Seminars Participations Dubai Goverment Invest me pannel
Languages
References
Certification
Accomplishments
Language Skills
References
Timeline
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, USA
01.1996
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
Director, Commercial Card Solutions, Global Transaction Banking, North America at ScotiabankDirector, Commercial Card Solutions, Global Transaction Banking, North America at Scotiabank