Experience

Community Savings Credit Union

• Canada
• Financial Services
• 1 - 100 Employee

• Lending Specialist

  • Feb 2018 - Present



CIBC

• Canada
• Banking
• 700 & Above Employee

• Financial Services Representative

  • Dec 2016 - Feb 2018

• Personal Banker

  • May 2013 - Dec 2016

  • Proactively selling and preparing documentation for approval for, chequing and savings products, lending, including mortgages and secured lines of credit, and investment products.• Gather information from the customer through conversation and prepare and submitting applications and documents for accounts/products as above.• Conduct sales activities, participate in sales blitzes and other events. Coaching and monitoring co-workers.• Furthering relationships with clients regarding their financial needs. • Adhere to all federal and provincial laws and requirements through the application process of all banking products, lending, investments and daily banking.



Arab Bank

• Jordan
• Banking
• 700 & Above Employee

• Branch Manager

  • Jan 2007 - Dec 2009

  • Performed head management requirements and plans to achieve branch goals.• Planned, maintained and evaluated the branch performance.• Supervised, supported and coached a group of five employees.• Administrated and increased loans, deposits, customer base and other banking services by setting sales plan to meet branch target. (The target was achieved for the three years respectively including the consumer loans and deposits. Cash deposits were increased 60% for the first year and 80% for 2009).

• Credit Officer

  • Apr 2005 - Jan 2007

  • Assessed and reviewed loan and credit applications submitted from branches 50 applications per day on average. • Evaluated collaterals, verified the client’s financial information and client’s ability to repay the loan.• Made recommendations and approved the applications according to the bank’s credit policies within authorized limits.• Analyzed financial statements by using credit rating system and financial ratios.

• Collections Officer

  • Sep 2004 - Apr 2005

  • Monitored delinquent accounts, contacted delinquent clients to make payments. • Identified clients experiencing financial difficulties and negotiated payment alternatives with customers who have delinquent loans. • Compiled and reported all bad debts and credit losses to collection manager and legal department.



Bank al Etihad

• Jordan
• Banking
• 700 & Above Employee

• Assistant head of division / Customer service

  • Jun 2004 - Aug 2004

  • Checked and authorized new accounts and clients applications. • Identified customer’s need, promoted bank products to new and existing clients. • Prepared credit applications and renewals. • Contacted delinquent clients to arrange payments. • Checked and authorized new accounts and clients applications. • Identified customer’s need, promoted bank products to new and existing clients. • Prepared credit applications and renewals. • Contacted delinquent clients to arrange payments.



Mashreq Bank

• United Arab Emirates
• Banking
• 200 - 300 Employee

• Service Specialist Supervisor

  • Sep 2003 - Jan 2004

  • Prepared and issued customers requirements; bank cheques, wire transfer local and international by using swift system.• Checked tellers’ daily posted transactions. • Quality assurance for incoming and outgoing (ECC), Electronic Clearing Cheques. • Verified and approved tellers’ over limit transactions. • Audited and followed-up financial differences transactions for ATM. • Supervised the ongoing and outgoing deliveries of large sums to the branch by armed vehicle. • Counted, balanced the tellers’ cash and transferred the cash to the main safe at the end of the day. • ATM & main safe Key holder.



Bank ABC

• Bahrain
• Banking
• 700 & Above Employee

• Credit Analyst

  • Jan 2002 - Sep 2003

  • Promoted and sold bank’s products that meet customer needs. • Prepared credit applications and renewals. Reviewed of financial statements, ensured applications exhibit quality risk assessment and analyses by using credit analyses software (FinnOne). • Checking existed borrowing for their eligibility to increase the credit limit that meet new credit policies. • Monitored non-performing and past due payments to minimize loans delinquency rate. • Maximized loans portfolio through a developed a network of contacts and marketing activities that attracted new clients. Expanded the customers’ base and prompted the bank’s services and products.

• Customer Service Representative

  • Sep 2000 - Jan 2002

  • Delivered financial transactions and responded to clients requests efficiently within a specific timeframe. Holding average 150 transactions daily. • Daily checking ATM balance and adding cash. (ATM key holder).• Posted electronic clearing cheques (ECC banking system). Average 150 cheque per day.• Bought and sold foreign notes. (Achieved the first ranks in training course Detection of fake banknotes).• Promoted bank’s products to customers during the financial transaction. (Cross-selling skills).