Salman Mohmmed AlDubaiban

Credit Manager at alinma bank

• Saudi Arabia
• My current job since January 2018

Branch Manager at Bank ALJazirah

• Saudi Arabia - Riyadh
• My current job since September 2009

Crafted an impressive growth path rising from the position of Acting Area Manager to Branch Manager within a short span of time.

Designation Chronology:
• September 2009 - Present: Branch Manager
• , August 2011, September 2011: Acting Area Manager

Highlights:
• Played a pivotal role in achieving the 2nd at middle region level and 4th position at the branch network level among 60 braches at the balance score card.
• Played a role of developing employees and upgrade many of them in higher position
• Played a vital role for contributing the development of 2 banking systems including block coding for customers and loans.
• Successfully supported in developing and repairing buildings and facilities of the two major branches in KSA
• Played a fundamental role in assisted in maximizing the outputs of the oldest branch in KSA in less than 2 years

Responsibilities as Branch Manager:
• Designing, implementing and supervising credit related operations (loans, credit cards, overdrafts) and customer support systems
• Formulating strategic plans geared towards the expansion and operational productivity for the main branch of the bank, overseeing staff performance and ensuring bank's standards are achieved.
• Initiating the changes to existing marketing policies, procedures, terms and conditions, executing the marketing plans on the area level in order to provide improved customer service and amplify the company’s overall profitability
• Developing contacts with diversified network of high net worth individuals and local banks, specialized credit institutions in order to facilitate all banking and credit related business
• Expanding current accounts, developing account strategies, negotiating and closure of relationships with leading prospects for enhancing profits and market share growth.

Head Of sales at Kirnaf Finance Company

• Saudi Arabia - Riyadh
• My current job since March 2013

Highlights:
• Increase clients portfolio by creating new clients.
• Increase the annual sales for Kingdom .
• Establish customer services and collection department.
• create the job description, daily duties for sales, customer services and collection staff and department.
• Successfully, achieve the annual objectives which was set by the top management.
Responsibilities as Regional Manager:
• Create annual plans and marketing objectives for Central province .
• Supervise and manage sales team to achieve their own targets .
• Audit, review the new clients proposal and assist in the financial report analysis to approve or disapprove the proposal.
• Solve problems, and Provide on time solution for Riyadh province daily operations

Continued at Continued

• Saudi Arabia - Riyadh
• July 2010 to August 2010

Responsibilities as Branch Manager (Continued):
• Presenting a customer friendly image to clients, forging long term business relationships as a key impetus to improve market share of the company.
• Establishing overall directions, process flow and standards in the branch to deliver targeted results, ensure all service clauses are duly adhered to and all complaints are addressed within a reasonable time frame.
• Keeping abreast of current areas of expertise, new technologies to facilitate the bank in improving services.

Key Responsibilities as Acting Area Manager:
• Explored potential business opportunities, established distribution networks for products and services in the entire region whilst monitoring compliance with bank’s strategies, policies and standards.
• Established key account plans with sales personnel for attaining daily, weekly and monthly sales targets to deliver highest standards of customer service whilst maintaining/improving quality standards.
• Strategized, managed, and expanded entire business area as per bank goals/ strategies. Supported rapid sales growth through development and implementation of promotional activities with a high level of efficiency, quality and cost effectiveness.
• Evaluated the strengths, weaknesses, opportunities and threats within the region relating to the company’s products and services, effected short and long term counter measures to neutralize competitor strategies.
• Developed appropriate plans for execution of promotional activities to enhance product visibility and make pleasurable experience for customers.

Relationship Officer at National Commercial Bank

• Saudi Arabia - Riyadh
• July 2007 to September 2009

Crafted an impressive growth path rising from the position of Customer Service Supervisor to Relationship Officer within a short span of time

Designation Chronology:
•July 2007-September 2009:Relationship Officer
•December 2006-July 2007:Deputy Branch Manager
•April 2006-December 2006: Customer Service Officer
•September 2005-April 2006:Customer Service Supervisor

Highlights:
• Instrumental in developing and promoting the branches, thereby achieving 6th position among 350 branches
• Played a key role in raising the portfolio from 7 customers to 53 customers in 1 year and 2 months

Key Responsibilities:
• Reviewed personal, commercial loans and credit cards proposals, verified relevant documents and processing the loans through the bank core system prior to sanction/disbursement of loan, in alignment with organizational credit policies
• Congregated/analyzed financial information pertaining to loan applications, business conditions and approved/ rejected credit applications, to guarantee smooth/proper implementation of approved credit facilities, effective servicing of accounts
• Assisted customers in opening bank accounts, provided accurate information pertaining bank’s facilities/services, attended to customer and proffered excellent customer service, thus developing a large customer base
• Analyzed Fixed Deposits requests from retail/corporate clients, provided recommendations on interest rate for the fixed account and oversaw the transfer of amount to FD accounts of the clients
• Sustained highest standards of work ethics on matters relevant to client well being and protection of corporate business interests
• Underwent extensive training in areas such as dealing with corporate clients, recording client’s data in customized balance sheet of the company
• Projected a highly professional and customer friendly image to customers, thus forging long term business relationships as a key impetus to expansion and growth

Deputy Branch Manager at National Commercial Bank

• Saudi Arabia - Riyadh
• December 2006 to July 2007

Key Responsibilities:
• Designed, implemented and supervised credit related operations (loans, credit cards, overdrafts) and customer support systems.
• Analyzed credit rating and financial solvency of applicants, to evaluate risks, used discretion in specific cases to authorize premium personal loans and major corporate loans.
• Ensured all service clauses are duly adhered to and all complaints are addressed within a reasonable time frame. Established overall directions, process flow and standards in the branch to deliver targeted results.
• Assisted the branch manager in formulating definite credit guidelines as per client strata, defined processes and requisite documentation for the smooth running of branch operations.
• Maintained and studied statistics of call volumes, complaints, traffic patterns, service level, staff performance and risk indicators. Drafted reports based on the same, to create management strategies in direct coordination with the senior management.
• Formulated, executed and monitored client-servicing strategies based on market intelligence of competitors, while keeping management updated about developments.
• Liaised with a host of corporate and retail clients, to ensure optimal levels of service and long term business relations. Cross sold products, based on eligibility and credit history of prospective/existing clients, followed up on referral business to expand client base.
• Trained bankers/sales officers on features/benefits of new banking products in retail and corporate sector. Coordinated/supervised implementation of training courses.

Customer Service Officer (Excellence Service) at National Commercial Bank

• Saudi Arabia - Riyadh
• April 2006 to December 2006

Key Responsibilities:
• Developed relationship with consumers by providing premier customer service/escalating situations. Promptly responding to customer problems pertinent to account opening forms/ loan requirements and other inquires.
• Projected a highly professional and customer friendly facade to clients, forging long term business relationships as a key impetus to expansion and growth.
• Scrutinized new account opening procedures, regulatory compliance and Bank Secrecy Act for effective risk management.
• Increased operational efficiency by streamlining documentation process and tracking all account opening/loan requirements and account processing procedures.
• Handled a gamut of PR activities of the bank CSRS for improving the bank service through direct communication with the clients in order to attain highest level of customer service.
• Oversaw CSRS counter activities and verified day-to-day transactions for accuracy/ completeness and reviewed branch's daily transactions checklist.
• Monitored CRM system, ensured consistent achievement of established productivity and quality standards. Responsible for achieving weekly targets of team and reporting sales.

Previous Professional Experiences:
• September 2005 - April 2006: Customer Service Supervisor, National Commercial Bank, Riyadh, Saudi Arabia.
• November 2004 - June 2005: Personal Finance Assistance Manager, Bank AL Jazirah, Riyadh, Saudi Arabia.
• June 2004 - November 2004: Personal Finance Officer, Bank Al Jazirah, Riyadh, Saudi Arabia.