YasseR Abed Alkareem

• Develop high quality business strategies and plans ensuring their alignment with short-term and long-term objectives
• Lead and motivate subordinates to advance employee engagement develop a high performing managerial team
• Oversee all operations and business activities to ensure they produce the desired results and are consistent with the overall strategy and mission
• Make high-quality investing decisions to advance the business and increase profits
• Enforce adherence to legal guidelines and in-house policies to maintain the company’s legality and business ethics
• Review financial and non-financial reports to devise solutions or improvements
• Build trust relations with key partners and stakeholders and act as a point of contact for important shareholders
• Analyze problematic situations and occurrences and provide solutions to ensure company survival and growth
• Maintain a deep knowledge of the markets and industry of the company

• Create business proposals for new and existing opportunities.
• Play fundamental role in setting up new businesses; take responsibility for the effective on-boarding of new customers.
• Give a rundown of the level of competition and general market activities on a daily basis to the general manager.
• Give up-to-date information relating to customer activities.
• Establish relationship with clients and provide high standard of customer service continually.
• Organize and arrange specified records and files in order to keep track of financial transactions.
• Ensure that departmental areas of responsibility are efficient, and that all loan files are supported by adequate documentation to ensure the viability of sales of loans into the first market and secondary market.
• Establish and maintain a mutual professional relationship with all banks, Financial institutions, government authorities I.e. (Dubai Land Department, DIFC and Municipality
• Make sure that mortgage team is meeting the customer expectation by providing an outstanding client relation.
• Follow up with all of the pending payments and issues could happen from banks
• Quickly identify, resolve, or escalate problems/opportunities as they occur.
• Train, coach, motivate and supervise staff to achieve high quality work product and service levels.
• Compile and analyze reports for department
• Work with the general Manager to balance staffing level and assist in selection of candidates for hire in the departments.
• Develop, implement, maintain, and revise policies & procedures for areas of responsibility to ensure company compliance with current, as well as future, state and federal laws affecting the mortgage lending business.
• Develop, implement, and maintain correspondent review program to source and create recommendations for improving internal operating efficiency
• Liaise with department representatives in order to resolve loan processing issues and effectively meet expectations for quality and service deliver

• Contribute to bank revenue / profit by achieving the assigned sales target and to provide optimum level of
customer service keeping in mind the core values of the bank
• prepare a business plan / strategy on the sector of clients to be covered to ensure that targeted budget is met, to manage the Sales target & to develop the Sales Channels in line with the Sales Strategy
• Maintain agreed TAT for internal & external customers in order to obtain optimum customer satisfaction level
• Conduct proper checks of customer files based on the credit guidelines before submission to credit to ensure
maximum approval & to make sure that the quality of files submitted are without discrepancies
• Preparing the daily sales report and the pipeline report on all possible leads for the month including follow-ups for future deals to have an updated status of all cases and conversions
• prepare a summary of all existing clients on a daily basis for future correspondence and sending info on
promotions to obtain more referrals
• Being updated on all product parameters regularly, to attend all internal and external training programs conducted& to be updated on competitor information, market developments to be in a position to recommend suggestions to internal and external clients.

• Sell, for a fee, real estate owned by others.
• Obtain agreements from property owners to place properties for sale with real estate firms.
• Monitor fulfillment of purchase contract terms to ensure that they are handled in a timely manner.
• Compare a property with similar properties that have recently sold, in order to determine its competitive market price.
• Act as an intermediary in negotiations between buyers and sellers over property prices and settlement details, and during the closing of sales.
• Generate lists of properties for sale, their locations and descriptions, and available financing options, using computers.
• Maintain knowledge of real estate law, local economies, fair housing laws, and types of available mortgages, financing options and government programs
• Check work completed by loan officers, attorneys, and other professionals to ensure that it is performed properly.
• Supervise agents who handle real estate transactions.
• Rent properties or manage rental properties.
• Arrange for title searches of properties being sold.
• Give buyers tours at properties in which they are interested
• Review property details to ensure that environmental regulations are met.

• Advise clients on financial plans utilizing knowledge of investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage and financial objectives to establish investment strategies,
• Build and maintain client bases, keeping current client plans up-to-date and recruiting new clients on an ongoing basis,
• Explain to individuals and groups the details of financial assistance available to college and university students, such as loans, grants, and scholarships,
• Guide clients in the gathering of information such as bank account records, life and disability insurance records, pension plan information, and wills,
• Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation,
• Interview clients to determine their current income, expenses, insurance coverage, financial objectives, risk tolerance, and other information needed to develop a financial plan,
• Review clients' accounts and plans regularly to determine whether life changes, economic changes,

• Responsible for monitoring and reporting on competitive and industry developments pertinent to the Society’s tactical positioning and which influence our ability to achieve plan goals for volume and profitability.
• Responsible for ensuring that approved products are set up in line with procedures and for the ongoing management and development of procedures to optimize efficiencies in line with Lean principles.
• Liaise with Intermediary Lending department to ensure Mortgage Sourcing Systems are kept updated with product information as appropriate, and that sourcing opportunities are maximized
• Manage relationships with selected intermediary key suppliers, to support the delivery of their volume targets through exclusive product offerings, enhanced service and ongoing close interaction, in line with our intermediary customer proposition.
• Sign-off product details in new marketing and promotional material as required.
• Create, maintain and enhance working relationships with key contacts e.g. Marketing, Sales, Finance Decision Support, Mortgage Support, Treasury, Legal, Compliance, Marketing
• Identification of potential marketing campaigns that support the mortgage customer proposition and drive commercial opportunity.
• Maintain the department procedure manual for mortgages, and keep aligned with equivalent manuals for savings and partnerships.
• Ensure that the end customer is at the heart of all decision-making

3Years Oct 2004 - Oct 2007 Mashreqbank Dubai -UAE
SR. Authorization and Fraud Officer
• Providing Authorization Codes for Visa / MasterCard Transactions.
• Preparing & Publishing various MIS Reports for the stakeholders.
• Training newly recruited Officer on procedures & day to day operations in the Unit.
• Ensure Unit compliance with Visa / MasterCard International rules & regulations.
• Restricting / controlling fraudulent transactions by identifying fake cards used at merchant outlets.
• Providing operational support to units such as Fraud Management, Chargeback & Interchange Unit.
• Ensure Merchant / Customer satisfaction by providing superior bank services