Gourav Nagpal
Dubai,United Arab Emirates
Summary
Accomplished strategist and negotiator with extensive expertise in mortgage sales (Commercial and Retail Banking)and financial advisory. Demonstrates strong skills in loan structuring, documentation preparation, and understanding of mortgage regulations. Proven track record in new business development, client consultation, and deal closing, leading to enhanced client retention and satisfaction. Adept at analysing credit reports and applying lending criteria to optimise mortgage application processing. Committed to leveraging property market knowledge and innovative sales techniques to drive customer acquisition and achieve business targets.
Overview
18
18
years of professional experience
3
3
years of post-secondary education
Work History
Mortgage advisor (Commercial Banking)
First Abu Dhabi Bank PJSC
Dubai, United Arab Emirates
05.2022 - Current
- Documented client applications for Commercial Lending.
- Educated clients on various commercial mortgage products to aid informed decision-making and offered comprehensive support to clients with complex mortgage queries.
- Facilitated successful loan closings through meticulous preparation and coordination.
- Managed high-volume case loads efficiently whilst maintaining attention to detail.
- Ensured compliance with regulatory standards throughout all procedures.
- Maintained up-to-date knowledge of industry trends for superior service delivery.
- Explained payment terms and conditions for loans, offering one-on-one appointments for clients with complex loan needs to aid understanding.
- Provided additional advice and guidance on buildings cover and life insurance.
- Provided exceptional level of customer service at all stages of mortgage loan process.
- Built outstanding relationships with clients through bespoke care and advice, going above and beyond to promote client loyalty and retention.
- Maintained up-to-date understanding of market trends and developments to offer best possible customer advice.
Mortgage advisor (Retail)
Commercial Bank of Dubai
Dubai, United Arab Emirates
04.2021 - 09.2021
- Managed high-volume case loads efficiently whilst maintaining attention to detail.
- Streamlined communication channels between Broker and Bank for smoother transactions.
- Educated clients on various mortgage products to aid informed decision-making.
- Ensured complete transparency in dealings, fostering trust and building long-term relationships with clients.
- Offered comprehensive support to clients with complex mortgage queries.
- Built strong relationships with lenders to negotiate favourable deals for clients.
- Facilitated successful loan closings through meticulous preparation and coordination.
- Built outstanding relationships with clients through bespoke care and advice, going above and beyond to promote client loyalty and retention.
- Secured affordable, cost-effective mortgage options tailored to client needs to drive satisfaction rates.
- Built strong professional relationships to increase client base.
ACCOUNT MANAGER
National Bank of Ras Al Khaimah (P.S.C.)
Dubai
09.2012 - 05.2025
- Driving the mortgage business across Dubai as an Account Manager, generating monthly business to the tune of AED 6 million currently.
- Demonstrated excellence in leveraging existing customer relationships while focusing equally on sourcing new business.
- Successfully achieved targets since joining, with a firm eye on driving strategies to strengthen customer relationships through focused & value propositions for customers.
- Working extensively towards establishing, developing and managing relationships with realtors, developers, property brokerage house, mortgage brokers and other related avenues.
- Acting as the central reference and co-ordination point for clients, with the responsibility of ensuring high level of service & customer redressal, in turn leading to superior level of customer satisfaction.
- Playing a vital role in underwriting and evaluation of financials of individuals & business entities to identify as well as mitigate related risk.
- Collaborating with cross-functional resources to ensure cross-selling & upselling, while also aligning business objectives at all times.
Assistant Team Leader – CPMU Unit
Mashreq Bank PJSC
Dubai, United Arab Emirates
04.2007 - 08.2012
- Streamlined operational procedures, leading to more efficient work processes.
- Administered necessary documentation accurately, facilitating smoother administrative functions within the team.
- Delegated tasks efficiently, enabling timely project completion.
- Ensured adherence to health and safety regulations within the working environment, promoting a safe workspace for all team members.
- § Motivating and inspiring the team to surpass their potential.
- § Improving the team and facilitating the communication among the members of team.
- § Exceeding and meeting departmental objectives, including conversion targets, and lead generation.
- § Creating sense of ownership within the employees and resolving employee issues, if any.
- § Encouraging, supporting, and motivating actively one’s peer team.
- § Looking constantly for development as well as continuous improvement for the entire team.
- Monitoring, organizing, and coaching team on a day-to- day basis.
- Communicating the company’s purpose, core values, vision to the front employees.
- Ensuring that the employees follow their schedules properly as designed.
- Striving for new ways continually, to increase the opportunities of sales.
- Handling escalated calls, complaints, questions, and queries as necessary.
- Facilitating cross-functional communication within employees for improved working condition.
- Creating a conductive work environment for all employees.
- Carrying out team meetings and actively participating in the monthly and weekly meetings.
- Documenting general reports on each team member’s performance and targets as well as ensuring that they exceed the targets.
Education
Bachelor of Commerce - Concentration in Accounts & Economics
Delhi University
India 04.2002 - 04.2005
Skills
- Strategist
- Negotiator
- Innovator
- Team Leader
- Mentoring Skills
- Loan structuring knowledge
- Documentation preparation efficiency
- Insurance policies understanding
- Mortgage regulations understanding
- Mortgage application processing
- Lending criteria application
- Property market knowledge
- New business development capabilities
- Financial advisory
- Client consultation
- Deal closing
- Client retention
- Credit report analysis
- Mortgage product knowledge
- Customer Service
- Sales techniques
- Financial management
- Financial planning
- Mortgage sales
- Customer acquisition
- Mortgage lead generation
- Client relations
- Mortgage market trends
- Target-driven
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Custom
- Conventional & Islamic Mortgage Loans
- Credit Cards retention
- Easy cash & Balance transfer
- Call Centre (Outbound)
Languages
English
Native
Hindi
Native
Affiliations
- Traveling
- Watching and Playing Cricket
Accomplishments
- Won Silver Award for being Second Runner up for Half Yearly performance in achieving total of AED 58.89 Mio from January ’17 to June’ 17 in RAK Bank.
- Awarded as a Top Performer for the years 2007, 2009, 2010 and 2011 in CPMU Department of Mashreq.
- Within the first the year joining was promoted as an Assistant Team Leader in Mashreq.
- Awarded for highest Easy Cash, Balance Transfer and Easy Payment Plan ever achieved of AED 3 million in 2012.
National Bank of Ras Al Khaimah
Mashreq Bank
References
References available upon request.
Timeline
Mortgage advisor (Commercial Banking)
First Abu Dhabi Bank PJSC
05.2022 - Current
Mortgage advisor (Retail)
Commercial Bank of Dubai
04.2021 - 09.2021
ACCOUNT MANAGER
National Bank of Ras Al Khaimah (P.S.C.)
09.2012 - 05.2025
Assistant Team Leader – CPMU Unit
Mashreq Bank PJSC
04.2007 - 08.2012
Bachelor of Commerce - Concentration in Accounts & Economics
Delhi University
04.2002 - 04.2005
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