Kholoud Alarid

Customer service, Banker, Analyst

I spent the first four years of my career as a Senior Customer Service Officer in one of the leading banks in Jordan, after that I got promoted to Strategic Planning Officer then to Credit Analyst. I moved to UAE in 2015 then I decided to focus my career path in the customer service field since it’s been always my passion to interact and communicate with customers. I have proven records in achieving and exceeding targets and goals while maintaining and building good relationships with internal and external customers.

Last Resume Update May 7, 2019
Address Dubai, United Arab Emirates
E-mail [email protected]
Phone Number +971553750551

Experience

Emirates National Bank of Dubai
Senior Customer Service
Sep 2018 - Current

 Being responsible of the following:
• Respond to high segments critical inbound calls (priority, business, VIP, and private banking) and provide an excellent customer experience in each call.
• Follow up and escalate cases to various departments to ensure all cases resolved within time.
• Provide detailed and advanced assistance regarding the bank’s products and processes.
• Initiate call-outs pertaining to customer satisfaction and first call resolution to better the future service.
• Achieve maximum satisfaction rate as per the monthly KPI grid.
• Provide financial solutions by offering bank’s products and features to the customers.
• Work within a team showing an advanced team player skills which will help achieving the team’s monthly target.
• Coordinate with area managers, relationship managers, and other teams to resolve long standing queries.

Dubli
Customer Service Agent
Jan 2017 - Sep 2018

 Being responsible of the following:
• Explain the organization’s products, services, and details of the organization’s technology to internal and external customers by way of telephone communication and heavy electronic mail communication.
• Handle complaints while maintaining a professional, friendly demeanor and satisfying inquiries of the customer(s), exceeding the expectations of each customer.
• Extensive knowledge of the company and services provided in order to respond to inquiries.
• Understanding the intricacies of the company’s technologies.
• Properly and accurately communicating and documenting the needs and concerns of the customer.
 Key Achievements:
• Within only the first six months of joining the company I became number one agent worldwide in successfully resolving customers issues and fulfilling their requests (based on the reports generated by our Zendesk ticketing system).

Abu Dhabi Commercial Bank
Project Operations Officer
Aug 2016 - Dec 2016

• 5 Months Project

The Housing Bank for Trade and Finance
Credit Analyst
May 2014 - Sep 2015

 Main Duties and Responsibilities:
• Assess the credit memo provided by the RM and make sure it is accurate and supported by required documents.
• Assess the credit process and analyze the qualification and solvency of the finance seeker, and the cash flows and the economic feasibility of projects to be financed in a neutral manner that would help the credit committee in decision-making.
• Ensure that the credit study comply with work procedures and policies of the bank.
• Assess financial risks, market risks, and management risks through the results of Moody’s, identify deviations and positive or negative indicators, and comment on them in a neutral manner.
• Clarify and identify weaknesses corresponding strengths in the financial and credit process and justifications for recommendations submitted to credit committees.
• Conduct market research and collect economic and financial data needed and reflect the results of the initial collection, then provide the recommendations to inform the credit committees.
 Key Achievements:
• Played a major role during implementation and testing phases of CLOS (Commercial Loans Origination System), which is a new system that was built to reduce time for the credit process and invent a paperless environment. Plus, I conducted training sessions for the bank employees on how to use the system.

The Housing Bank for Trade and Finance
Strategic Planning Officer
Feb 2012 - Nov 2013

 Main Duties and Responsibilities:
• Collect and analyze data required for the strategic planning process, in order to provide management with needed information for identifying future strategic directions.
• Take part in process, to identify the internal strengths and weaknesses and external opportunities and threats for the bank’s sectors and work centers (SWOT analysis).
• Take part in the preparation of the bank’s overall plan, to be adopted by the board of directors.
• Prepare operational plans for the departments and ensure their coherence with the bank’s overall strategic plan.
• Monitor the performance of sectors to ensure achievement of the objectives and submit the quarterly performance report.
• Take part in the suggestion of correctional plans and programs.
• Keep up to date on research and studies pertaining to strategic planning.
 Key Achievements:
• I was a member of the team who built the 3 years strategic plan for the housing bank for the period of 2013-2016.

The Housing Bank for Trade and Finance
Senior Customer Service Officer
Jan 2008 - Feb 2012

 Main Duties and Responsibilities:
• Meet the annual target by selling and cross-selling the bank’s services and products.
• Contact customers through different channels (phone, email, and face to face) for marketing purpose.
• Handling customer’s issues and complaints, and go through the escalation process if needed.
• Studying and analyzing the customer's financial situation for loans approval.
• Issuing and following up Letter of Credit (L/C) and Letter of Guarantee (L/G).
• Ordering and solving issues related to cards (credit, debit, and prepaid).
• Follow up customers for installments.
 Key Achievements:
• Achieved and exceeded annual sales target for years 2008, 2009, 2010, and 2011.
• Our branch was awarded for being one of the top 3 branches in sales achievement and customer service performance for the year 2009 competing with around 120 branches.

Peace Corps
Language and Culture Facilitator
Jun 2007 - Sep 2007

 Main Duties and Responsibilities:
• Designing, using language-learning techniques, and preparing instructional teaching aids for Arabic classes of five adult American Peace Corps Trainees.
• Serving as a language and cultural resource and interacting with trainees and Jordanian host families in villages and facilitate communication.

Education

The Hashemite University
Bachelor in Financial Economics
Sep 2003 - Jun 2007

I was listed on the "List of Outstanding Students" of the university.

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