Hussam Omar Hafez is seeking a career opportunity in a reputable organization. He has over 10 years of experience in banking, including as a relationship manager and acting branch manager at Al Baraka Banking Group and BLOM Bank. He holds a Bachelor's degree in Economics and has extensive training in areas such as trade finance, loans, and customer service. His career objective is to utilize his relationship management, retail banking, and operational skills to help organizations achieve their strategic goals.

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Hussam Omar Hafez
Contact Numbers: +97150-6341198
+97156-9311156
Email Address: hussamhafez@gmail.com
Visa Status : Residence
Career Objectives
A positive personality with hard working attitude coupled with strong Relationship Management, retail, corporate
and operational banking skills, to achieve assigned objectives that promote creative and productive organization
strategic goals. Professional in Relationship Management, Retail, corporate and operational Banking industry
seeking a challenging career advancement where all my skills can be exploited enabling me to effectively utilize my
experience, and develop my professional character.
Looking forward an opportunity in a reputable organization, adding up a new learning with success to my
professional career.
Work Experiences
Al Jaber Technical Services L.L.C. Oct. 2013 till Present
General Accountant Dubai, United Arab Emirates
As General Accountant and office Administration Manager, supporting the owners in steering the multiple
businesses owned towards more success, achieving high levels of services provided, increasing customer base and
enhancing the profitability by implementing good controlling measures and monitoring businesses running costs.
 Ensure financial records are maintained in compliance with accepted policies and procedures.
 Reconciles financial discrepancies and irregularities by collecting and analyzing account information.
 Prepare for financial audit and coordinate the audit process.
 Compile and analyze financial information to prepare financial statements including monthly and annual
accounts.
 Prepares asset, liability, and capital account entries by compiling and analyzing account information.
 Substantiates financial transactions by auditing documents.
 Secures financial information by completing data base backups.
 Prepares payments by verifying documentation, and requesting disbursements.
 Recommending new controlling measures to steer the business better.
 Exploring new business opportunities, increasing customer base.
Al Baraka Banking Group (Al Baraka Islamic Bank) Jan 2012 – till Aug 2013
Relationship Manager (Acting Branch Manager)
As Manager at Al Mazzeh Dist. Branch for all Retail and Operational Banking activities at that branch, after being as
the Assistant Manager for initial period. Managing and ensuring successfully daily business running smoothly and
volumes been handled, with high customer service level standards.

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Main responsibilities with Al Baraka Banking Group
 Participate in setting-up the business and marketing plan for our branch and ensure it been always
implemented, achieved and even exceeded by close monitoring of activities, arriving toward goals in
terms of profitability and service level.
 Increase branch customer base by attracting wealthy new prospects and offer high service level for both
existing and new ones, leveraging relationship to increase their deposits and cross-sale other banking
products.
 Managing the High Net Worth customers (HNW) of the Bank and been the first point contact for all
requirements of High Net Worth customers in the Branch.
 Increase customers total relationship balance (TRB) across liabilities and wealth management products
 Ensuring the highest levels of service to the High Net Worth customers (HNW) and Cross sell banking and
wealth management solutions.
 Deepening customer Relationship by providing financial solutions and banking services required to meet
customer’s business needs.
 Successfully created a diversified and growing portfolio of clients across various industries to balance risk
and revenue.
 Developing and maintaining customer relationship within corporate clients providing professional
financial solutions in areas of corporate lending ,Trade financing, Capital financing & Project financing
 Supervising, reviewing and authorizing all Trade Finance transactions done through branch like; Letter of
Credits or Guarantees (LC & LG), Bill discounting and Documentary Collections and Corporate Foreign
Currency exchange.
 Approve within delegation monetary and non- monetary transactions and recommend, follow up
approvals for transactions are above limits assigned.
 Do basic analysis and recommend credit facility and loans to branch customers or new to bank customers
increasing lending volume.
 Review and ensure compliance with Bank internal regulations been met by increasing the accuracy of
applications completeness and Documents quality.
 Been the first point of contact with internal audit for risk highlighted or to rectify any issue been observed
reporting back resolution and ratification process.
 Represent branch staff for HR issues and requests, coordinating the same. Also plan employees capacity,
handling any issues might accrue and monitor productivity and deliverables of each, being a
communication point with the higher management of the Bank.
 In-charge of annual performance appraisals and recommend staff promotions and employment
development.
 Present the annual budget with related estimation of Al Mazzeh Branch, in-accordance to bank overall
strategy and profitability plans.
Key Achievements with Al Baraka Banking Group
 Vast experiences in various fields, Corporate Operational, Trade Finance, Retail Banking consumer finance
and cash management.
 Played a major role in the growth of Al Mazzeh branch increasing profitability and expected income.
 Brand Ambassador for AL Baraka Bank one of the fast growing Islamic banks in domestic market.
 Ensuring sourced business quality meeting the expected pinch-mark given by Bank, with least possible
potential loses.
 Overachieved assigned target in terms of lending and deposits by 100% as well as fees and charges
income by 100%
 Increasing staff productivity which will ease achievement against given budgets and objectives.
 Branch Manager
All branch activities, wealth Management, Corporate, Retail, SME’s
 Assistant Branch Manager
Branch Activities, Retail and branch operations, In Charge of Anti Money Laundry (AML).
 Branch Operation Manager
Supervising, reviewing and authorizing all transactions.
 Senior Customer Service Manager
Branch Activities and Facilities offering (Retail & Corporate)

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BLOM BANK Nov 2005 – till Dec 2011
Acting Assistant Branch Manager
Started as Teller and developed among the employment period until the title of Acting Assistant Manager at
Kafarsousa Branch, mainly handling all operations activities and managing the High Net Worth customers (HNW).
Supporting the branch manager and deputizing him during his absent with delegated authority. Contributed
heavily into Branch growth; achieving the same with required Customer Service intensity.
 Executing approved Business Plan in-coordination with unit manager to arrive to aimed service and profit
levels.
 Acquire HNWI customers through own network and database.
 Single point contact and dedicated account manager for all requirements of High Net Worth customers
(HNW) in the Branch
 Retaining and enhancing HNW customer base and revenue generation through cross-sell of various
financial products
 Achieving the Business targets assigned in terms of cross selling, enhancing and upgrading the High Net
Worth relationships
 Responsible for the effective relationship management of a portfolio of corporate customers, existing and
new, with a view to enhancing corporate relationships
 Collecting clients’ legal as well as financial papers, analyzing their financial statements, assessing the risk
of granting them credit facilities, writing the analysis reports, and presenting them to the Credit
Committee and Board of Directors
 Manage a Corporate portfolio of borrowing relationship & develop new potential business in line with the
Bank's credit strategy.
 Supervising and reviewing all Trade Finance transactions done through Kafarsousa Branch like; Letter of
Credits or Guarantees (LC & LG), Bill discounting and Documentary Collections and Corporate Foreign
Currency exchange.
 Prepare and present bank and regulatory reports to the branch manager on daily and on-going basis.
 Managing all operations, distribute daily tasks for branch staff and direct in-charge of Tellers activities, Bill
Collections and Foreign Currencies transactions.
 Encouraging personal initiatives within a teamwork environment and high ethical standard and
recommended promotion and employment development.
 Evaluating and submitting Retail Loans application for all products (housing, Personal, and Car Loans).
 Reviewing internal auditors’ reports and working to rectify any remarks achieving substantial
improvement in results in my area primarily and on overall branch level.
Key Achievements with BLOM Bank
 Being the only Mall branch for Bank of Syria and Overseas; providing unique differentiated services with
more flexible working hours.
 Well versed in many banking aspects of Customer Service, Accounts Opening and Servicing, Cash
operation handling, Trade finance activities (DC,LC&LG), TT Transfers and foreign exchanges and Credit
assessment for loans applications.
 Gain massive experience in handling daily branch activities; by managing staff in a highly competitive
teamwork environment, with high cultural ethical standards.
 Increase branch customer base and over achieving personal and branch assigned targets.
 Successfully create a database of new high profile clients, managing their overall assets and liability
portfolio with delegated relationship management style.
 Senior Relationship officer
Wealth Management, Corporate, Retail, SME’s
 Senior Credit Officer
Analyze financial statements and prepare credit reports
 Senior Trade finance officer
Documentary Collections (DC) , Letter of credit (LC) , Letter of guarantee (LG)
 Retail Officer
Loans: Personal, Auto , Housing
 Senior Customer Service Officer
Opening Accounts, Inward Outward Transfers , checks
 Head Teller
All cash operations, Deposit, Withdrawal, Checks Payment, Checks Collection

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Syriatel Mobile Telecommunication Temp Employment Aug-Oct 2005
Customer Service Representative
Professional Career started with this temporary assignment with biggest local Mobile operator in Syria, after
number of Part-time jobs in Share and Stock trading company. Used to be a frontline customer greeting staff with
following main responsibilities:
 Receiving and addressing customer's complaints.
 Answering Customer inquiries either online or via Tele-calls.
 Telemarketing of new services and offers
 Following up on payment and collecting invoices.
Training Programs & Workshops
 Steps to BAZAR Success. AlBaraka Banking Group.
 Standard in Quality Management (ISO2008-9001) AlBaraka Banking Group.
 Letters of Guarantee & Letters of Credit. Bank of Syria and Overseas.
 Practical cases arisen on UCP 600 Bank of Syria and Overseas.
 Bank accounts held with foreign banks(Nostro & vostro) AlBaraka Banking Group.
 Rules of checks and bank bonds AlBaraka Banking Group.
 EIB Global Loans. Frankfurt school of finance & management.
 Certified Expert in SME Lending Frankfurt school of finance & management.
 Financial Analysis Bank of Syria and Overseas.
 Legal corner of Banking Operations Bank of Syria and Overseas.
 Fundamental Banking Operations European Business Center for Development & Training.
 Procedures of Disclosure Forgery Osool Training Center.
 Financial Brokerage (shares, Currencies, Margin Trading) Financial Brokerage Group.
 Customer Service Training. Syriatel Mobile Telecom.
Academic Achievements
► July 2009 Bachelor in Economics, Faculty of Economy- Open Learning, Damascus University, Damascus - Syria
► June 2002 Diploma in Commerce (Stock Exchange specialty), Commercial Intermediate Institute
(Very Good level of 82%), Damascus - Syria
Core Competencies & Key Personal Traits
 Excellent analytical, planning and negotiation skills.
 Creative, ambitious and hard working, always strive to achieve excellence.
 Excellent communication skills both in Arabic and English.
 Ability to adapt and handle work pressure with unique individuals in a diverse Environment and cultures.
 Proficient in any computer operations and able to learn quickly new technologies.
 Willing to travel for work and leisure
 Excellent interpersonal relationship skills.
Personal Details
Date of Birth : 01.01.1983
Visa Status : Residence
Status : Single Male.
Nationality : Syrian
Languages : Arabic / English
Driving License : UAE / Syrian