راشد كارمول

❖ National Bank Of Abu Dhabi (NBAD) Abu Dhabi, U.A.E: Change Management Officer 'January 2011 - Present '
ON-THE-JOB-ACCOMPLISHMENTS:
-Documented current working processes in detail.
-Analyzed and discovered the gaps & weakness points in current processes.

-Reengineered the processes and suggested efficient working procedures that satisfied the organization's business goals and objectives.

-Identified, communicated, and reported significant deviations in project quality, cost, or schedule.

-Compiled requirements for future releases and coordinate change requests

-Interacted with business partners to understand their requirements

-Converted business requirements into clear system documentation that can initially be used to communicate with the business, but ultimately will serve as the requirements documentation for developers and testers
-Answered/clarified requirement-related questions coming from the developers and testers

-Compiled requirements for future releases and coordinate change requests

-Managed tasks in accordance with the project schedule
-Identified strengths and weaknesses and made recommendations for improvements

-Worked closely with business partners to identify and maximize opportunities to use information and technology to improve service and/or business processes

-Understood system functionality to ensure that proper procedures and best practice are maintained

-Identified, tracked and reported on issues; including their resolutions

- Maintained + updated all tasks relating to the project in the MSP (Microsoft Project) File

- Assigned to Create new process flows for all revised / approved processes using Micro-soft Visio & forward the same to the business planning & strategy department for update purposes.

- Maintained minutes of Meeting for Each meeting with stake holders across the bank (process owners + work groups) in order to refine each process & derive maximum value for each process

- Created Training Materials (Awareness Packs) for all staffs to train during presentations

- Visited branches all across UAE prior to go-live on each process to make sure all concerned staff at branches/ centralized units were fully aware of the new upcoming changes

-Organized UAT (User Acceptance Testing) sessions for each process

-Maintained a process adherence tracker for each re-engineered process whilst visiting each branch in order to report deviations from the process, if any

Senior Retail Banking Advisor 'December 2008 - December 2010 '
ON-THE-JOB-ACCOMPLISHMENTS:
-Recommended new companies for getting them listed to offer their employees retail facilities
-Maintained Daily MIS for my branch in terms of applications being submitted to CPU for processing loans
-Checked credit applications before forwarding for disbursement
-Lodged Security of credit facilities approved
-Reconciled Credit GL Statements on monthly basis
-Disbursed Personal Loans / Car loans into customer Accounts after obtaining approvals

Account Relationship Officer 'March 2008 - December 2008 '
ON-THE-JOB-ACCOMPLISHMENTS:
-Created proposals for Daily Term Loans/ Mortgage Loans that are to be renewed based on daily reports
-Arranged Facility Advice Letters for customers once their applications are approved & processed
-Maintained an Excel Sheet for collection of funds for Term loans on each Maturity Date
-Posted of Term loans/ TOD's for business banking clients into the system & monthly covering of TOD limits.

❖ United Arab Bank (UAB) Abu Dhabi, U.A.E:
Credit Officer 'July 2007 -March 2008 '
ON-THE-JOB-ACCOMPLISHMENTS:
-Received Personal Loans, Car Loans, Overdraft & Credit Card Applications
-Checked the same to comply with the banks credit policy in order to proceed the same with the Approval & Disbursal process
-Followed up of delinquent borrowers & Accounts under
Litigation/settlement
-Controlled old records, Closed Files/Accounts relating to Retail
Department

❖ United Bank Limited (UBL) Abu Dhabi, U.A.E:
Customer Services Officer 'June 2004 -July 2007 '
ON-THE-JOB-ACCOMPLISHMENTS: -Ensured constant & consistent growth in business Volumes & Profitability

-Fulfilled all customer related requests within the Prescribed Turn Around time

-Selling / Cross selling Consumer Asset & Liability Products

-Recommended New Consumer Offers Packages

-Ensured accuracy in obtaining A/C opening Documentation Within prescribed Turnaround Time for Customer servicing

-Worked in Remittances Dept. (Issuing & Balancing Payment Orders, Issuing Foreign Demand Drafts

PROFESSIONAL COURSES:
-Certified Process Professional Master® - September 2012

-Project Risk Management - June 2013
- Advanced Project Management - June 2013

-Change Management Skills - February 2013