HUSSAM ABUGHALI
Oshawa,Canada
Summary
Dynamic Financial Advisor with a proven track record at Scotiabank, excelling in risk assessment and customer relationship management. Successfully educated clients on investment opportunities, driving a 30% increase in sales revenues. Adept at building strong relationships and delivering tailored financial solutions to meet diverse client needs.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Financial Advisor
Scotiabank
Oshawa, Canada
04.2022 - Current
- Acquired collateral documents to be utilized as security on loans in accordance with banking policies.
- Contacted prospective clients to generate new loans, deposits and business to achieve company production goals.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
- Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities.
- Followed-up on loan exceptions to achieve timely clearings.
- Evaluated risk and demand deposit balances of each account to properly price loans to meet profitability standards.
Home Finance Advisor
Scotiabank
Montreal, Canada
10.2020 - Current
- Source and manage relationships with 3rd party COI's such as realtors, financial advisors and project developers
- Build a respected brand with industry professionals to offer a healthy flow of referrals to my COI's as well as good advice to prospects (Tax specialists, Notaries and Lawyers) to optimise their projects within a complex financial system
- Establish a presence with existing Scotiabank network of branches and stakeholders
- Finalize total of 100 mio worth of submission vary between resale, refinance, switch, and direct from builder.
- Resolved problems, improved operations and provided exceptional service.
- Used Microsoft Word and other software tools to create documents and other communications.
- Worked flexible hours across night, weekend and holiday shifts.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
Sales and Marketing Manager
Madinat Badr Properties LLC
Dubai, UAE
01.2019 - 11.2019
- Company Overview: wholly owned subsidiary of Dubai Islamic Bank
- Led the development of Madinant Badr’s three year sales and marketing strategic plan in coordination with key internal and external stakeholders
- Revamped the end to end process, thus significantly reducing turnaround time, enhancing the customer experience and increasing sales revenues by 20%-30%
- Established the target operating model as well as drafted the Standard Operating Procedures (SOP) and the Delegation of Authority (DOA) Matrix
- Managed tier one real estate brokers such as ASTECO and Collier, and successfully achieved commercial targets as per strategic plan
- Conducted end to end operational activities, including finalizing all legal customer documents, liaising with governmental entities such as Land Department, and managing day to day handover requirements
- Deployed CRM system to support daily operational activities of Madinat Badr
- Wholly owned subsidiary of Dubai Islamic Bank
Property Management Manager
Dubai Islamic Bank
Dubai, UAE
01.2018 - 12.2018
- Managed portfolio of around 1000 units (mix of residential high-end villas, apartments and commercial offices, and warehouses) worth AED 2 Bn equivalent to 700 Mio Canadian Dollar, to be sold & leased in line with management strategy of DIB
- Sold 20% of aforementioned portfolio within Q1 of 2018 under harsh market condition and referred potential customers to DIB Home Finance department
- Finalized and approved outsourcing of Real Estate Brokers for foreclosed properties with DIB and its subsidiaries
- Supervised vendors responsible for facility management, maintenance and security
Manager – Mortgage Sales, Business Development and product enhancement
Dubai Islamic Bank (Home Finance) and Tamweel
Dubai, UAE
07.2007 - 12.2017
- Built a portfolio of over 400 projects across the UAE from scratch, which eventually translated to Canadian Dollar 7 Bn worth of revenues over the years
- Pioneered the usage of the mortgage brokers channel (referral agreement ties ups, training, performance review and ROI) which ultimately became the standard in the industry
- Increased business efficiency, reduced TAT, streamlined the business process, and built an effective team
- Reduced the overall expenses of Home Finance team by 30% by implementing effective cost cutting initiatives
- Managed a team of 40 head counts responsible for overseeing 27 mortgage brokers who generated AED 450 Mn per annum
Inbound Sales Representative
PC MALL INC.
Montreal, Quebec
01.2004 - 05.2006
- Managed inbound inquiries to provide tailored solutions for client needs.
- Collaborated with team members to enhance sales strategies and processes.
- Utilized CRM systems to track customer interactions and preferences.
- Assisted in training new representatives on sales techniques and systems.
- Resolved customer issues by identifying root causes and providing solutions.
- Engaged customers through effective communication and product knowledge.
- Recommended products based on customer specifications and usage requirements.
Sales Representative
Alarm Zone Authorized agent of ADT
Montreal, Quebec
02.2002 - 04.2006
- Demonstrated product knowledge to educate customers on security solutions.
- Conducted in-home consultations to assess customer security needs.
- Cultivated relationships with potential clients through effective communication strategies.
- Collaborated with team members to enhance sales tactics and customer engagement.
- Utilized CRM software to track leads and manage customer interactions efficiently.
- Delivered presentations on alarm systems and home security benefits to prospective clients.
- Developed key customer relationships to increase sales.
- Developed customized sales techniques to successfully sell and upsell services to new and existing clients.
- Generated new sales leads through cold calling and networking activities.
Task Force Manager
Minstry of Health incounjunction with UNDP
Gaza , Gaza and West Bank
08.1996 - 12.2002
- Coordinated health initiatives with UNDP to enhance community health outcomes.
- Supervised task force members in implementing health programs and policies.
- Facilitated training sessions for staff on health service delivery improvements.
- Developed strategic plans for public health campaigns in collaboration with stakeholders.
- Monitored project progress and ensured compliance with health regulations and standards.
- Engaged with local communities to assess healthcare needs and gather feedback.
- Managed resources effectively to support project implementation and sustainability efforts.
- Collaborated with government agencies to align health initiatives with national priorities.
- Drafted comprehensive reports summarizing outcomes from completed tasks.
- Developed and implemented monthly task force meetings to ensure completion of assigned tasks.
- Provided ongoing feedback to individual members based on their performance during assignments.
- Conducted performance reviews for members of the task force team upon completion of assignments.
Education
BSc - Communication Disorder, Major Speech Pathologist
Marquette University
Milwaukee, USA01.1996
Skills
- Risk assessment
- Loan structuring
- Customer relationship management
- Business development
- Negotiation skills
- Communication skills
- Problem solving
- Time management
- Team leadership
- Problem-solving
- Mutual funds
- Sales expertise
- Sales and marketing
- Relationship building and management
- Ethical judgment
- Mortgage specialization
- Client education
- Sales strategy development
Seminars Participations Dubai Goverment Invest me pannel
- Expert Panelist for Creative Labs (Invest ME) with Dubai Executive Council to boost real estate, 2018
- Expert Panelist for Think Tank DLD of Finance Group, 2017
Languages
Fluent in English & Arabic
References
Available upon request
Certification
- Canadian Investment Funds Course (CIFC English).
Accomplishments
- Certificate of Appreciation in recognition of outstanding performance in year 2008 by Distribution channel of Dubai Islamic Bank, Dubai, UAE.
- Top Performance Award of year 2011 by Tamweel PJSC Head of Distribution Dubai, UAE.
- Letter of Appreciation from Head of Sales 2011 by Tarweel PJSC , Dubai, UAE.
- Certificate of Appreciation by VP - Head of Home Finance Distribution and Chief of Home Finance Dubai Islamic Bank, UAE
Language Skills
English
Full Professional
Arabic
Native/ Bilingual
Hebrew
Limited
References
References available upon request.
Timeline
Financial Advisor
Scotiabank
04.2022 - Current
Home Finance Advisor
Scotiabank
10.2020 - Current
Sales and Marketing Manager
Madinat Badr Properties LLC
01.2019 - 11.2019
Property Management Manager
Dubai Islamic Bank
01.2018 - 12.2018
Manager – Mortgage Sales, Business Development and product enhancement
Dubai Islamic Bank (Home Finance) and Tamweel
07.2007 - 12.2017
Inbound Sales Representative
PC MALL INC.
01.2004 - 05.2006
Sales Representative
Alarm Zone Authorized agent of ADT
02.2002 - 04.2006
Task Force Manager
Minstry of Health incounjunction with UNDP
08.1996 - 12.2002
BSc - Communication Disorder, Major Speech Pathologist
Marquette University
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