Ashraf Ibrahim
Relationship manager
Abu Dhabi,United Arab Emirates
Summary
Experienced [Relationship Manager] with over [13] years of experience in [Retail & Financial operations Banking industry]. Excellent reputation for resolving problems and improving customer satisfaction. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
2
2
Languages
1
1
Certification
8
8
years of post-secondary education
15
15
years of professional experience
Work History
Relationship Manager – Mortgages
Mashreq Al Islami
Abu Dhabi, Abu Dhabi
02.2021 - Current
- Create and enforce plans by managed over 50 customer calls per day and a regular weekly visits for developers & real estate companies, that increased sales by 10%.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
- Established long term relationships with clients and customer
- Work quickly to address and resolve customer issues
- Evaluated approvals against established bank and government lending standards
Officer - Developer Sales (Home Finance Business)
Dubai Islamic Bank
Dubai, DU
08.2017 - 01.2021
- Performed monthly and annual Home Finance sales targets as per assigned KPIs. by YTD | 135% -2018 , 140% - 2019.
- Established relationship with Real Estate Brokers / Developers in order to capture market share.
- Maintain agreed TAT for internal & external customers in order to obtain optimum customer satisfaction level and referrals.
- Conduct proper checks of customer files based on DIB credit guidelines before submission to credit to ensure maximum approval & to make sure that the quality of files submitted are without discrepancies.
- Prepare daily sales reports and necessary MIS reports on all possible leads for month including tracking.
- Ensure compliance with approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation.
- Developed and voted on budget allocation plan, contributing to future improvements to campus facilities
Branch Sales & Service Executive
Al Hilal Bank
Abu Dhabi, Abu Dhabi
10.2009 - 07.2017
- Managed branch sales, customer service, finances, and recordkeeping.
- Resolved customer complaints to maintain high level of satisfaction.
- Maximize cross sell of all financial products promoted by bank as banc-assurance & investment funds .
- Fully conversant with Bank policies/ products and anti-money laundering procedures.
- Zero operational errors and ensure timely update of Customer data when file is sent by RBG MIS team.
- Ensure all complaints are resolved as per Customer Care.
- Nil Complaint for miss behavior or misconduct.
- Ensure 100% implementation of all areas of betterment identified from complaint’s analysis report.
Relationship Officer
RakBank
Abu Dhabi, Abu Dhabi
01.2008 - 10.2009
- Working in personal loan department to answer Bank customers’ inquiries and solve their problems.
- Perform monthly sales target & establish good network of business sourcing referrals.
- Managed over 20 customer calls per day
Financial Planner
Allianz Egypt
Alexandria, Egypt
05.2006 - 12.2007
- Establish good potential customer interesting to invest in saving plan along with insurance on personal life & family needs in future
- Respond on customers’ inquiries and Negotiating with clients on arrangements regarding payments and making recommendations to develop partnership relation with clients to reach win-win situation for mutual benefits.
- Managed over 50 customer calls per day.
Education
Bachelor of Accountancy - Accounting And Business Management
Alexandria Unviersity
Alexandria, Egypt 05.2001 - 05.2006
High School Diploma -
Victoria College
Alexandria, Egypt 09.1998 - 05.2001
Skills
Patient relationship management
Accomplishments
- Achieved [135%] YTD in 2019 -with portfolio 69.2 Million.
- Achieved [140%] YTD in 2018 -with portfolio 78 Million.
DIB:
Al Hilal Bank:
1- Best achiever Q1 - 2011 for finance products.
2- Best achiever Q2 - 2011 for Casa & Mutual funds.
3- Best achiever Q2- 2012 for Casa & Mutual funds.
4- Best achiever Q1- 2014 for finance products.
5- Best achiever Q2 - 2015 for investment product- Mutual Fund portfolio amount of $ 2.5 Million
Certification
Core Banking Program certificate from Emirates Institute for Banking & Financial Studied
Timeline
Relationship Manager – Mortgages
Mashreq Al Islami
02.2021 - Current
Officer - Developer Sales (Home Finance Business)
Dubai Islamic Bank
08.2017 - 01.2021
Core Banking Program certificate from Emirates Institute for Banking & Financial Studied
05-2014
Branch Sales & Service Executive
Al Hilal Bank
10.2009 - 07.2017
Relationship Officer
RakBank
01.2008 - 10.2009
Financial Planner
Allianz Egypt
05.2006 - 12.2007
Bachelor of Accountancy - Accounting And Business Management
Alexandria Unviersity
05.2001 - 05.2006
High School Diploma -
Victoria College
09.1998 - 05.2001
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