EMAD MASOUD

[email protected]

Cell Phone    + 962 79 823 6571

EXPERIENCE         ADNIF- a subsidiary of FAB, Nov. 2014-April 2018

Relationship Manager – Corporate & Commercial Banking

·            Managing a portfolio of Corporate Accounts consisting of 25+ relations from different sectors (Trading, Manufacturing, Contracting, Hospitality, Healthcare, Oil & Gas).

·            Responsible for enhancing utilization levels of granted limits; complete limits of project & CAPEX Finance and (70 – 80)% of Working Capital Limits.

·            Responsible for conducting new relations and promote sale of various banking products pertain Corporate Banking.

·            Recommend New & Renewal Proposals.

·            Recommend Projects’ Finance with complete financial and feasibility study analysis.

·            Conduct Cross selling of banking products i.e. Treasury, retail and Investment products.

Fast Link Mobile LLC, Dubai, Jul. 2013- Sept. 2014

Relationship Manager – Key Domestic Retailer

·            Managing and enhancing the existing commercial portfolio including large, medium and small retailers within the Gulf Cooperative Countries (GCC) in order to meet the pre-set financial/ non-financial objectives.

·            Establish new relationships for Key Domestic Retailer Dept. (KDR), preparing requirements and business analysis as per the company policies and procedures to enhance the company market share.

·            Develop and maintain strong working relations with all existing clients at key levels to optimize utilization.

Sharjah Islamic Bank, Sharjah, Jan 2011-Jun 2013

Asst. Relationship Manager

·            Build up a portfolio of corporate accounts of about AED 400M, including about 15 accounts with average utilization above 70%. Portfolio spread across range of industries including: Trading (60%), Manufacturing (25%) and Contracting Business (15%).

·            Managing day-to-day business concerns to ensure satisfactory utilization of granted limits; (Average Utilization of 70%).

·            Prepare, Analyze financial feasibility and Recommend proposals.

·            Collaborate with product, credit and functional specialists to deliver timely and effective customer solutions.

Emirates Islamic Bank, Sharjah, Aug. 2006-Jan. 2010

Relationship Manager

·         Build up a portfolio of business accounts of about AED 600M, including 20+ accounts with average utilization of 80%. Portfolio spread across range of industries including: Trading (60%), Manufacturing (20%) and Contracting Business (20%).

·         Analyze financial requirements of customer and match with bank’s product offerings.

·         Analyze and review potential business to ensure maximum profitability.

·         Grow customer portfolio size by deepening existing customer relationships.

·         Provide advice on potential financial solutions based on identified needs.

·         Ensuring normal and active utilization of granted limits and installments follow up.

Arab Bank plc, Sharjah, Oct. 2004-Aug. 2006

Relationship Officer

·         Managing a portfolio of business accounts including about 50 accounts with average utilization above 70%. Portfolio spread across range of industries including: Trading (50%), Manufacturing (20%) and Contracting Business (30%).

·         Achieving annual targets on utilization percentage above 70%.

·         Advising customers on matters related to Financial Issues, Contracts, Development and Investment.

·         Ensuring Proper Documentation Procedures.

·         Measuring progress on daily basis and maintenance.

·         Responsible for reviewing and analyzing feasibility studies of various types of businesses.

·         Managing activities on expiry and regular renewal of accounts.

Abu Dhabi Islamic Bank, Abu Dhabi, Sept. 1998-Sept. 2004

Customer Service Representative

·            Handle transactions and answer customer queries.

·            Decipher customer needs and offer the best solution based on proper bank policies.

·            Effectively communicate ideas, suggestions and answers.

·            Offer upgrades and new banking services or products.

SKILLS
Key Skills
Negotiations; Inter Service Coordination; Statistical Analysis Skills; Client Development; Marketing Skills; Financial Analysis; Interpersonal Skills, work within international environment.

Computer Skills

Databases; Internet Applications (HTML); E-commerce; Microsoft Office (Word, Excel, Power Point, Outlook); Internet Research.

EDUCATION

American University in Dubai                          2004

Master in Business Administration

Mu’tah University, Jordan                                 1997

Bachelor of Science

SEMINARS

Project Finance                                                    Sharjah Financial Institute

Relationship Management                             Meirc Training & Consulting

Work Ethics                                                            Meirc Training & Consulting

Development of Skills                                       Addition Training Co.

How to Retain Customers                                                Human Investment Corp.

Habits of Success                                                 Gulf Innovation

PERSONAL DETAILS

Date of Birth                                                          : 22nd May 1973

Nationality                                                             : Jordanian

Marital Status                                                       : Married

Languages                                                               : Arabic, English