Chtioui Jalal
Underwriter / International Programs of Zurich
Hello everyone,
The name is Jalal Chtioui, pursued studies, complementary courses and a career in Los Angeles – San Jose, California. USA (1999-2009).
I earned my living in the Banking Financial Services / Real estate Sales business.
I now settled back as of July 2009 in Morocco.
My first work experience dates back in 1999, in the High Tech/Semiconductor sector with Ericsson, Inc, Morgan Hill California. then joined the Financial Services and Real Estate Sales Business, Where I've acquired profound and diverse experiences in the field such:
Management of 32 Financial Sales agents and the agency`s portfolio, coordination of seminars, Developing compensation packages such as bonuses and overwrites.
Underwriting home loan guidelines (Prime& SubPrime), Refinance/Cash out.
Asset & Investment management: Multi Real Estate Portfolio Servicing, origination of Cash flow,
Debt, Asset and equity settlement: Negotiations of Mortgage Backed Securities and delinquent loan packages, Asset liquidation and Debt restructuration.
As Jan of 2010, I joined the RMAWATANYA as I broker sales account manager part of the corporate risk management division.
I am open to exchange all type of innovative ideas, conversations and specialy insurance services business opportunities.
83 contacts• Consultant in charge of corporate sales accounts: Banks, Insurance and International Firms.
Consulting and Advising businesses on adequat programs/levels, to achieve professional english linguistics.
Implementation of Geo, Direct, Mass and open house marketing to target the right clientele.
Continuously track all accounts and update the Director on sales results, account satisfaction to ensure conformity with organization's strategic plan and objectives.
Develop KPI's for evaluating the continuous performance of programs and projects.
Senior Loss Mitigator - Operations Director and Team Manager, “Collateral Relief Servicing, LLC“.*USA
2007 - 2009• Key element, launching & structuring “Loss Mitigation/Asset Recovery”, recruiting, coaching & managing “Negotiation Team” 13 agents:
Negotiate, analyze, acquire & sell on behalf of banks and investors nonperforming asset portfolios “Credit Default Swap”.
Develop negotiation techniques & training classes, advised on setting up in house system (Calyx Business point) to manage over 476 files.
Foreclosure prevention by creating “Homeownership Retention Program”, negotiating short sale delinquent mortgage accounts.
2003 - 2007Director of “Mortgage & Real Estate Management Portfolio” branch, recruiting, coaching & managing a sales force of 28 loan agents:
Responsible of setting & achieving sales goals, defining prospecting programs, monitoring the team´s budget and performances.
Instrumental in funding an average of 768 mortgage applications, propelling $870,000.00 in the branch sales commissions yearly.
Analysis of market data research to identify competitor’s core competencies, vulnerabilities, activities & capitalize on unmet clientele needs.
Excellent maintenance of client relations and retention, to maximize sales figures, foster client loyalty and insure quality service.
Corporate daily communication Reporting (between the branch and headquarters: Sales figures, files & conversation log updates).
Full-service Real Estate & Mortgage Brokerage Firm (Home Sales & Refinance transactions), Executive Loan Consultant:
Expertise in underwriting guidelines /in-house funding “Sub-Prime/Prime”, client risk assessment & lending adequate safe guards.
In depth knowledge of packaging & processing “Mortgage Backed Securities”, & liquidation to “Secondary Market”.
2002 - 2002Supervised a 12 Staff member team: Manufacturing & Testing units(Next Microchip Generation, high broadband microchips), R&D, quality assurance, daily production reporting.
1999 - 2001Manufacturing & Testing units(blue tooth technology, high broadband microchips), R&D, quality assurance,