Zahi El Rafih

WORK HISTORY

EDUCATION

ABOUT ZAHI EL RAFIH

With over a decade of experience in banking and financial services, I empower my clients to achieve homeownership through transparent, tailored, and effective financing solutions. My approach is built on a foundation of leadership and operational excellence, having served as a Branch Manager at TD, where I led a team to #1 ranking in Alberta for key performance indicators.Throughout my career, I have been recognized as a TD Champion and TD Legend for outstanding performance and commitment to excellence. I combine this high-level strategic background with deep technical expertise in regulatory compliance and mortgage structuring.My Expertise & How I Deliver Value:Tailored Mortgage Solutions: I leverage 10+ years of banking leadership to assess complex financial profiles and structure customized mortgage plans.Proven Results: I have a track record of driving a 3% increase in annual net growth and maintaining a customer retention rate of over 90%.Operational Integrity: Supported by my Branch Compliance Officer (BCO) certification, I ensure 100% integrity across all credit and investment transactions.Bilingual Advisory: I provide full professional services in both English and Arabic, allowing me to support a diverse range of clients in reaching their property goals.Efficiency & Satisfaction: I previously improved team productivity from 83% to 103% while achieving a 100% customer satisfaction plan.I am passionate about simplifying the mortgage journey and providing the financial literacy clients need to move forward with confidence. Whether you are navigating your first home purchase or managing a complex portfolio, I am here to provide the expertise and service you deserve.