Maha Mohie Eldin

Experience

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  Prime Capital AG

  Sept 2005 - Dec 2006

  Research Assistant

  May 2005–December 2006~ Prime Capital [Cairo], [Egypt]Research Department Assistant & HR Assistant• Write analytical reports including a financial statement, coupons, assets, obligations, any relevant news, and company history.• Assisting the HR Manager in filing employee reports, including new employees and existing ones.

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  Citi bank

  Jan 2007 - Jan 2012

  September 2009 • Cater for all customer walk-in requests and provide required services. • Demonstrate all access channels to customers.• Participate in special projects and tasks including compliance related activities.• Proactively provide feedback to the Branch Manager, and supporting units of new products, marketing, service opportunities and issues to assist in decision making consistent with the Citibank experience.• Help in achieving volume and revenue related goals via relationship deepening. • Grow the number of new account relationships via conversion of branch walk-ins, customer referrals, and marketing leads.• Stay updated and learns about the complicated and various products offered by the competition. Show less

  • Branch services officer

    Sept 2009 - Jan 2012

  • Citi phone officer / Authorizer

    Jan 2007 - Sept 2009
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  Citi

  Jan 2012 - Apr 2016

  Relationship Manager

  January 2012 – April 2016 ~ Citibank [Cairo], [Egypt]Relationship Manager & Certified Investment Consultant• Achieve volume and revenue goals via the combination of customer acquisition and relationship deepening.• Personally and proactively help with building the business, deepening relationships, and increasing targeted consumers through the execution of an effective sales process.• Stay updated and learns about the complicated and various products offered by the competition.• Grows the number of new account relationships via conversion of branch walk-ins, customer referrals, marketing leads, and self-generated leads.• Proactively try to upgrade core customers to Citigold customers through increasing their portfolio.• Assessing financial needs of customers.• Focus on fee and commission revenue through investments and insurance products, followed by growth of balance sheet and acquisition of NTB top-end customers, offering high-end products.• Demonstrates all access channels to customers.• Handle all customer service. Show less

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  CIB Egypt

  Apr 2016 - Oct 2016

  Wealth Manager

  April 2016 – Present ~ CIB [Cairo], [Egypt]Wealth Manager & Certified Investment ConsultantSales & Service• Manage efficiently the portfolio of customers designated, acquire NTB customers, enroll and upgrade existing customers along with cross-selling all exclusive products to the customer to achieve his/her set target and meet the annual approved plan.• Review reports provided from Quality Assurance Department and Call Centre, which indicates the level of service and rate of complaints. • Ensure that any customer complaint is solved, as well as striving for achieving the best in class service through professional customer handling.• Track Wealth Customers’ inflows and outflows on a daily basis and contact customers to seek information behind unexpected behavior. • Insure consistently high levels of customer service are maintained by effectively dealing with CIB Wealth Customer inquiries and complaints.• Ensure that the work area is maintained in a good condition and that product literature is available and prominently displayed.Reporting, Communication, and Coordination• Respond positively and diligently to colleagues and coordinate and communicate effectively with branch staff and support units to ensure that customer requests are processed timely and efficiently. • Ensure that the required awareness about the proposition is provided to branch heads and all front liners in order to create quality referrals.• Attend meetings with segment management to address wealth customers needed service and products.• Prepare a daily sales report including all sales activities and call reports to share it with the Branch Manager.• Seek and continuously develop knowledge and information about competitor activity, pricing and tactics and communicate this Show less

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  ADIB - Abu Dhabi Islamic Bank

  Nov 2016 - Mar 2017

  Wealth Manager & Certified Islamic Investment Consultant

  ● Reporting to Wealth Head.● Sales & Service:● Manage efficiently the portfolio of customers designated, acquire NTB customers, enroll and upgrade existing customers along with cross-selling all exclusive products to the customer to achieve his/her set target and meet the annual approved plan.● Review reports provided from Quality Assurance Department and Call Centre, which indicates the level of service and rate of complaints. ● Ensure that any customer complaint is solved, as well as striving for achieving the best in class service through professional customer handling.● Track Wealth Customers’ inflows and outflows on a daily basis and contact customers to seek information behind unexpected behavior. ● Insure consistently high levels of customer service are maintained by effectively dealing with ADIB Wealth Customer inquiries and complaints.● Ensure that the work area is maintained in good condition and that product literature is available and prominently displayed.● Reporting, Communication, and Coordination:● Respond positively and diligently to colleagues and coordinate and communicate effectively with branch staff and support units to ensure that customer requests are processed timely and efficiently. ● Ensure that the required awareness about the proposition is provided to branch heads and all front liners in order to create quality referrals.● Attend meetings with segment management to address wealth customers needed service and products.● Prepare a daily sales report including all sales activities and call reports to share it with the Wealth Head.● Seek and continuously develop knowledge and information about competitor activity, pricing and tactics and communicate this within division. Show less

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  National Bank of Kuwait

  Apr 2017 - now

  Manage the development and enhancement of new propositions for the new relations towards achieving established plans and targets. Monitor and manage the bank payroll portfolio. Lead and manage branches and sales team to X-Sell assets products (Loans/Cards) from the existingportfolio as well as new to bank relations employees. Set objectives for subordinates and team members and follow-up their achievement. Develop and enhance the existing process. Acquire new to bank relations in accordance with Target Market criteria Forecast acquisitions and developed revenue plans. Expedite the process between branches requests and business/risk approvals. Propose and recommend new initiatives to be implemented towards increasing the payroll business performance. Follow-up with branches Payroll Team regarding branches payroll productivity Develop sales incentive scheme for the sales team. Identify business opportunities and refer leads to the sales team. Create tools to track pipelines, sales figures and profitability reports Show less ● Reporting to Risk Head officer.● Ensure that the facilities implemented through Credit Admin Department (facilities and collateral) are in accordance with proper credit decisions and in conformity with the credit policy and CBE rules and regulations. Check all departments related output reports and committee decisions to make sure proper implementation and execution of the approved facilities.● Conduct clearance of discrepancies with the concerned staff area to avoid its occurrence.● Review and check Circulations approval of the credit facilities.● Monitor and report the collaterals coverage ratio whenever it falls below the contractual coverage ratio agreed upon with clients and approval by the relative credit committee.● Prepare and submit monthly reports to the Head of Credit Compliance showing all related issues to the Credit Admin Dept and/or Business Banking● Monitor insurance policies held as collaterals with the respective area prior to maturity to ensure proper action is taken in coordination with Credit Adm. Department.● Ensure that all documents are in order and that all facilities are approved by the proper authority.● Ensure that the approval memo is following the bank credit policy.● Review the risk approval facility rates are following bank policy.● Review CBE reporting correctly with the given risk approval.● Review the facility limit is created correctly and following the risk approval memo.● Review all the facility interest rate changing on a daily basis.● Review the system override sheet on a daily basis to ensure that all the override transaction is having the right approval.● Send a monthly report with all the finding mistakes to the concerning departments.● Ensure to correcting & covering all the mistakes caused by all the concerning departments by following up with corrective plan in order to correct them in a proper way following to bank procedures. Show less ● Reporting to CAD Head - Central Operations Head.● Assist for launching new products in coordination with finance and product team to create manuals, required documents, level of approval and design workflow.● Develop and periodically review retail policies (Loans/Credit Cards) and SOPs and evaluate current workflow TAT to meet SLA agreements.● Prepare and monitoring SLA with all related departments. ● Monthly reports to evaluate business portfolio figures with comparison with historical periods, determine bottleneck and work to solve it with better communications with related parties.● Control and monitor excesses over approved limits, monitoring facilities, guarantees expiry dates and car and mortgage insurance.● Preparing and reviewing all retail reports to be sent to senior management (monthly statistics for bank products).● Verifying profit margin for all secured/unsecured loans/ODs whatever fixed or variable rates.● Responsible for core banking system (upgrade-fix) new requirement whatever requested by management or regulators.● Manage and review Credit Control Policies and Procedure to ensure that the functional area complies with the Internal Control and the Credit Procedures and report discrepancies to the management for rectification and compliance with corrective action plan.● Induction course instructor for newcomers (about Credit Admin job duties and retail products).● Reviewing team performance by measure their work quality, turnaround time “TAT” in order to meet approved SLA.● Fraud investigation and initiate control reports to mitigate potential risks. Show less ● Reporting to CAD Head.● Staff Management:● Oversight team daily activity and ensure timely and accuracy of their action, ● Ensure continuous coaching and training of Credit Admin Central Officers to achieve the highest level work standards,● Comply with date of reports whether internal (CAD reports) or external (CBE and external auditors).● Managing team workload and assigning the tasks appropriately based on their expertise and capability for better performance.● Credit Control:● Manages the specific credit documentation process for all types of loans (personal, auto, mortgage) and credit cards to ensure the highest level of Quality Assurance & Compliance with Credit policy.● Ensure accurate release of approved customer lines as soon as all requirements are met: in term of required level of approvals, Conditions met or deferred / waived, documentation / collateral held and any regulatory aspect cleared. ● Track, monitor and follow-up any approval conditions (including Credit & Legal related) and documentation status relevant to each credit approval into the Credit Administration database.● Obtains and validates that all Legal documentation is in line with local regulatory requirements and received approvals; ensure that any Deferred/waived Legal documents have appropriate approval on file.● Ensure timely request of CBE code whenever needed for any new customer, and to review of Ekhtarat prior sending to CBE.● Periodic review and escalation of excess over limits, unutilized limits, expired or frozen limits due to documentation deficiencies or shortfall in collateralization levels.● Do sanity checking to verify accuracy of work performed by assigned team members. Show less ● Reporting to Privilege Head and Retail Head● Sales & Service:● Manage efficiently the portfolio of customers designated, acquire NTB customers, enroll and upgrade existing customers along with cross-selling all exclusive products to the customer to achieve his/her set target and meet the annual approved plan.● Review reports provided from Quality Assurance Department and Call Centre, which indicates the level of service and rate of complaints. ● Ensure that any customer complaint is solved, as well as striving for achieving the best in class service through professional customer handling.● Track Wealth Customers’ inflows and outflows on a daily basis and contact customers to seek information behind unexpected behavior. ● Insure consistently high levels of customer service are maintained by effectively dealing with NBK Customer inquiries and complaints.● Ensure that the work area is maintained in good condition and that product literature is available and prominently displayed.● Reporting, Communication, and Coordination:● Respond positively and diligently to colleagues and coordinate and communicate effectively with branch staff and support units to ensure that customer requests are processed timely and efficiently. ● Ensure that the required awareness about the proposition is provided to branch heads and all front liners in order to create quality referrals.● Attend meetings with segment management to address wealth customers needed service and products.● Prepare a daily sales report including all sales activities and call reports to share it with the Retail Head.● Seek and continuously develop knowledge and information about competitor activity, pricing and tactics and communicate this within division. 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  • Payroll Segment Manager

    Jul 2022 - now

  • Risk Compliance Manager

    Oct 2019 - Nov 2022

  • Limits & Collateral Manager - Head of MIS & System Upgrade

    Jun 2019 - Sept 2019

  • Area Manager- Retail Credit Admin and Control

    Jun 2018 - May 2019

  • Privilege Senior Manager & Certified Investment Consultant

    Apr 2017 - May 2018