KHALED QARYOUTI
DOWNEY
Summary
Interpersonal Skills: Superb bilingual communication skills, written/verbal - constantly used for presentation, coordination, team working, leading people and influencing others. Excellent ability to multitask and prioritize in fast paced environment Research and business aptitude- Effectively used for analyzing market segments, product potential, promotion, marketing and networking. Quantitative skills - Efficiently applied for forecasting, budgeting and accounting missions. Proficient in MS suites and databases. Project management, time management and negotiation skills Outstanding3rd party & Customer relationship Management. Knowledge of bank strategic vision and mission with ability to link specific department/division mission.
Overview
31
31
years of professional experience
Work History
Sr. Mortgage Loan Officer NML#2043920
CALIFORNIA PREMIER SERVICE AKA PACIFIC MORTGAGE GROUP
01.2021 - Current
- Licensed mortgage loan officer in multi states, for all residential lending programs with a proven track record of high numbers of funding
- A self sufficient clienteles and knowledge and experience of all lending programs including conventional, FHA, VA, USDA, none QM, DCSR and reverse mortgage
Mortgage Product Development Manager
NATIONAL COMMERCIAL BANK
01.2013 - 10.2020
- The Saudi Residential Finance industry went through a major transformation through the years2012 to2020, When I Joined NCB in2010 the RF had NCB maintained SAR1Billion mortgage portfolio with8th ranking in market share
- In the year2017 the Kingdom announced it's2030 vision and increasing the Home Ownership from48% to70% was one of the pillars of the vision, the Ministry of Housing launched13 initiatives in partnership with the major Saudi banks in order to establish the product programs set to enable these initiatives
- NCB's portfolio kept growing drastically to exceed SAR60 Billion by September2020 the second bank in the market share
- I had a privilege having been participated With NCB through this journey and to have worked directly with the Ministry of Housing in building such product programs
- Responsibilities
- Strong products residential finance and projects management, superior implementation and maintenance of product procedures
- Lead projects which improve product efficiency, procedure creation, and enhance servicing
- Deploy and manage product escalation protocol, Lead/attend product and partner meetings (with third parties' counterparts, as well as internal stakeholders) to ensure department is kept abreast of enhancements, pressing issues and changes as well as meeting regulatory requirements
- Excellent written, verbal, and presentation skills, strong initiative
- Reliability to effectively interface with all levels of personnel including executive management
- Approve business requirement documents (BRD) for technology product development projects on behalf of the Residential Finance Department
- Attended/ leaded on behalf of Residential Finance department the system core banking upgrade project in2014-2016
- Meet regulatory requirements by coordinating documentation and ad-hoc amendment changes of Terms and Conditions and banking and custody product applications
- Secure approvals form key stakeholders such as Legal, Compliance and VAT department Internal communication development and delivery, Training development and maintenance, to transfer success knowledge to other sales teams
Sales Support Manager
NATIONAL COMMERCIAL BANK
10.2010 - 12.2012
- Responsibilities:
- Leaded on mortgage process reengineering plan, which helped enhance various KPIs including TAT, error and rejection rate, and customers (NPS) Net Promoter Score
- Demonstrated strong proposal skills, which enhanced the smoothness, quality and speed of process
- Built the mortgage product training plan, helped design the training material, online guide, product catalogs and other product's literature
- Key player in new mortgage products roll out, designing product knowledge and communication plan, ensured full alignment with business channels, directing on drafting circulars and communications for policies and procedures and new product roll out
- Enabled generation of performance reports and dashboard for all KPIs, sales performances and incentives
- Excellent delivery on escalating all the challenges pertaining to system and other complexities impacting the sales process and customer experience
- Helped setting the tone of the day for by driving team focus and motivation to achieve goals, deliver with quality and support the front liners
- Coordinated internal and SAMA audit to assure compliance control
- Managed to establish the Retention Unit, which helped retaining10K customers
- Bridged with the product development department, by investing the feedback from the Retention Unit in enhancing existing products suites to increase sales
Home Lending Advisor NMLS ID2043920
JP MORGAN CHASE
08.2008 - 09.2010
- Responsibilities:
- Successful in originating mortgage loans from application to closing with a proven track record
- Qualify applicants for Conventional, FHA, and VA loans
- Conduct complete financial and credit analysis
- Successful in packaging loans in compliance Fannie and Freddie guidelines as well as per lender's guidelines
- High scalability of networking, computer competences, and being able to explain complex information in a simple manner
- Ability to build rapport with a wide customer base and closely monitor customer progress through loan process
- Collaborating with real estate agents and mortgage lenders, selling mortgage products, determining client needs, advising clients on the home buying process, explaining different types of mortgage, and meeting sales targets
SR. Lending Officer
JP MORGAN CHASE "HERITAGE WASHINGTON MUTUAL BANK"
08.2000 - 10.2008
- Responsibility
- Met applicants to understand their needs for all type of lending, analyzed their financial status and explained all type of products available to them
- Networked with brokers, CPAs and developers to promote our products
- Recognized and rewarded at JPM as one of the top performing officers in all type of lending; Mortgage, business and consumer lending in the high market of California for3 consecutive years
- One pf the highest in business lending in all states in2005
Letter Of Credit Officer
JORDAN KUWAIT BANK
08.1993 - 09.1997
- Responsibilities:
- Acted in charge of Issuing import and export letters of credit, notifying exporters and importers of issuance of letters of credit covering shipment of merchandise
- Built studies and financial analysis for high credit worthiness customers to obtain facilities for line of credits, and managed to attract major importers within the industrial city in Amman
- Obtained necessary information to process and complete letters of credit, verifies all documentation for accuracy and completeness, ensured all credit data is evaluated and adheres to bank policies and procedures in order to approve or deny applications
- Verified terms of credit, such as amount, insurance coverage, and shipping conditions to determine compliance with established standards, reviewed letter of credit documents to determine compliance with international standards
Education
Bachelor of Science - Accounting, Accounting / Economy
University of Jordan
02-1993
Skills
- Product Development
- Mortgage Lending
- LOAN Process emhancment
- Finance
- Team Management
- Sales & Business Development
Timeline
Sr. Mortgage Loan Officer NML#2043920
CALIFORNIA PREMIER SERVICE AKA PACIFIC MORTGAGE GROUP
01.2021 - Current
Mortgage Product Development Manager
NATIONAL COMMERCIAL BANK
01.2013 - 10.2020
Sales Support Manager
NATIONAL COMMERCIAL BANK
10.2010 - 12.2012
Home Lending Advisor NMLS ID2043920
JP MORGAN CHASE
08.2008 - 09.2010
SR. Lending Officer
JP MORGAN CHASE "HERITAGE WASHINGTON MUTUAL BANK"
08.2000 - 10.2008
Letter Of Credit Officer
JORDAN KUWAIT BANK
08.1993 - 09.1997
Bachelor of Science - Accounting, Accounting / Economy
University of Jordan
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