
Timeline
About me
Senior Relationship Manager - Mortgage Finance @ QNB Group | Accredited Mortgage Diploma AMP | Driving Mortgage Portfolio Growth
Education

The egyptian mortgage federation - emf
2021 - 2021Accredited mortgage diploma - amp mortgage finance goodAccredited Mortgage Diploma - (AMP) at the Egyptian Mortgage Federation - (EMF) a program officially accredited by the Egyptian government through the Financial Regulatory Authority - (FRA).

Sadat academy for management sciences
2004 - 2008Bachelor's degree business administration and management sciences. gpa 1.63/d
Experience

Egypt trade for exhibitions and conferences organization
Jun 2008 - Jun 2009Customer service & sales representative• Acted as a customer service and sales representative, selling company services and products to achieve organizational goals.• Managed customer inquiries and sales reports, ensuring efficient communication and accurate documentation.• Developed strong interpersonal skills and sales techniques to effectively engage with customers and drive sales.• Updated and maintained an extensive database of customer records, resulting in improved customer service and increased sales.• Organized and managed customer data, ensuring accurate and complete records.• Provided exceptional customer service, resulting in high customer satisfaction ratings.• Processed customer transactions accurately and efficiently, resulting in increased daily sales. Show less

Al-mustafa for customs clearance and import
Aug 2009 - Jan 2011Branch manager• Managed office operations and customer relationships.• Developed strong customer service skills and effectively dealt with customer inquiries.• Implemented strategies to improve office efficiency and customer satisfaction.• Conducted regular customer reviews and follow-ups to ensure customer satisfaction and identify areas for improvement• Developed and maintained an up-to-date knowledge of the company’s products and services• Conducted market research and analyses to identify new business opportunities and trends Show less

Allianz
Feb 2011 - Nov 2011Financial specialist• Conducted financial planning and sold Allianz services and products to meet customer needs.• Interacted with customers, prepared sales reports, and managed system transactions.• Conducted financial needs analysis to accurately assess customers' eligibility for various insurance products.• Developed customized insurance plans that met customers' individual needs.• Maintained a comprehensive knowledge of the insurance industry, including regulations, trends, and best practices.• Explained complex insurance policies and procedures to customers in a clear and concise manner.• Developed and implemented strategies to increase customer loyalty and referrals.• Researched the latest insurance products and services to recommend the best coverage options to customers.• Contributed to company goals by achieving sales targets and providing excellent customer service. Show less

E& egypt
Dec 2011 - Dec 2013Retail senior sales executive• Sold Etisalat services and products to meet customer needs and provided requested information.• Enhanced after-sales services, maintained customer database, and handled cash and inventory functions.• Achieved team monthly quota, resolved customer problems, and contributed to revenue growth.• Assisted in the training of new retail staff.• Analyzed sales data and identified opportunities for improvement, resulting increase in sales productivity.• Utilized sales techniques and strategies to build customer relationships and close sales, resulting increase in sales. Show less

Rakbank
May 2014 - Sept 2015Senior customer service and sales officer• Interact with customers to understand their banking needs.• Provide personalized service by thoroughly efficiently gathering customer information, assessing and fulfilling customer needs, and educating the customers where applicable.• Provide excellent customer service to achieve customer loyalty.• Resolve problems and when required appropriately escalate customer queries and complaints for resolution. • Convert sales opportunities, cross-sell and up-sell different products (deposits and credit facilities such as credit cards, personal loans, car loans, and mortgage products) and services (such as RAKBANK Value Collections, credit card balance transfers, and credit card cheques) to meet financial targets.• Clarify and explain procedures and products.• Capture and report customer feedback for continuous product development.• Follow up all bank procedure and process with fully adherence to BCP steps rules and regulations.• Working on Internet Banking & Mobile Banking enable / disable any IB user id if requested.• Ensure differentiating between conventional and Islamic products and assisting customers based on their preferred products or services.• Submit an MIS report as and when requested by Direct Manager.• Primarily related to explaining procedures and lending processes, or providing information about retail banking products.• Also involves root cause analysis and requests a reversal of charges and fees when necessary. Show less

Damac properties
Oct 2015 - May 2016Activity executiveMy responsibilities affect two parties: 1. Business Development.2. Client relationship management and Sales.• Business Development :- Responsible for developing new structures that ensure all data are followed up and being contacted.- Help developing new sources for acquiring client’s data.- Assist top management by providing the required reports to enrich sales strategies, client retention involved with developing new projects based on client and UAE property market demands.- Support marketing management to sufficiently early identify client demands by providing and developing reports and statistics based on pre-built relationships with existing clients.- Provided expert consultancy in various areas of business development and real estate finance.- Helping team members in specific tasks that help achieving our challenges.• Client relationship management & Sales :- Building a trusted business relationship with existing and new prospects that help our sales team exceeding targets by calls and E-mails.- Ensuring every and each prospect received from all sources is being handled by the property consultant and satisfied.- Coordinate with all different departments to ensure business is on track.- Auditing on sales consultants and promoters to ensure following required procedures.- Help team create and achieve time tabled tasks and challenges.- Running reports showing Clients feedback, Sales office response accuracy and hot Leads accuracy to enhance our business development.- Attending, monitoring, and supervising all DAMAC events to ensure our clients are aware of DAMAC's latest projects, arranging meetings with property consultants, and ensuring the events run smoothly. Show less

Qnb group
Jun 2016 - now• Oversee mortgage finance operations across six branches in the Port Said and Damietta regions, dedicated to driving the growth and success of our mortgage portfolio.• Provide financial guidance and training to ensure consistent application of current mortgage financing products and processes for each retail banking staff member in every branch across a key region of Egypt.• Initiate new business by approaching, prospecting, and recruiting reputable real estate agencies, brokers, and developers. Maintain and foster strong relationships and partnerships, and propose co-branding deals to increase market share, ensure a leading market position, drive revenue growth, and create lucrative opportunities through innovative mortgage solutions.• Maintain regular calls and visits to clients, real estate agencies, brokers, and developers to promote various mortgage programs. • Conduct a market analysis to identify primary and secondary mortgage investment opportunities.• Attract potential mortgage clients by applying efficient sales techniques and tailored funding solutions to develop long-term relationships between clients and the bank.• Collaborate effectively with internal teams and external partners to meet mortgage finance objectives.• Continuously propose initiatives and tactics to enhance the mortgage finance portfolio and maximize productivity and profitability.• Attend conferences and exhibitions to boost the bank's mortgage finance activities and stay updated on market trends.• Possess extensive knowledge of mortgage industry practices, mortgage finance products, and real estate market trends to effectively serve clients' needs.• Develop innovative business strategies to secure assistance in acquiring new mortgage financing options.• Partner with key stakeholders to oversee mortgage finance files throughout the loan disbursement process.• Ensure accurate and complete document fulfillment to enable timely request processing. Show less l- Represent active daily point-of-contact for customers requesting or inquiring on different bank products (whether in person or by phone).2- Process all the customer’s requests for the different bank’s products and service. (Accounts, Remittances, CDs, TDs, Checkbooks, Loans, Credit Cards, Certificates...etc.).3- Host customers and prospect customers at the branch, maintaining QNB ALAHLl's professional image so as to attain their optimum satisfaction level.4- Responsible for managing a portfolio of assigned customers (Banky, Tamayoz or Safwa), handling their requests and maintaining the relationship with them to provide them with the relevant banking solutions resulting in optimum customer satisfaction and maximizing the bank’s profitability.5- Set effective action plans to achieve the assigned portfolio targets as designated by the Markets Management, taking into consideration any changes that may occur to the assigned segment.6- Maintain and develop cross-selling transactions through cultivation of account relationships. Maintain personal contacts with individuals through business calls, appointments and cross selling.7- Develop new business from prospect customers through the utilization of all services of the bank and augment services in the ones already established.8- Compile and analyze customer needs, and address the customers with the right banking solutions.9- Ensure addressing customer’s enquiries and complaints (through customer calls or branch visits), seizing every opportunity to maintain their optimum satisfaction and tackling new business opportunities.10- Keep awareness of the market activities and trends and industry norms through following up on the news and periodicals in order to address the customer’s needs for banking solutions and to build insight on permeating new business opportunities. Show less
Senior Relationship Manager - Mortgage Finance
Jul 2021 - nowRelationship Manager - Tamayoz
Jan 2020 - Jun 2021Relationship Manager - Banky
Aug 2018 - Jan 2020Relationship Executive
Jun 2016 - Aug 2018
Licenses & Certifications

Accredited mortgage diploma amp
The egyptian mortgage federation .emf
Languages
- enEnglish
- arArabic
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