Customer Service Sales

Ayman Mohd Salameh Salameh

Email : *************@*****.***

Mobile : 009***********// 004**********

LinkedIn Profile URL www.linkedin.com/in/aymansalameh2705

CAREER HIGHLIGHTS :

An expert Senior Client Relationship manager has a strong business sense and industry expertise and

proven ability to drive the sales process from plan to close with proven track record of success in sales and

proven excellent customer service skills, building and maintaining excellent client relationships, resolving

client queries, researching and cross-selling additional products or services that could benefit clients,

reviewing clients financial income and offering advice when necessary, compiling reports and completing

workflows within set timescales and other tasks assigned involved in account management. handle pressure

and solve problems analytically, capable of meeting deadline and managing a heavy workload, and possess

excellent organizational skills.

Areas of Expertise :

Credit Management Financial Management Account Management Risk Management -

Customer Relations Sales Management.

Work Experience :

My Working Experience in Poland :

I have an ID Card ( Resident card) and (Work Permit) so I was worked at :

Commercial Dealer ( Freelance ) ( Jordan Poland ).

April 2017 May 2018

As agent for local Polish companies which manufactured highly quality products specifications specially

Fast-moving consumer goods (FMCG) or consumer packaged goods (CPG) so my task was making

marketing connections between these companies and traders in Middle East region so I was built

relations with major companies working in (FMCG) & (CPG) sectors . these relations gave me a good

experience in pricing, negotiations and preparations to ending deals .

The Arabic Restaurant based in Piotrkowska Lodz

April 2016 March 2017

Purchasing and Sales Supervisor

Responsible for restaurant purchases, daily sales, cash closing by the end of the day and deposit the cash in

bank .

Follow-up the incoming invoices and payments for suppliers .

Make monthly financial reports such as cost, expense, and return .

coordination with accountant to provide him with invoices, payroll, expenses and revenues .

And other tasks may appear during working day.

Bank of Jordan Head Office

Aug 2007 Feb 2016

Senior Client Relationship Manager ( Team Leader) Corporate / Commercial Business

Development - (SME).

Develops and maintains long-term relationships with a growth strategy focused both on financial

gain and customer satisfaction .

Ensure the overall growth and success of an assigned portfolio by deepening relationships with

existing customers and new acquisitions.

Build and promote strong, long-lasting customer relationships by partnering with them and

understanding their needs.

Identify emerging markets and market shifts while being fully aware of new products and

competition status.

Continually partners with existing customers in order to fully understand their businesses, goals,

and challenges.

Proactively assesses client's financial needs in order to formulate a business plan and deliver an

effective solution.

Perform effective financial analysis in credit, cash flow, and collateral.

Demonstrate strong interpersonal skills and provide exceptional service throughout the client

relationship process.

Generate new business through prospecting, calling, and networking .

Manage projects within client relationships, working to carry out client goals while meeting

company goals .

Understand the client's business environment, strategies, and industry to better determine their

credit.

Responsible for the direct sales of financial products to new and existing large & small business

clients and individuals and generate sales among client accounts, including upsetting and cross-

selling .

Identifies opportunities to grow business with existing clients and coordinate with staff members

working on the same account to ensure consistent service .

Develops and executes a comprehensive relationship management and business development plan

for customers and prospects. Significant focus of Relationship Managers time is spent scheduling

business development calls, managing the customer and prospect database and direct calling on

customers and prospects .

Aim to preserve customers and renew contracts.

Monitor and assess activities with competitors to proactively satisfy and retain our clients and gain

solid knowledge of competitors.

Provide excellent service in order to maintain a positive reputation for the business .

Resolve any customer complaints in a prompt and professional manner.

Set revenue targets and then develop and execute a strategy to meet those.

Enhances and support a compliance department and organization reputation by accepting ownership

for accomplishing new and different requests; exploring opportunities to add value to job

accomplishments. (KYC ) and (AML) .

Monitors and manages existing credit relationships which includes credit renewals, reviewing and

detailed analysis of current financial statements and collateral valuations, cash flow analysis,

managing delinquencies and documentation exceptions, and covenant monitoring; compiles reports

necessary to monitor asset and credit quality and compliance with policy/regulation, and

determining appropriate action for wire transfers.

Al Etihad Bank / Head Office

Apr 2005 - Aug 2007

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Credit Relationship Manager - Corporate Banking Services.

Managing a credit portfolio consists of corporate accounts.

Preparing credit proposals and making recommendation.

Marketing issues regarding presenting bank products to new clients in order to deal with them in a

corporate perspective.

Spearheaded the development, improvement and refinement of credit policies, procedures and

strategies to enhance the company's risk management platform.

Considers both the big picture as well as the day-to-day when managing the account.

Continuous investigative and collaborative contact with customers to gather strategic information

about their business, understands their issues, uncovers unrecognized problems providing

solutions to them.

Understands the client usage of product/services and help define potential use cases or

enhancements of new products to benefit client.

Preparing market studies about various economical sectors.

Communicates potential client and/or market shifts, changes or reactions, as well as client needs

back to appropriate levels

Managing a range of complex and standard corporate accounts and attracting new corporate

business to the bank.

Ensures client derives value from enterprise-wide licenses to maintain loyalty by working closely

with the Commercial Managers, Account Associates, Customer Care and other functions, to drive

increased usage and broad adoption .

Jordan National Bank

Aug 1999 - Apr 2005

Credit Officer/ Section Head Corporate Department

Responsible for credits facilities at Facilities Department

Meeting clients to investigate and discuss feasibility.

Filling and analyzing the application and complete note (all kinds of applications) personal,

commercial (simple, complex).

Prepare the application to be executed and discount.

Dealing with all kinds of facility and its items (loans/personal and commercial) bills,

overdraft, letter of credit, and guarantees.

Calculate the interest rate on facility.

Renewal of existing facility for clients whom have limits: overdraft, bills, letter of credit and

guarantees to another year.

Monthly activity reporting

Prepare bad debt provisions

Reschedule facilities .

Education :

Master Degree in Banking & Finance/ Commercial Banking Jan, 2002 - Dec, 2004

The Arab Academy For Banking & Financial Sciences

Bachelors Economics and Political Sciences 1993 To 1997

University of Jordan

Collage of Economic and Administrative Sciences .

Certifications :

Certified Lender Business Banker (CLBB)

The Institute of Certified Bankers and the Arab Academy for Banking and Financial Science.

I have many other certifications in ( Banking finance Accounting principles Book keeping

Audit - Credit Analysis & Management - Analyzing Financial Statements - Financial Analysis &

Feasibility Studies - ) .

Memberships :

Member of The Institute of Certified Banker of the American Bankers Association (ABA)

Member of The Arab Academy for Banking and Financial Sciences .

Skill & Competencies :

Excellent communication and listening skills .

The ability to explain complex information clearly and simply .

Good sales and negotiation skills .

An interest in financial products and markets .

Good mathematical and computer skills (knowledge of word processing and spreadsheet

applications ) .

Plenty of drive, initiative and motivation .

An honest and trustworthy manner .

Attention to detail .

The ability to analyses and research information .

Knowledge of customer relationship management (CRM) practices .

Customer-oriented mindset .

Good client relationship building .

Excellent problem solving skills .

Advanced knowledge of accounting principles and practices .

Extensive knowledge of financial analysis including ratio and trend analysis and projections .

Ability to think outside the box .

Enjoy supporting others and Leadership skills .

Customer Service & Satisfaction by analyzing their needs .

Excellent in English Command (Toefl and T.W.E Test of written English + ILTES ) exams .

References: Available upon request.

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