Haytham AL-LULU

•Handle inquiries to deposit accounts. Opening and closing of deposit accounts, ensure proper completion of forms, KYC policies and CB instructions.
•Handle inquiries related to finance and covered cards, proper maintenance of customer files, prepare finance applications and obtain necessary approvals, input of data in the system, ensure proper completion of forms.
•Maintain good relationship with all the business entities / individuals where the business sourced.
•Deliver a timely prompt service to the customer.
•Work with the team to achieve the overall team’s objectives and goals.
•Sell and cross sell ADIB products and promote ADIB image.
•Perform other task specified by management.
•Checking, evaluating and recommending financial cases based on the bank policy and procedures of personal and SME banking.
•Provide support to CRM to prepare the comments for budget variance on achievement of branch sale of finance product targets.
•Assist CRM to recommended work flow changes leading to process improvement to the branch manager at least one year
•Provide support to CRM in preparing detailed responses to internal audit and ICD comments relating finance products and financial customer services
•Good knowledge of UAE Banking practices regulation & risks.

•Review applications of financial products in line with Credit and Operational Polices & Procedures.
•Check customer’s status through de-dupes / CBRB
•Check customer’s status through AECB System
•Analyzing and processing cases based on overall consideration of customer's profile and in compliance with bank policy and procedures
•Meeting the targeted productivity levels and to ensure adherence to service level agreement (SLA) and turnaround time (TAT) .
•Ensure proper use of assigned delegation authority laid down by the bank.
•Identify and highlight any suspicious activities thereby reducing risk exposure and increasing quality of analysis.
•Ensure the updating of data reported in the daily productivity sheet (MIS) .
•Ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc...) .
•Ensure detailed credit analysis (fresh, Repeat and After Sales) and to highlight approval conditions.
•Ensure all deals send for Contact Point Verification (CPV) as per CPV policy.
•Adhered to Standard Operating Procedures (SOP) wherever applicable.
•Conduct training to new comers and monitor the training performance whenever required.
•Assist superior for any market trend that has an impact on credit decision to minimize risk involved.
•Identify anomalies in credit policy and highlight it to the unit/ policy manager.
•Finn0ne specialist

•Prepare reports and submit it to high-level management.
•Sell the BancTakaful products in order to achieve the assigned target.
•Prepare regular sales reports.
•Ensure high level of portfolio credit quality is maintained across the sales activities.
•Implementation of business strategies.
•Procuring new customers.
•Follow-up to supply customer orders and solve their problems.
•Analyze and Implement some of the Programs which are used in Management, Accounts, and others.
•Follow-up the reimbursement claims and issuing payments to the corporate & individual and solve the problems if any.
•Maintain a continuous relation with customers.
•Supervision of sales.

•Handle customers’ accounts in connection with exchange market transactions.
•Maintain regular telephone contact and visit assigned clients.
•Assist clients in their market exchange dealing.
•Update and provide reports for customer’s trade.
•Develop and solicit individual client base for the brokerage operation.
•Expedite front lines, direct flow of customers, and ensure that each customer receives outstanding customer service by providing a friendly environment.
•Generate operational and customers reports to help achieve target as well as answer customer queries.
•Maintain and control customer complaints log and implement correction action in a timely manner.
•Provides customer support for all clients including cash and credit transactions.
•Takes orders and other requests for services and dispatch line service personnel to act.
•Initiates and complete sales of services.
•Conducts routine inventories of stock and other equipment and supplies.
•Update customers’ database
•Capture payments and process the same into database correctly
•Assist sales and marketing department in handling inquiries and divert customers to the right staff

•Handle investors’ accounts in free zone industrial area. .
•Assist investors in managing their affairs in free zone industrial area.
•Generate investors’ reports for management decision making.
•Manage customer complaints.
•Initiates and completes new business.
•Update investors’ database using operational systems
•Assist sales and marketing department.