Refaat Kassem
Scarborough,Canada
Summary
Sales/Marketing Professional Strategic Advisor known for high productivity and efficient task completion. Specialize in policy development, stakeholder engagement, and risk management strategies. Excel in communication, adaptability, and problem-solving to navigate complex challenges and drive organizational success.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Advisor
Sun Life
12.2023 - 10.2024
- Created tailored retirement plans based on individual needs and preferences.
- Monitored client accounts to identify opportunities for improvement or growth.
- Explained complex financial concepts in an easy-to-understand manner.
- Analyzed financial data and prepared reports for clients to help them make informed decisions.
- Developed strategies to help clients achieve their long-term financial goals.
- Conducted research into various investment options available to clients.
- Advised clients on budgeting techniques and debt management strategies.
Financial Associate
Experior Financial Group.
12.2019 - 01.2023
- Help clients to determine the best budgeting, current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance and retirement plan for them, including investment strategies and other financial responsibilities
- Help Families and Business owners for their full future financial plan, save taxes, generate cash flow in the future, security and predictability of guaranteed income for life
- Mortgage, home and car insurance, travel insurance and more
- Prepared detailed financial reports for clients regarding their current portfolios.
- Generated regular updates on client portfolios including performance reviews.
Financial Advisor
Sun Life Financial
01.2016 - 01.2017
- Developed financial plans and strategies tailored to clients' individual needs.
- Conducted detailed analysis of clients' current financial situation, including risk assessment, cash flow management, and retirement planning.
- Reviewed existing client accounts to identify any gaps or areas needing improvement.
- Facilitated client meetings to discuss portfolio performance and suggest modifications as needed.
- Interviewed clients to determine income, expenses, financial objectives, and risk tolerance in order to develop successful financial plans.
- Advised customers on advantages and disadvantages of different product decisions in alignment with individual needs.
Property Manager /Board Director
Lawrence Village
Lawrence Village, Canada
01.2012 - 01.2016
- Arrange and direct the annually meeting to discuss and review budget, tenant’s law and compliance
- Conducted periodic inspections of properties to ensure compliance with safety regulations and tenant requirements.
- Managed all maintenance requests from tenants in a timely manner.
- Coordinated with vendors for the procurement of services such as repairs, renovations, landscaping.
- Resolved tenant complaints quickly and effectively while ensuring customer satisfaction.
- Analyzed market conditions regularly to identify opportunities for improving operational efficiency.
- Participated in industry conferences and events in order to stay abreast of new technologies related to property management practices.
- Inspected properties regularly to identify deficiencies and schedule repairs.
- Handled resident complaints and expedited maintenance requests.
- Managed and oversaw operations, maintenance and administration of properties.
Education
Mortgage Agent License - Financial Services
Remic
Toronto01.2020
Financial Advisor License, LLQP - Financial Services
IFSE Institue
Toronto01.2016
Bank Teller Course - Financial Services
The Training Centre For Canadian Bankers
01.2007
Some College (No Degree) - Business Administration And Management
Centennial College
Toronto05-2006
Some College (No Degree) - Information And Communication Technology
Academy of Learning College
Toronto05-2003
Some College (No Degree) - Business Management
Niles Brock-Copenhagen Business College
International05-1991
Some College (No Degree) - Business Administration
American University in Cairo
Egypt07-1990
Bachelor’s degree of Law and Police Science - Law And Police Siences
Police Academy
Egypt07-1986
Human Rights Certificate - Human Rights
USIDHR, US Institute of Diplomacy And Human RIGHTS
Some College (No Degree) - Occupational Health And Safety
Ontario
Some College (No Degree) - Communications
Ministry of Interior
EgyptSome College (No Degree) - Security
Ministry of Interior
EgyptSome College (No Degree) - MBA.Business
Udemy
Skills
- Presentations and public speaking
- Curriculum requirements
- Project management
- Client engagement
- Compliance requirements
- Relationship building
- Time management
Certification
- Valid CPR
- First Aid
- Security and Investigation Squad
- Telecommunication Squad for Police Operations
Hobbies and Interests
- Tennis
- Table tennis
- Swimming
- Soccer
- Squash
- Badminton
- Chess
- Reading
- Traveling
- Watching movies
- Author
- Coach
- Public speaker
References
Available upon request.
Languages
- English
- Arabic
References
References available upon request.
Timeline
Advisor
Sun Life
12.2023 - 10.2024
Financial Associate
Experior Financial Group.
12.2019 - 01.2023
Financial Advisor
Sun Life Financial
01.2016 - 01.2017
Property Manager /Board Director
Lawrence Village
01.2012 - 01.2016
Mortgage Agent License - Financial Services
Remic
Financial Advisor License, LLQP - Financial Services
IFSE Institue
Bank Teller Course - Financial Services
The Training Centre For Canadian Bankers
Some College (No Degree) - Business Administration And Management
Centennial College
Some College (No Degree) - Information And Communication Technology
Academy of Learning College
Some College (No Degree) - Business Management
Niles Brock-Copenhagen Business College
Some College (No Degree) - Business Administration
American University in Cairo
Bachelor’s degree of Law and Police Science - Law And Police Siences
Police Academy
Human Rights Certificate - Human Rights
USIDHR, US Institute of Diplomacy And Human RIGHTS
Some College (No Degree) - Occupational Health And Safety
Ontario
Some College (No Degree) - Communications
Ministry of Interior
Some College (No Degree) - Security
Ministry of Interior
Some College (No Degree) - MBA.Business
Udemy
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