Islam Mahmoud

Experience

• 

  National Bank of Abu Dhabi

  Dec 2011 - Nov 2015

  Retail Banking Advisor

  • Provide best customer service over the counter.• Ensure all transactions are in adherence with AML and CBE regulations.• Receive customer instructions at counter and execute customer instructions and requests.• Reply to all customer inquiries.• Collection of cheques, foreign and local currencies (in and outward).• Responsible for all inward transfers.• Issuance of certified and bank draft cheques.• Check post dated cheques• Achieve assigned targets on both Assets and Liability products.• Sell full range of bank's products and services and contribute effectively in achieving branch's retail budget.• Contribute in business calls to generate new retail business outside and inside the branch. • Cross selling bank's products and services to branch customer base.• Target business segments that meet bank products criteria.• Maintain a solid relationship with customers, customer's employers to improve customer's loyalty to the bank. • Adhere to the products parameters and credit policy manuals.• Set-up and provide a yearly, monthly and weekly sales plan.• Responsible of pulling in companies pay roles in coordination with Product managers and corporate staff.• Recommend the positive as well as negative residential lending areas. Show less

• 

  Arab African International Bank

  Dec 2015 - now

  - Conducting independent loan reviews and reporting policy and underwriting exceptions to the Executive Loan Committee. - Perform credit analysis, which includes analysis of financial statements, ratios, cash flow, and loan decisions. Reviews to ensure credits are adequately underwritten, properly graded, appropriately priced, and conform to Bank policy. - Perform a comprehensive review of sampled new loans and modifications to identify any credit weaknesses, policy or regulatory violations, servicing deficiencies, or trends. These reviews will include analysis of financial information and the credit facility to help form a conclusion on the loan or modification.- Complete trend and portfolio management analysis via defined reports, as well as using knowledge, experience, and observation to determine if new analysis is needed. Communicate results of portfolio analysis to Executive Loan Committee at least monthly.- Communicate exceptions, trends, concerns, and conclusions of the loan and modification reviews to Credit Risk Manager on a defined basis.- Help the Bank manage the risk in the loan portfolio by ensuring compliance with Bank and regulatoryrequirements, as well as following up on trends identified so appropriate training can be developed andprovided to lending staff. Show less • Proper and accurate handling of customer requested within the branch and other bank departments in all services as opening new accounts, deposits and all bank products.• Introduce, explain, sell and cross sell bank services and products clarifying all features to ensure customer understanding and satisfaction.• Follow up all customer's instructions and requests.• Awareness of competitor's products and services and ability to show points of strength and weakness• Achieve targets to ensure fulfill the business plan.• Review dormant accounts and contact customers to reactivate it.• Review minors and overdrawn accounts to take the corrective actions.• Attempt to retain clients persist that they want to close the accounts.• Propose and contribute in designing sales packages to individuals and corporate customers.• Review and follow up past due installments for granted facilities.• Control AML within the area and ensure that anti-money laundry regulations are properly adopted.• Beside the above duties at the branch, I'm an Officer in Charge of Four Seasons Resort Banking unit with all of its banking services from cash to customer service functions. Show less

  • Senior Corporate Credit Risk Officer

    Feb 2020 - now

  • Customer Service Representative

    Dec 2015 - Dec 2020