Mohamed Elsawwah

Sales and Services Manager

Summary

Dear Sir(s),                                                                                                                                                                          

   Please accept my enclosed resume in application to join your organization. I am confident that my education and experience have prepared me to a suitable position you may have available,  and my unique abilities will enable me to contribute significantly toward your objectives. My       profile would fit in any financial, audit or managerial positions.                                                                   

When you review my enclosed resume, you’ll find that my background   includes   almost 9  years in banking industry                                                                                                                      -  

In addition you will find me a well-organized, detail-oriented team member. I thrive on new challenges, and my innovative approach to systems and improvement, along with my desire to learn, will prove to be an asset to my employer. I look forward to a personal interview to discuss with you how I can best fit at your company.                                                                                                        

                                                                      

Sincerely, 

Mohamed Refat

Tel : +971 50 6663525

 Work Email : mrelsawah@alhilalbank.ae

Personal Email : sawah777@gmail.com

 

 

Personal Information

Name: Moahmed Refat Ali Mohamed Elsawwah                                                            

Nationality   : Egyptian                                                                                                            

Marital status : Married                                                                                                           

Date of Birth : 12/05/1980                                                                                                       

Place of Birth : Egypt                                                                                                                                                             

Work History

Work History
May 2008 - Present

Sales and Services Manager

ALHILAL BANK

Managing customer service and sales, operations, and staff of the Branch; Sales and Customer Services and Teller areas. Provides staff supervision, Training, coaching and mentoring to promote a service and sales culture. Maintaining Morale, building team spirit and promoting exceptional staff and customer relations.

Coordinates all aspects of sales and service delivery with other areas of organization to Facilitate superior and continuing customer sales and service. Suit a motivated and confident individual with the determination and enthusiasm to make an outstanding impression on customers through excelling in customer service. In addition of balancing branch sales.

Referral opportunities and evolving product knowledge with functional responsibilities such as the processing of customer transactions with efficiency and accuracy.

  • Resolve customer complaints regarding sales and service.
  • Monitor customer preferences to determine focus of sales efforts.
  • Direct and coordinate activities involving sales of products, services, real estate or other subjects of sale.
  • Handle inquires related to deposit account products and services such as cheque book request, ATM request, SMS, Standing orders, internet banking and any other related services.
  • Open and close deposit accounts for customers.
  • Input of customer deposit account details to system, ensuring proper completion of forms, reports and customer files.
  • Handle inquiries related to finance products & services and covered cards to customers.

 

  • Prepare finance application & instruction on credit limits for approval and opening & closing finance accounts for customers.
  • Issue of bank certificates related general services to customers.
  • Participate actively in branch sales planning to generate branch action plans to meet targets.
  • Build relationship with existing customers for retention.
  • Handle customer issues and complaints in an efficient and friendly manner.
  • Execute, distribute and record customer instruction from various channels (e.g. mail, fax and phone) inclusive of accepting customer instructions for processing by other account holding branches.
  • Handle customer phone and walk in inquires.
  • Perform general administrative work, which may include preparation of memos and customer letters.
  • Act as a custodian of ATM services and any other custodianship entrusted by the Bank as and when required.
  • Collate statistics for management reporting (e.g. sales volumes and service standards etc.).
  • Interact with customers for sale of the bank financial products by ensuring service efficiency and by adherence to best service standards.
  • Guide, support and instruct employees involved in sale of financial product activities for better performance in service delivery to ensure customer satisfaction.
  • Review applications for sale of financial products in line with credit and operational policies and procedures.
  • Ensure that documentation required as per credit and operational policy & procedures is both provided and accurate prior to forwarding customer credit file to central operations for further processing.
  • Review (where required jointly with the Branch Manager) work processes, documentations and system input reports on sale of financial products by financial service employee (e.g. Auto Murabaha, Good Murabaha and other products).
  • Recommend related work flow changes for greater efficiency.
  • Coordinate the accomplishments of employee training; motivating, counseling and employee individual appraisals through the branch manager to ensure that employee perform as per agreed objectives.
  • Perform the duties of line manager during his/her absence.
  • Any other task entrusted by Line Manager.
  • Presents and explains Bank products and services to clients and assists in meeting their financial needs including the following: opening, closing and maintaining checking, savings, corporate accounts, kids’ accounts, time deposit and Wakala deposit as well as working with safe deposit boxes, credit cards and consumer loans.
  • Answers questions and solves problems for clients by listening, collecting data, and securing answers.
  • Profiles clients to identify sales and referral opportunities.
  • Consistently strives to meet referral and call quality goals.
  • Resolves client requests and questions promptly, courteously, and professionally.
  • Receives and processes new client accounts and changes to existing accounts such as names changes, address changes, product changes, and other account maintenance as requested.
  • Maintains privacy of customer account information specially VIP’s.
  • Maintains and projects the Bank’s professional reputation.
  • Assists area personnel as required.
  • Keeps supervisor informed of area activities and significant problems.
  • Completes required reports and records accurately and promptly.
  • Attends meetings and training classes that may be held on weekdays, evenings, and/or Fridays.
  • Actively and professionally sells Bank products (Tawaruq, Personal Finance, Home Finance, Share Finance, Auto Finance and Credit Cards) and services. Responsible for meeting sales production goals.
  • Performs related clerical duties as needed.
  • Ensures that work areas are clean, secure, and well maintained.
  • Trained on BSSM (Branch Sales & Services Manager) duties, and was placed as Acting BSSM when needed.
  • Scored Hero in Yearly Appraisal for the year of 2009.
  • Submit applications to credit analysts for verification and recommendation.
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
Jan 2006 - May 2008

Senior Sales and Services Officer

First Gulf Bank
  • Interacting with clients and assisting them with options for choosing an appropriate Loans or Credit Cards.
  • Meeting all assigned targets within the given deadlines.
  • Working in tandem with the standard operating procedures of the bank.
  • Following all orders as assigned by the sales manager.
  • Following up with potential clients.
  • Assisting in all transfer processes and other documentation of the loan process.
  • Conducting market surveys and analysis of competitor products and strategies and making necessary reports.
  • Attending training and new product demonstration meetings and camps.

Education

Education
Sep 1996 - Jul 2001

·  Faculty of Arts Graduate – Mansura University

Undergoing MBA

Certifications

Certifications
May 2008 - Jan 2016

Islamic banking studies

EMIRATES INSTITUTE FOR BANKING STUDIES

Islamic banking studies

Awards Received

  • Awarded as the best comer for2007 in FGB with annual achievement 200% of the yearly target.
  • Awarded as Captain for assets for 2009 and ranked the 5th across the bank network with annual achievement AED 45 Million.
  • Awarded as No 2 for assets for 2010 and ranked the 2nd across the bank network with annual achievement AED 63 Million.
  • Awarded as No 1 for assets for 2011 and ranked the 1st across the bank network with annual achievement AED 60 Million.
  • Awarded as No 1 for assets for 2012 and ranked the 1st across the bank network with annual achievement AED 45 Million.
  • Successfully complete the AML, Information Security Certificates.
  • Awarded as one of the bank assets in May 2011 for completing 4 consecutive years with Al Hilal Bank.
  • Awarded as one of the key participant in Team Building Activity in Oct 2011
  • Awarded as No 1 for assets & liabilities in 2014 in Abu Dhabi area

Special Skills

  • Works easily under pressure.
  • Excellent Interpersonal skills.
  • Time Management.
  • PR representation with excellent fluent communication skills with Arabic and English.
  • Special negotiation skills.
  • Easily mobile.
  • Self-motivation and team spirit initiation.
  • Handling any kind of objections and queries during work or sales presentation.
  • Interacting with clients and assisting them with options for choosing an appropriate vehicle.
  • Meeting all assigned targets within the given deadlines.
  • Working in tandem with the standard operating procedures of the company.
  • Following all orders as assigned by the sales manager.
  • Following up with potential clients.
  • Assisting in all transfer processes and other documentation of the vehicle.
  • Organizing test drives for clients.
  • Conducting market surveys and analysis of competitor products and strategies and making necessary reports.
  • Attending training and new product demonstration meetings and camps.
  • Coordinating work process with other team members and co – workers of the establishment.

Computer SkillS

 

  • Operating Systems. ( Windows: Win98, Win XP, Win Vista, Win 7)
  • Microsoft Office tools. ( Office: XP, 2003, 2007, 2010 )

I certify that all the above is correct and every documentation will be presented upon request, hoping that my profile will fulfill your needs and requirements.

 

Mohamed Refat Elsawwah