Ihab Baroud
Dubai,UAE
Summary
Client-focused banking professional with 9+ years of experience in Corporate Banking Operations, Escrow Services, and Credit Administration. Skilled in managing complex financial transactions, onboarding corporate clients, and delivering exceptional service while ensuring compliance with regulatory frameworks. Adept at building strong client relationships, resolving operational issues efficiently, and providing consultative support to meet client needs. Proficient in financial analysis, credit assessment, and system enhancements using Financial systems. Recognized for driving service excellence and continuous improvement.
Overview
11
11
years of professional experience
4039
4039
years of post-secondary education
1
1
Certification
Work history
Manager - Escrow Banking Services
Emirates NBD
Dubai, UAE
02.2022 - 11.2025
- Approved inflows and outflows for Real Estate projects, ensuring compliance with regulations.
- Managed account openings for Corporate, Commercial, and Insurance sectors.
- Conducted regular client meetings to understand business needs, review project performance, and ensure seamless operational support.
- Improved client satisfaction scores by 15–20% through faster issue resolution and more proactive communication with corporate and real-estate clients.
- Cultivated client relationships through regular meetings and tailored service offerings.
- Prepared monthly RERA reports for Escrow main and Retention account balances, verifying workflows.
- Evaluated and approved outflows for Common Area, Body Corporate, Insurance, and Commercial accounts.
- Reviewed Engineer Memos for payment certifications to ensure accuracy and timeliness.
- Compiled and processed Financial Data reports to support decision-making.
- Reduced client onboarding timelines by 25% by streamlining documentation checks and coordinating efficiently with internal teams.
Senior Team Leader
Operations Corporate Banking
Dubai, UAE
04.2020 - 01.2022
- Reduced client escalations related to Escrow account issues by 30% through clear guidance and improved workflow checks.
- Increased accuracy of inflow/outflow approvals by over 98%, ensuring full compliance with RERA and internal policies.
- Coordinated with branches, credit, legal, and operations teams to complete remittances, approvals, and portfolio updates, improving inter-departmental turnaround by 25%
- Provided tailored solutions and guidance on escrow processes, financial reporting, and payment certifications in line with RERA regulations.
- Acted as trusted advisor for clients by ensuring accurate implementation of loan structures, interest updates, and facility maintenance aligned with approved terms.
- Provided proactive assistance to clients in understanding system inputs, repayment schedules, and account changes.
Ensured timely resolution of client requests such as refunds, - Ensured loan disbursement adhered to an authorized matrix and bank policy.
- Updated FOREX limits and tenors in KGR & ERS applications.
- Delivered daily financial and non-financial vouchers to services unit with supporting documents.
- Maintained diary for customer portfolio management, including repayment schedules and interest updates.
- Investigated requests for income refunds while coordinating local branch operations.
Escrow Processing Senior Specialist
Emirates Islamic Bank
Dubai, UAE
02.2016 - 10.2017
- Monitored and reconciled daily transactions of all Escrow Accounts.
- Prepared request memorandums for payment release certifications to engineers.
- Built strong customer relationships by understanding client needs and providing suitable service solutions.
- Delivered exceptional front-line client service by handling inquiries, resolving escalated issues, and ensuring positive clients experience across multiple channels.
- Acted as the main focal point for Relationship Managers, resolving complex portfolio issues and achieving a 95% first-contact resolution rate.
- Advised clients on account opening requirements, compliance documentation, and regulatory expectations
- Issued bank certificates to investors or developers upon request.
- Assisted investors with inquiries regarding escrow account payments..
- Prepared quarterly ledgers for high-valued developers submitted to finance department.
Officer Processor – Operations Corporate Banking
Corporate Credit Administration
Dubai, UAE
03.2015 - 03.2017
- Ensured strict adherence to Group Credit Policies and Procedures for DLT processes.
- Monitored compliance with CRAD Framework and GCCS guidelines during operational activities.
- Managed maintenance of securities and documentation for all clients.
- Received and verified executed documents, advising Business Unit on deficiencies.
- Tracked deficient document register and coordinated solutions with Business Unit.
- Prepared status reports on documentation for relevant stakeholders.
- Released Facility Record Sheet to facilitate drawdown, liaising with various stakeholders.
- Maintained up-to-date document files and constitutional documents, verifying authority of signatories.
- Acted as the main focal point for Relationship Managers, resolving complex portfolio issues and achieving a 97% first-contact resolution rate.
Senior Customer Service Officer
Etisalat
11.2014 - 10.2015
- Delivered quality responses to customer contacts via in-person interactions, phone, and email.
- Managed retail and online customer communications to ensure seamless service.
- Handled enquiries and calls from new and existing customers efficiently.
- Resolved escalated complaints and enquiries with focusing on effectiveness.
- Cultivated strong relationships with customers to foster loyalty.
- Addressed customer requirements promptly.
Education
Bachelor of Business Administration - Business Administration
Jaipur National University (JNU)
Diploma - International Financial Studies
Emirates Institute For Banking And Financial Studies
Skills
- Core Consulting Skills
- Banking system enhancement
- Auditing procedures proficiency
- Automation and robotics experience
- Client Relationship & Communication
- Leadership & Project Management
- Product knowledge and support
- Network building advice
- Business Analysis
Websites
Certification
- Management Learning Path
- Group Fraud Awareness & Prevention
- IBOR - Finacle Systems UAT Training
- Islamic Banking Awareness
- Core Functional: IBOR Loans (Starts 04/08/2021)
- LIBOR Transition (LIPS)
- Payment Card Industry Data Security
- Introduction to AML and CTF (2022)
- Assistant Manager, Risk Taneefeh
- ENBD Trade Operations Risk
- Anti–Bribery and Corruption.
- Management & Leadership Essentials
Personal Information
English
Fluent
Arabic
Native
Accomplishments
Best performer 2019-2022 & 2023 Taneefeh & Emirates NBD Bank.
Timeline
Manager - Escrow Banking Services
Emirates NBD
02.2022 - 11.2025
Senior Team Leader
Operations Corporate Banking
04.2020 - 01.2022
Escrow Processing Senior Specialist
Emirates Islamic Bank
02.2016 - 10.2017
Officer Processor – Operations Corporate Banking
Corporate Credit Administration
03.2015 - 03.2017
Senior Customer Service Officer
Etisalat
11.2014 - 10.2015
Bachelor of Business Administration - Business Administration
Jaipur National University (JNU)
Diploma - International Financial Studies
Emirates Institute For Banking And Financial Studies