Overview
Work History
Education
Timeline
Accomplishments
Certification
Affiliations
Job shadowing and short time job in HSBC
Generic

MAJID NAJMAN SARTOO ALBALUSHI

Muscat,Oman

Overview

21
21
years of professional experience
2
2
Certificates

Work History

Sales Manager

HSBC Bank
09.2021

01.2019 - Current
  • Participated in team-building activities to enhance working relationships.
  • Carried out day-day-day duties accurately and efficiently.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Developed team communications and information for meetings.
  • Developed and implemented performance improvement strategies and plans to promote continuous improvement.
  • Created plans and communicated deadlines to ensure projects were completed on time.

Mortgage Manager

HSBC Bank
06.2018 - 12.2018

Mortgage Advisor

HSBC Bank
10.2014 - 06.2018

Senior Premier Business Development Officer

HSBC Bank
04.2013 - 10.2014

Customer Service officer

HSBC Bank
01.2011 - 04.2013

Customer Service Associate

HSBC Bank
09.2010 - 01.2011

Sales Associate

HSBC Bank
12.2007 - 09.2010

Courier

DHL Company
Muscat, Oman
05.2006 - 11.2007
  • Delivery of a customer experience that meets or exceeds our customers’ expectations.
  • To be open, connected, dependable and act with courageous integrity at all times.
  • Full compliance with internal policies, procedures and compliance requirements.
  • Making Daily Report & submitting the same to line Manager.
  • Training the new joiner for Courier job.
  • Achievements:.
  • Customer feed beak award scoring 90 % for in 2011.
  • Customer feed beak award scoring 93 % for moth of Jun 2009.
  • Shukran award in June 2012.
  • Was awarded for the legendary service.
  • Star Of The Month Service in Feb 2010.

Courier

DHL
06.2005 - 11.2007

Telephone operator

Ruwi Hotel
01.2003 - 05.2005
  • Leadership & Teamwork: Develop Sales strategies to achieve sales target by efficiently managing, developing and supervising a team.
  • Internal Control: Maintains HSBC internal control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators.
  • Internal Business Process: To be alert to operational risks and losses during the Execution of their day to day responsibilities.
  • Should an employee become aware of emerging or inadequately controlled operational risk or identify an operational risk loss, they must report this to their Line manager, ensuring that it is reported to their Local Operational Risk Co-coordinator.
  • Protect the good reputation of HSBC Group and to comply with both, the letter and spirit, of all relevant laws, codes, rules, regulations and standards of good market practice and maintain highest standard of conduct at all times.
  • By ensuring updated awareness of Compliance, Reputational Risk and Anti Money Laundering policy.
  • Meet with existing and new customers; identifying potential needs for mortgage lending and taking customers instructions and/or guiding customers through the mortgage process.
  • To report to Line Manager for a day to day activity and operational management issues.
  • Discharge the (Compliance Officer) accountabilities set out in the Compliance Officer Handbook by pro-actively assisting management in identifying and containing compliance risk, monitoring, reporting and certification, fostering a compliance culture and optimizing relations with regulators.
  • Maintain a comprehensive understanding of customer portfolios and financial needs, and identify opportunities to fulfill customer needs through use of Wealth Management tools and premier individual reviews.
  • Develop customer portfolios in line with the standards laid down by local Wealth sales executive team.
  • Direct customers to the most cost effective and efficient service delivery channel (Premier Relationship Officer and support staff for service related queries).
  • Agree lending facilities (where appropriate) only when there is a full understanding of the purpose of the borrowing, its repayment source and provided it is within the approval authority allocated.
  • Effectively balance the need to grow the portfolio whilst maintaining the highest standards of operational excellence.
  • A good knowledge of the bank’s Premier proposition and global standards relating to HSBC’s Retail Wealth business.
  • Maintain a comprehensive understanding of customer portfolios and financial needs, and identify opportunities to fulfill customer needs through use of Wealth Management tools and Premier Individual Review.
  • Develop customer portfolios in line with the standards laid down by local Wealth sales executive team.
  • Direct customers to the most cost effective and efficient service delivery channel (Premier Relationship Officer and support staff for service related queries).
  • Agree lending facilities (where appropriate) only when there is a full understanding of the purpose of the borrowing, its repayment source and provided it is within the approval authority allocated.
  • Effectively balance the need to grow the portfolio whilst maintaining the highest standards of operational excellence.
  • The job holder should have a good knowledge of the bank’s Premier proposition and global standards relating to HSBC’s Retail Wealth business.
  • Increase RBWM business from existing customer base and prospects by carrying out day-to-day sales activities (i.e.
  • Approaching potential customers, calling and visiting.
  • Prospects, conducting presentations, exploring sales from assigned portfolio).
  • Produce work of efficiency and accuracy in daily operations by ensuring all applications submitted for approval are completed to a high standard in all respects and included all appropriate supporting documents and by handling customers’ complaints (if any) Properly and promptly.
  • Protect the Bank’s interests by complying strictly with internal/external regulations relating to banking operations in Oman.
  • Marketing & promoting all HSBC financial products.
  • Sales of Credit cards, personal loans, home loan, car loans, insurance.
  • Customer service pre & post sales.
  • Reporting to sales Manager for direct sales.
  • Making Daily Sales Report & submitting the same to sales manager.
  • Handling customer complaints.
  • Reporting to sales manager for competitors update.
  • Train the new joiner in their areas of work including customer service related methods,.
  • Keeping update of financial market happening.
  • Ensuring high quality services, resulting in optimum resource utilization for max.
  • Service quality.
  • Ensuring maximum customer satisfaction by closely interacting with in-house & potential guests to understand their requirements & customizing products & services with optimum resource utilization.
  • Strategizing policies & procedures in the operating systems to achieve greater Customer Service.
  • Reviewing & interpreting the market trends/ client feedback to attune the business strategies.
  • Put the customer at the heart of our business and deliver joined up services and solutions aligned to customer needs.
  • Display the leadership skills to transform the business and drive staff engagement.
  • Meaningful interactions (physical & virtual where a need is discussed) in line with the defined sales process – EDRAS.
  • Number of leads converted from walk in contact, IR’s and CRM generated leads resulting in a sale or an appointment – EDRAS.
  • Delivery of a customer experience that meets or exceeds our customers’ expectations.
  • Ensure on-going operation of business meets audit and risk standards.
  • To be open, connected, dependable and act with courageous integrity at all times.
  • Full compliance with internal policies, procedures and compliance requirements.

Education

English Course -

British Council Oman
09.2009 - 12.2009

Higher National Diploma - Business Accounting and Finance

CBFS

Bachelor of Accounting - Auditing & Finance

CBFS

Timeline

Sales Manager

HSBC Bank
09.2021

01.2019 - Current

Mortgage Manager

HSBC Bank
06.2018 - 12.2018

Mortgage Advisor

HSBC Bank
10.2014 - 06.2018

Senior Premier Business Development Officer

HSBC Bank
04.2013 - 10.2014

Customer Service officer

HSBC Bank
01.2011 - 04.2013

Customer Service Associate

HSBC Bank
09.2010 - 01.2011

English Course -

British Council Oman
09.2009 - 12.2009

Sales Associate

HSBC Bank
12.2007 - 09.2010

Courier

DHL Company
05.2006 - 11.2007

Courier

DHL
06.2005 - 11.2007

Telephone operator

Ruwi Hotel
01.2003 - 05.2005

Higher National Diploma - Business Accounting and Finance

CBFS

Bachelor of Accounting - Auditing & Finance

CBFS

Accomplishments

  • Customer service reference, know your customer.
  • Excellent Customer Service.
  • Bank Insurance.
  • Basic Banking Product.
  • Premier stage 1+2.
  • Internet Banking DRIVING LICENCE.
  • Light vehicle.

Certification

Third Secondary from Mabila School in 2001.

Affiliations

To pursue my professional career in an organization with a performance oriented environment for achievement of corporate goals and personal advancement. Being an ambitious and hardworking professional, I am looking forward to challenging my potential and being worthy of management’s trust and confidence.

Job shadowing and short time job in HSBC

1- Operation Manager in branch ( 3 months worked as Operation Manager in branch)
2- Credit Manager, Retail Credit Services, Retail Credit Risk Services (10 business day support risk team).
3- job taste/shadow Coverage Relationship Manager in Corporate Banking, Customer Service Unite (2 business day).

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MAJID NAJMAN SARTOO ALBALUSHI