2001

Skills

Customer Relations
Expert
Customer Relations
Expert
Business Development
Expert
Business Development
Expert
Quality Assurance
Expert
Quality Assurance
Expert
Process Management
Expert
Process Management
Expert
Operations Management
Expert
Operations Management
Expert
Project Management, Requirement Elicitation, SLA Compliance
Expert
Project Management, Requirement Elicitation, SLA Compliance
Expert
Business Development, Cross Selling, Up-Selling, Revenue Generation
Expert
Business Development, Cross Selling, Up-Selling, Revenue Generation
Expert
Product Pricing, Product Positioning, Product Mixing
Expert
Product Pricing, Product Positioning, Product Mixing
Expert
Management Reporting, Statutory Documentation, Record Keeping
Expert
Management Reporting, Statutory Documentation, Record Keeping
Expert
Operational Excellence, Process Improvement, Service Quality
Expert
Operational Excellence, Process Improvement, Service Quality
Expert
Microsoft Office Applications (Word, Excel, Power Point and Access) Networking, HTML
Expert
Microsoft Office Applications (Word, Excel, Power Point and Access) Networking, HTML
Expert
Loan Account Processing, Loan Assessment, Loan Settlement
Expert
Loan Account Processing, Loan Assessment, Loan Settlement
Expert
Retail Store Management, Merchandizing, Inventory Management
Expert
Retail Store Management, Merchandizing, Inventory Management
Expert
Resource Optimization, Budgeting, Cost Control, P&L Management
Expert
Resource Optimization, Budgeting, Cost Control, P&L Management
Expert
Performance Evaluation, Training and Development, Productivity
Expert
Performance Evaluation, Training and Development, Productivity
Expert
Effective Communication, Team Leadership, Analytical Mindset
Expert
Effective Communication, Team Leadership, Analytical Mindset
Expert
Customer Relations
Expert
Customer Relations
Expert
Business Development
Expert
Business Development
Expert
Quality Assurance
Expert
Quality Assurance
Expert
Process Management
Expert
Process Management
Expert
Operations Management
Expert
Operations Management
Expert

Languages

Arabic

Expert

English

Expert

Hobbies and interests

Fishing
Body Building
Swimming, Diving

Distinguished Runner’s Up in Long Breath Under Water, 2003

Travelling