Mohammad Afzal AFZAL
SHARJAH
Summary
Capable Relationship Manager experienced in developing customized solutions to meet wide-ranging customer needs. Strong collaborator and active listener with excellent verbal and written communication skills. Offering 15-year track record of success in banking. Charismatic Relationship Manager focused on developing strategic business opportunities by delivering exemplary service to each client's individual needs. Respected professional with exceptional knowledge regarding risk management. Results-driven Assistant Relationship Manager experienced in leading corporate communication strategies; enhance sales activities and directing branding initiatives. Talented writer, editor and speaker with exceptional interpersonal abilities with both internal and external stakeholders. Determined, tireless and enterprising in stressful, fast-paced settings. Experienced Assistant Relationship Manager with over 12 years of experience in banking. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
17
17
years of professional experience
Work History
Islamic Executive- Mortgage Finance
Ajman Bank PJSC
02.2024 - Current
- 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, promoting financial literacy and responsible borrowing habits.
- Enhanced client satisfaction by providing personalized mortgage solutions tailored to individual needs.
- Achieved consistent sales targets by utilizing effective lead generation techniques and maintaining strong client relationships throughout borrowing lifecycle.
Sales Manager
Credit Zone Consulting Management FZLLE
11.2021 - 12.2023
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Increased sales revenue by developing and implementing effective sales strategies.
- Built long-lasting client relationships through excellent customer service and consistent followups.
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
- Negotiated contracts with vendors and suppliers, ensuring the best pricing and terms for company profitability.
- Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team.
Corporate Financial Advisor
Al Shams & Al Qamar Commercial Brokers LLC
02.2016 - 10.2021
- Built and maintained relationships with clients to provide ongoing support.
- Facilitated communication and collaboration between departments to help business function smoothly.
- Planned, developed, and implemented strategies to convey information with key decision makers.
- Maintained up-to-date knowledge on industry trends and regulations, ensuring accurate advice was provided to clients at all times.
- Assisted in the development of training materials for new advisors, improving overall team performance.
Assistant Relationship Manager
NOOR BANK
03.2015 - 12.2015
- Completed thorough client assessments to ensure optimal product offerings tailored for their unique financial needs.
- Conducted comprehensive credit risk assessments on potential clients to maintain a healthy lending portfolio and minimize risk exposure.
- Coordinated with various departments to gather relevant information for client meetings and presentations, ensuring efficient communication.
- Collaborated with Relationship Managers to develop tailored financial strategies for each individual client, maximizing investment returns.
Senior Mortgage Advisor
DUBAI ISLAMIC BANK PJSC
01.2014 - 12.2014
- Mentored junior mortgage advisors, sharing industry insights and best practices to improve team performance.
- Advised clients on credit improvement strategies, helping them secure better loan terms and ultimately achieve homeownership goals.
Status Relationship Officer
HSBC BANK
03.2007 - 12.2009
- Facilitated meetings and discussions between clients, sales and delivery teams.
- Increased referral business by actively networking within the community and participating in local events representing the bank.
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.
Education
Master of Arts - Sociology
Jamia Millia Islamia University
New Delhi06.2002
Skills
- Banking
- Banking services knowledge
- Banking functions knowledge
- Banking products knowledge
- Banking operations knowledge
Academic Qualification
- MASTERS IN SOCIALOGY, India
- PGDMM (Post Graduate Diploma in Mass Media), India
- HIGHER INTERNATIONAL DIPLOMA IN AUTOMOBILE ENGINEERING, DUBAI.UAE
- HIGER INTERNATIONAL DIPLOMA IN AUTOMOBILE PROGRAMING
Languages
English, Urdu, Hindi, Basic Arabic language
Career Experience
- Toofan tyer works, Automobile Engineer, 08/01/22 - Present
- Credit Zone Consulting Management FZLLE, Sales Manager, 11/01/21 - 03/01/22
- ASAQ COMMERCIAL BROKERS LLC, Corporate Financial Advisor, Trade Facilities, LC, Cheque Discounting, Invoice Discounting, ME Loans, Machinery Finance, Warehouse Finance, Mortgage Equity finance on ready or off plan, Working Capital, Pos Merchant loans, Property Rental Financing, 02/01/16 - 10/01/21
- NOOR BANK, Assistant Relationship Manager (Business Finance, SME Dept), 03/02/15 - 12/01/15
- DUBAI ISLAMIC BANK PJSC, Senior Mortgage Advisor (Home Finance), 08/10/13 - 12/01/14
- RAK BANK, Sr. Relationship Officer (SME Loans), 02/15/11 - 07/01/13
- HSBC BANK, Status Relationship Officer (Multi Products & Customer Service), Business loans, STL’s, Accounts, Credit Cards, Mortgages, Insurances, 04/14/07 - 12/01/09
Personal Information
- Date of Birth: 07/02/77
- Nationality: Indian
- Driving License: Valid UAE Driving License
- Marital Status: Married
Timeline
Islamic Executive- Mortgage Finance
Ajman Bank PJSC
02.2024 - Current
Sales Manager
Credit Zone Consulting Management FZLLE
11.2021 - 12.2023
Corporate Financial 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 - Sociology
Jamia Millia Islamia University
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