MOHAMMAD AFZAL ALI
Dubai
Summary
Organized Mortgage Loan consultant with 15 years of experience in banking and finanacial sector. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Talented Mortgage consultant with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Mortgage Consultant-Home Finance
Home Matters -HUSPY
09.2024 - Current
- Oversaw sales and underwriting processes of mortgage lending office.
- Fielded customer complaints and provided solutions.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
MORTGAGE EXECUTIVE- HOME FINANCE
Ajman Bank PJSC
01.2024 - 09.2024
- Collaborated with underwriting teams to ensure accurate and timely processing of loan applications
- Managed a diverse portfolio of mortgage products, catering to various client requirements and preferences
- Mentored junior mortgage bankers, imparting industry knowledge and best practices for success in the role
- Streamlined loan application processes for improved efficiency and quicker approvals
- Facilitated educational workshops for prospective homebuyers.
Sales Manager
Credit Zone Consulting Management FZLLE
11.2021 - 12.2023
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Attended industry events and conventions to expain sales opportunities.
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
- Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
Corporate Finance Advisor
Al Shams & Al Qamar Commercial Brokers LLC
02.2016 - 10.2021
- Helped clients plan for and fund retirements using mutual funds and other options to manage, customize, and diversify portfolio.
- Interviewed industry experts, constructed financial models and compiled final reports to deliver top-notch service to customers.
- Worked with clients to support understanding of rationale and details of financial strategies.
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
Assistant Relationship Manager
Noor Bank
03.2015 - 12.2015
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
Senior Mortgage Advisor
Dubai Islamic Bank PJSC
01.2014 - 12.2014
- Explained different types of loans pertaining to client situations.
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Status Relationship Officer
HSBC BANK
03.2007 - 12.2009
- Retained and grew portfolio of relationships by performing proactive, mobile and value-adding partnership role.
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Maintained and built close relationships with customers through regular contact and visits.
Education
Master of Arts - Rural Sociology
JAMIA MILLIA ISLAMIA UNIVERSITY
DELHI08-2003
Skills
- Credit analysis
- Document Review
- Debt management
- Relationship building and management
- Mortgage Underwriting
- Portfolio Management
- Financial Advising
- Real estate knowledge
- Mortgage plan advising
- Loan Processing
- Sales expertise
- Goal-Oriented
Certification
- Higer international diploma in Automobile engineering Training - 2 years
Travelling ,making friends,watching movies
I have been travel some countries for explore the world.
Timeline
Mortgage Consultant-Home Finance
Home Matters -HUSPY
09.2024 - Current
MORTGAGE EXECUTIVE- HOME FINANCE
Ajman Bank PJSC
01.2024 - 09.2024
Sales Manager
Credit Zone Consulting Management FZLLE
11.2021 - 12.2023
Corporate Finance Advisor
Al Shams & Al Qamar Commercial Brokers LLC
02.2016 - 10.2021
Assistant Relationship Manager
Noor Bank
03.2015 - 12.2015
Senior Mortgage Advisor
Dubai Islamic Bank PJSC
01.2014 - 12.2014
Status Relationship Officer
HSBC BANK
03.2007 - 12.2009
Master of Arts - Rural Sociology
JAMIA MILLIA ISLAMIA UNIVERSITY
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