**** ******* **. *******, ** H*N*K*

T: 514-***-**** E: acvfbh@r.postjobfree.com

Pragmatic and strategic Finance Professional seeks to harness acumens in account management, mortgages, and lending, paired with comprehensive understanding of economics as well as commercial and personal credit markets in order to ensure that clients can achieve their short-term and long-term financial goals. Polished interpersonal communicator adept at negotiations and translating client needs into viable plans that suit their best interests. Consummate relationship builder showcases a knack for turning first-time customers into long lasting, mutually beneficial partnerships thanks to ability to quickly pinpoint alternative solutions and adapt to the changing needs of clients, businesses and the marketplace.

Core Strengths & Expertise

Financial Statement Analysis

Client Needs Assessment

Commercial Market Sector Analysis

Cash Flow & Credit Analysis

Financial & Investment Planning

Account Management

Risk Assessment & Mitigation

Client Relations & Retention

Financial Budgeting & Forecasting

Report & Data Generation

Career Path Development

PROPERTY MANAGER GENERAL WORK 2014-Present Union Gimo INC, Montreal, QC

Responsible for cleaning numerous apartment’s and commercial sites in timely and professionally manner. Perform cleaning duties to maintain private homes and condominium in a clean and healthy environment. Provided thorough, efficient cleaning services customized to client preference. Worked at a major condo construction project.

Finding and Negotiating of property job contracts.

Apartments, houses and small to medium business reparation and maintenance ( wall painting, hardwood insulation, woodworking, pluming est

Garbage collecting and dumping

Conducting minor repairs to lights and electrical equipment

Used chemicals to keep the environment sanitized while continuously adhering to safety precautions specified

Windows cleaning

Floor cleaning, waxing and mopping

MORTGAGE SPECIALIST 2007 – 2013

CIBC FirstLine Mortgages – Calgary, AB

Financial acumen in credit and lending led to being brought on board with this division of CIBC Mortgages Inc., tasked with assessing applications, analyzing marketability of properties, and approving and closing applications for clients ranging from builders to residential and commercial buyers. Thrived in the role, taking on complete functions within one week of hiring. Consistently achieved aggressive targets thanks to ability to harness risk management expertise and knowledge of the mortgage and loan business. Clients and stakeholders included brokers, realtors, appraisers, CMHC, GE Insurance, Genworth, as well as FNF Canada, handling files from across Canada (with the exception of the province of Quebec).

Utilized superb time-management and planning talents at the start of day, reviewing messages, reports, and applications and prioritized tasks so that all deadlines were met.

Diligently reviewed applications to ensure that necessary details and specifications were present and correct.

Harnessed analytical strengths and detail orientation to perform in-depth analysis on property marketability in order to determine whether or not the loan could be secured.

Leveraged an eye for detail when reviewing and validating documents such as appraisals, property zoning, Land Title Act, purchase agreement, and mortgage or loan clauses.

Consistently achieved performance targets, working with a large network of brokers and lawyers to ensure that deals were closed on time.

Earned reputation for outstanding diligence and performance.

Judiciously handled cash advancing limits from 1.5M up to 15M.

Assessed client financial statements, income, GDS and TDS ratios and debts when implementing and maintaining systems for risk identification and risk treatments.

Played an integral role in ensuring that audits showed full compliance with CMHC standards by working with Procurement and Underwriters.

Advocated for stronger awareness surrounding Business Risk Management Techniques for Fraud and Money Laundering and led the risk assurance process.

Showcased a commitment to professional development and teambuilding by attending corporate/unit business risk management workshops.

Drew upon leadership and liaising talents when following up with mortgage lawyers and brokers on outstanding mortgage validating conditions and other documents.

Continued…

Khalid Eldabbagh

SENIOR ACCOUNT EXECUTIVE 2006 – 2007

CITI Group – Calgary, AB

Joined this leading global bank with a high rank of in-debt clientele charged with performing needs gathering and analysis, cold calling, achieving sales targets in mortgages, loans, credit card applications and insurance products. Helped clients open new personal accounts over the phone and face to face, taking great pride in recommending the best products and services to fit the client’s financial and budgetary needs.

Drew upon polished phone etiquette when making cold calls, harnessing financial expertise to convince clients to consolidate debts, thereby achieving better financial standard.

Appreciated by clients for warm and personable demeanour, earning their trust by performing regular follow-ups as well as keeping on top of servicing after the sale.

Devised viable strategies for debt consolidation and prepared tailored budgets for clients that enabled them to better allocate spending and manage budgeting restrictions.

Met sales goals thanks to comprehensive knowledge of mortgage documents such as appraisals, pay stubs, T4s, T1s, reference letters, credit reports, and financial statements.

Regularly participated in community events and activities in order to generate and capitalize on new and repeat loan business.

Oversaw documentation and reporting, loan closing, filing, collections, payments posting, handling cash drawer, balancing drawers, and bank deposits.

TEAM LEADER 2004 – 2006

SITEL Corp (outsource call centre, Rogers telecom) – Montreal, QC

Began as a customer service representative and three month later was recognized for leadership talents, receiving a promotion to become a Team Leader at this outsourced call centre for mogul Rogers’s telecommunications. Led hiring, training and coaching, and monitored calls for quality assurance and 100% client satisfaction ratings. Coordinated, trained, and supervised a team of 25.

Additional Professional Experience Includes: 11 years as Store Manager of Tabagie Metro Monk (Montreal, QC).

Education & Training

BACHELOR OF SCIENCE, ECONOMICS, Concordia University – Montreal, 2002

CMIU, MORTGAGE UNDERWRITING FOUNDATIONS, CIBC, 2008

LICENSE TO TRADE WITH MUTUAL FUNDS, Investment Fund Institute of Canada (IFIC), 2001

Technical Skills

Microsoft Office Suite (Word, Excel, PowerPoint) Coins Target Lotus Dbase

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