Senior Mortgage Advisor
National Bank of Abu Dhabi
مجموع سنوات الخبرة :6 years, 3 أشهر
•Preparing Credit Assessment Sheet reflecting all collateral requirements, financial details, statement analysis, business turnover, liabilities of customers to determine the allowed finance amount to be landed
•Performing in-depth financial analysis proposal including DSR, DSCR, stress test for New mortgage loans, equity release, buyout or construction loans.
•Scrutinising mortgage documentation and other securities
•Certifying adherence to the policies and procedures related to Mortgage Product schemes: Residential, investment, buildings
•Reporting the analysis to Unit Head for further review and approval
•Setting sales plan from finding the rights prospects till developing them into mortgage leads and closing deals
•Guiding Customers to the right mortgage scheme that suits their needs
•Organising daily meetings with customers and agents in all emirates in UAE
•Overcoming customer’s objections, hesitations and fears.
•Building good rapport with clients from different nationalities, lifestyles and social backgrounds.
•Holding policy presentations to new mortgage advisors
•Achieving assigned monthly target of AED 4 Millions
• Ensuring that the Bank is adequately protected through complete, continuous compliance awareness and legal enforceable documents
• Promoted all types of loans, insurance products, credit/debit cards, cross-sell investments to customers
• Enhanced retail clientele by 15% through reaching out prospective clients proactively and guiding them to their suitable products
• Handled 10 elite gold customer accounts for 2 years, by offering them priority service, superior banking rewards and facilities
• Resolved issues and problems with existing customer’s accounts
• Acquired new customers/ Opened 1800 new accounts
• Trained 2 new employees
• Persuaded my colleagues to use new working strategies to
increase sale
• Attained trainings about compliance, Money laundry detection,
credit facilities, sales techniques, etc.
• Provided account service to customers by receiving deposits, and Loans payments using AS400
• Performed cashing cheques, withdrawals, transfers and foreign currency exchange after verifying Identification
• Issued banker cheques, travelers cheques, bank statements
• Answered customers inquiries about their account details, fees and history
• Cross-sell bank products as bonds and loans
• Identify transaction mistakes when debit and credit do not balance
• Observed the work of each section in the retail branches
• Assisted CRO’s their LG/ LC documentation and execution.
Main courses: marketing research, public relation, consumer behavior, basics of marketing, advertising ,business development, accounting, business development.Accounting.Economics.Finance.etc