Adel Jassim Mohammed Bushlaibi

Joined as Branch Teller and worked up the hierarchy to merit promotion to the position of Manager- Retail Banking & Operations.

Designation Chronology:
Dec '08 - Apr '14: Manager- Retail Banking & Operations, Abu Dhabi Branch
Nov '01 - Dec '08: Assistant Manager, North Muharraq Branch and Diplomatic Branch
Jan '92 - Oct '01: Branch Supervisor, North Muharraq Branch
Aug '87 - Dec '91: Acting Branch Supervisor, North Muharraq Branch
Jul ' 81 - Aug '87: Branch Teller, Mina Salman Branch

Key Responsibilities:
• Successfully managed and handled the entire array of Operations, Treasury and Administration functions
Of the Branch and maintained a high and efficient customer service standards.
• Oversaw and coordinated the preparation of branch annual budgets, ensured timeliness, accuracy and consistency, analyzed variance and suggested corrective actions to the seniors.
• Administered the branch requirements and adequately ensured insurance coverage to protect the Bank from potential risk by negotiating with insurance companies for the best value.
• Ensured timely renewal of all Bank licenses including of Central Bank of UAE, Chamber of Commerce Certificate and Trade License.
• Liaised with external auditors and UAE Central Bank auditors, for smooth completion of the annual audit and prepared annual reports on audit findings from available financial information to recommend improvements in organization’s accounting and management practices.
• Monitored any unusual transaction with utmost discretion and reported money-laundering and suspected cases to the Management or UAE Central Bank.
• Responsible for safeguarding bank’s assets, interests and belongings providing best services to customers
and maintained an efficient and friendly working environment, ensured communications between all staff is productive and positive in nature.
• Maintained compliance of accounting systems including of ATM, FTS, WPS, TC/4, etc. as well as processes with regards to accounting laws and took process improvement initiatives, thus ensuring accuracy, speed and efficiency and also ensured proper maintenance of the accounting records to meet reporting requirements of the Central Bank, Local Management and Head Office.
• Led/directed the team members, conducted training and cross training thereby creating back-ups for different jobs, to induce a highly motivated workforce as well as to maintain high degree of professionalism, technical competence, commitment to institutional goals and loyalty to the Bank.

Key Responsibilities:
• Identified potential opportunities, developed strategies, policies and procedures to expand business reach and achieve organizational goals/ objectives.
• Established and implemented an active calling programme for a portfolio of HNI clients, provided the highest level of proactive customer service and consistently achieved a high level of customer satisfaction across the branch.
• Identified new product requirements and pricing changes in the market and actively promoted various products and investment advisory through mail, entertainment, meetings etc.
• Conducted market research on customers, products and competitions as well as designed competitive plans and analysis to assure attainment of the company's sales goals and revenue.
• Kept close tabs on competitor activities and devised effective marketing strategies to counter the same.
• Instrumental in executing established credit policies and procedures of the bank whilst ensuring the same is in compliance with the set standards of the bank.
• Actively participated in the personal selling of Investment Advisory Products and also ensured that all exposures of Investment Advisory customers have valid limits.

Key Responsibilities:
• Managed and supervised the whole gamut of bank operations including of retail and commercial services departments, marketing, time deposit, cash, clearing and money transfer, ensuring smooth execution of the workflow within the given time limits.
• Ensured compliance and adherence of the operation/process to the set policies and procedures are strictly followed.
• Conducted regularly audits within the department and verified the accuracy and conformance of financial transactions to prevalent company's regulations, advised or provided suggestions on lapses/discrepancies if any to the Manager- Operations and maintained records of the same.
• Established and maintained effective working relationships with clients/ customers for smooth completion of the bank operations as well as to develop new business opportunities and resolved customer complaints effectively within specified time frames if any.
• Mentored and provided necessary training to staff on latest technical developments to enrich their competencies for achieving business goals as well as to keep abreast of the competition.

Key Responsibilities:
• Superintended day to day operations/ commercial services of the branch ensuring smooth work flow within branch effectively and profitably.
• Served authority to check and sign telex payment orders, other payment orders, drafts, manager’s cheques, account opening documentation, special clearing schedules, time deposits, etc. in the absence of Customer Services Supervisor.
• Verified and maintained accurate record of customers’ financial transactions pertaining to deposits, withdrawals, bill payments and other account transactions and obtained confirmation/approval by the Operations Manager if and when required.
• Proffered excellent customer service and attended to credit inquiries for both business and customer accounts, streamlined routine account adjustments including monetary and non monetary transactions.
• Ensured clear communication pertaining to service terms and conditions, assured confidentiality and followed up on complaints to prevent escalations and legal implications.
• Responded and catered to all telephone and face-to-face customer enquiries to ensure optimal levels of service and long term business relations.
• Made sure adherence to all tactical service routines, best practices processes and procedures on all administrative and operational activities within the branch.
• Established a professional rapport with the clients as well as other banks and also managed banking facilities including of bank guarantee, letter of credit, loans and collections etc.
• Prepared necessary reports including of audit, work status etc. and submitted the same to the Manager Operations and also provided suggestions/rectification if any discrepancies found.