Branch Manager
Invest Bank, Sharjah
Total years of experience :22 years, 4 Months
InvestBank was established in 1975 as a public shareholding company in the Emirates of Sharjah. Throughout its existence, the Bank has made significant advances, consolidating its structure and establishing itself as one of the leading banks in UAE.
Highlights:
• Provided leadership and direction for branch operations in all aspects - Retail, Commercial and deposits placement.
• Handled a total advance of AED: 600M, including high net worth accounts, contracting, real-estate project finance, manufactures, Quarries, and Trade Finance.
• Championed branch management under the internal/external regulatory framework in compliance with the organizational policies as well as Basel accord.
• Instrumental in propelling bank business growth and registering branch net profit of AED: 21M in 2017. Attained this challenging goal amidst the constantly reshaping global retail-banking landscape.
• Superintended a team of 33 to dexterously manage the entire gamut of operations and administrative functions of the Sharjah Branch. Including subordinates’ staff - Operations Manager and Operations Officer/Supervisor reporting to me.
• Developed innovative world-class sales and service operations management programs to propel a Bank to a position of leadership within its respective market as well as bank image in the local community.
• Reporting to GM, AGM branches, all Executive Management and Credit Risk Management dept.
• Granted Authorities with Signature category A, jointly with DGM branches within the approved limits assigned by the management
Responsibilities:
• Commanded day-to-day operations of the Branch. Established and implemented short- and long-term commercial business development plans, goals, policies, and operating procedures.
• Ownership and accountability for all operational and financial aspects of the Branch. Oversaw sales, internal service, operational activities, and maintenance of the Branch’s physical facility and performance of all branch staff.
• Established internal and external business development action plans for the Branch consistent with the Bank’s policies.
• Dexterously owned the strategy and execution of the financing product roadmap to position the Bank for future success.
Project and monitor overall deposits, loan and income performance and trends. Periodically communicated results and growth recommendations to AGM branches.
• Reviewed business activity reports to identify the strengths and weaknesses of the Branch. Proffered value-added quality insight to support executive decision-making, proposition and process development.
• Partnered with the credit team to support the development of a quality credit proposal. Closely monitored all borrowing accounts and initiate any change in risk rating. Focused on identifying and soliciting new borrowing relationship customers, concur all new and existing credit proposals jointly with the risk team.
• Mobilizing deposits for adequate assets vs. liabilities
• Filtering all incoming/outgoing transfer for AML purpose and compliance transparency
• Overseeing Trade Finance activities, Discounting export LCs and issue Cross border Guarantees.
Byblos Bank is one of the top banks in Lebanon, a full-service financial institution; it offers world-class support, with a solid presence in strategic countries on three continents.
Highlights:
• Under my leadership, secured 1st ranking among 74 branches and Best customer service award for 2005.
• Played a key role in exceeding monthly branch sales target and expanding customer base in northern Lebanon.
• Managed a mass affluent branch with Advances $: 68M and availing all types of retail banking products, SME and Corporate Customers. Mobilizing deposits of $: 100M and cross-selling investment funds and Bancassurance. Reported to the GM.
Responsibilities:
• Acted as an branch management and operations champion by providing operational updates, best practices and assistance in managing operations for successful audits and risk management.
• Administered the daily processing functions and new account operations.
• Acted as a mentor, coach & trainer for the team of 21+ and drive them, enarmed with 100% banking product/services knowledge to meet their monthly targets.
• Ensured employees follow all prescribed security, audit controls, and reporting and performance standards.
• Handled all credit and lending phases, including review and analysis and structuring.
Highlights:
• Bestowed with recognition letter on Branch improvement and turnover by Senior Management.
• Entrusted to handle a portfolio of advances AED 290M and deposits of AED 500M with a wide exposure on a large customer base of commercial banking, contracting finance and ruler family accounts.
• Managed full Branch along with 16+ employees and personnel aspects, including performance management/reviews; goal setting and performance measurement; development and training.
Responsibilities:
• Identified and solicited new customers and fostered a synergistic relationship with existing customers, thereby generating unprecedented business and increasing assets.
• Implemented new operational procedures to improve service, operational efficiency and reduce costs. Reported to AGM/GM.
• Ensured all KYC, due diligence and other regulatory requirements are met for all accounts.
Highlights:
• Developed and managed Retail banking and commercial business to achieve the budgeted growth while maintaining an acceptable level of internal controls and quality risk assets. Reported to the AGM.
• Led the Branch level operations activities to ensure superior customer service and maximum operational safety, effectiveness and efficiency.
Previous Professional Experiences
• Feb 1998 - June 1998: Senior Marketing Executive, Al Khazna Insurance Co. Abu Dhabi, UAE
• June 1995 - Sept 1997: Branch Manager, Arope Insurance Co. Beirut, Lebanon
• May 1990 - Dec 1993: Commercial Manager, Mashreq Bank, Al Ain, Abu Dhabi, UAE
• March 1986 - August 1989: Credit officer, Lebanon and Gulf Bank S.A.L, Tripoli branch, Lebanon
• Bachelor of Business Administration, Major: Business Computer Sciences, Central State University, Edmond, Oklahoma, USA