Bilal Salman
Kuala Lumpur
Summary
Motivated and dedicated Master's degree student specializing in Islamic Finance at INCEIF University, actively pursuing opportunities for professional growth and development through internships or employment. Experienced professional with a robust background in the banking and real estate sectors, encompassing retail and small business banking, bank operations, and team management. Proven adeptness in identifying new business prospects, maintaining client relationships, and consistently meeting corporate financial targets. Possesses comprehensive expertise in sales, marketing, and credit analysis, complemented by exceptional communication, networking, organizational, problem-solving, and decision-making skills. Proficient in team supervision, training, performance enhancement, and mentorship.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Real Estate Specialist - (Remote)
Right At Home Realty, Brokerage
Toronto, Canada
10.2019 - Current
- Identify real estate market opportunities for investors.
- Conducted market research to determine competitive prices for listings.
- Analyzed financial data to assist clients in making informed decisions regarding their investments in real estate.
- Provide financial solutions to clients to meet their real estate commercial/residential market needs.
- Prepared documents such as sales agreements, leases, closing statements.
- Developed strategies for pricing properties based on local market conditions.
- Work with buyers/sellers and develop marketing plans to achieve their goals.
- Developed marketing plans to promote properties for sale or lease.
Mortgage Specialist
Bank of Montreal
Toronto, Canada
07.2019 - 01.2022
- Providing financial solutions for the clients to meet their borrowing needs
- Engage in marketing, networking, and sales
- Perform credit analysis for small businesses, self-employed individuals, and employees
- Collaborate with pre-construction developers to explore financing opportunities for clients.
- Developed and maintained relationships with customers, real estate agents, and other professionals in the industry.
- Prepared loan documents such as credit reports, income statements, appraisals, and closing statements.
- Negotiated terms and conditions of loans with borrowers based on their individual needs.
- Attended regular meetings with sales staff to discuss strategies for increasing business volume.
- Provided training sessions on loan products and services for new staff members as needed.
- Generated new business and boosted sales using extensive knowledge, target market penetration, partner relationships and customer care techniques.
Financial Services Manager
Bank of Montreal
Toronto, Canada
08.2014 - 07.2019
- Monitored daily operations of finance team members to ensure accuracy of transactions.
- Identified potential risks associated with investments or other activities that could have an impact on the organization's finances.
- Managed banking center operations and supervised service team.
- Sold consumer and small business banking products and services.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Performed internal audits of existing processes to ensure accuracy of records maintained by finance staff.
- Provide comprehensive and integrated financial solutions to clients, meeting diverse deposit, borrowing, and investment needs.
Acting Branch Manager
Doha Bank (Doha Islamic Branch)
Doha, Qatar
03.2007 - 08.2008
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Managed staff scheduling, hiring and training processes.
- Conducted regular performance reviews for all employees in the branch.
- Monitored financial performance of the branch on a monthly basis.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Analyzed data to identify trends related to products, services, customers and markets served by the branch.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Created reports summarizing operational performance metrics for senior management review.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Increased efficiency and drove branch revenue by optimizing daily operations.
- Supported outside sales force in servicing and obtaining new business.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Personal Banker/Branch Officer
Doha Bank/Islamic Window
Doha, Qatar
08.2002 - 02.2007
- Provided customer service to clients, including answering questions and resolving issues.
- Conducted account openings and closings for clients.
- Researched customer inquiries and reported findings in a timely manner.
- Performed daily balancing of cash drawer and reconciled discrepancies when necessary.
- Developed relationships with customers by providing exceptional service in order to increase sales opportunities.
- Reviewed existing accounts for accuracy of information and compliance with regulations.
- Met with customers to analyze financial needs and maximize sales opportunities.
- Partnered with loan and mortgage officers and financial advisors to provide clients with optimal financial solutions.
- Analyzed customer credit data and other financial information to identify solutions that aligned with customer needs.
- Assisted in developing marketing strategies to attract potential customers.
Education
Bachelor's degree - Business Management
DAVENPORT UNIVERSITY
08-2014
Advance Diploma - Business Administration
HUMBER COLLEGE
01.2012
Diploma - Banking and Finance
ARAB ACADEMIC FOR BANKING AND FINANCE
12.1999
Master of Science - Islamic Finance
INCEIF University
Kuala Lumpur Skills
- Business Development
- Risk Analysis
- Sales planning
- Leadership
- Real Estate Specialist
- Bank Credit Risk & Policy
- AML Anti - Money Laundering
- Market Analysis
- Marketing
- Client Relations
- Commercial Real Estate
- Real Estate License
- Mortgage Options
Certification
- Bank Credit Risk & Policy
- AML Anti - Money Laundering
- IFC Investment Funds in Canada
- Real Estate License (Certified & Registered to work as a Real Estate Specialist in Toronto, Ontario)
- Accredited Buyer's Representative (ABR)Accredited Buyer's Representative (ABR) National Association of REALTORS®
- REMIC Mortgage Agent Course
Languages
Arabic
First Language
English
Advanced (C1)
C1
Accomplishments
Conference of the Stars
Issued by BMO Financial Group · Dec 2021
Q3 Spotlight Award
Issued by BMO Financial Group · Sep 2021
Q2 Spotlight Award
Issued by BMO Financial Group · May 2020
Q4 Spotlight Award
Issued by BMO Financial Group · Nov 2018
References
References available upon request.
Timeline
Real Estate Specialist - (Remote)
Right At Home Realty, Brokerage
10.2019 - Current
Mortgage Specialist
Bank of Montreal
07.2019 - 01.2022
Financial Services Manager
Bank of Montreal
08.2014 - 07.2019
Acting Branch Manager
Doha Bank (Doha Islamic Branch)
03.2007 - 08.2008
Personal Banker/Branch Officer
Doha Bank/Islamic Window
08.2002 - 02.2007
Bachelor's degree - Business Management
DAVENPORT UNIVERSITY
Advance Diploma - Business Administration
HUMBER COLLEGE
Diploma - Banking and Finance
ARAB ACADEMIC FOR BANKING AND FINANCE
Master of Science - Islamic Finance
INCEIF University
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