Zahed Ali Mohammed, Relationship Manager

Zahed Ali Mohammed

Relationship Manager

The National Bank of Ras Al Khaimah

Location
United Arab Emirates - Ajman
Education
Doctorate, Finance
Experience
19 years, 7 months

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Work Experience

Total years of experience :19 years, 7 months

Relationship Manager at The National Bank of Ras Al Khaimah
  • United Arab Emirates - Dubai
  • My current job since July 2013

 Portfolio Management - Commercial Banking Department (Corporate Banking)
 Manage trade finance and working capital facilities for HNW businesses
 Risk Rate corporate banking customers based on their financials and banks internal credit rating system
 Analyze the customers’ cash flows and prepare credit proposals
 Market new clients requiring Trade Finance and working capital financing facilities
 Very familiar with conventional banking products
 Conduct field visit, routine visit and regular follow up of clients and decision makers
 Peripheral Skills include sound knowledge of credit analysis and operational procedures for loading limits
 Attended training program on FINACLE application conducted by RAK Bank

Senior Manager - Corporate Relationship at Credit Risk Management Consultancy
  • United Arab Emirates - Ajman
  • March 2011 to July 2013

• Discuss potential customers’ financial needs, structure appropriate financial products, negotiate and book.
• Discuss with financial institutions on customizing financial products for healthy customers
• Head the Lead Generation Unit and Negotiations & Execution Management team
• Risk rate corporate customers on rating system and appropriate tools for financial analysis
• Manage clients’ portfolio and company relations with financial institutions, local and international
• Ensure facility repayments are made as scheduled
• Notarize and witness shipments of goods
• Maintain steady relationship with developers to generate leads and references
• Contacted around 29, 900 customers, evaluated 900+ customers and successfully closed 150+ deals so far
• Ensure the company complies with the quality certification rules and conduct internal audit, renew ISO QMS certification
• Establish and implement CRM application and clouding application (Zoho, Pimero, ACT, Sales Cloud), train employees and ensure smooth flow of data
• Trade online in commodities on behalf of customers/investors
• Offered trading and brokerage services, 24/5 Online Trading Platform to Institutional and Professionals trading in FX, Futures and Commodities
• Track record in generating trading volumes of 30 million per account per day in commodities trading
• Experience in Trading in MCX and COMEX, specialized in bullion trade
• Manage corporate accounts with CFD providers
• Provide market tips to traders on commodities

Relationship Manager at Abu Dhabi Islamic Bank
  • United Arab Emirates - Dubai
  • August 2008 to February 2011

• Risk Rating business banking customers based on their financials and required information by using tools like 6 sigma risk rating system or Moody's Risk Analysis
• Analyzing the customers' cash flows, preparing Credit Memorandum and credit proposals and comply with the Target Market and Risk Acceptance Criteria
• Marketing new clients requiring Trade Finance or working capital financing facilities whose financial health falls into investment grade category as per bank's internal financial analysis model
• Ensure loading of appropriate mix of product as per client's business requirements
• Managing portfolio of clientele i.e., businesses utilizing primarily trade finance and working capital facilities
• Very familiar with Islamic banking products
• Conducting field visit, routine visit and regular follow up of clients and decision makers
• Monitoring relationship for proactive identification of delinquency and provide timely updates to the management
• Peripheral Skills include sound knowledge of credit analysis and operational procedures for feeding limits and settlement keeping in mind the compliance requirements as well as protect the security of the bank
• Attended 6 week Core Credit Analysis Program conducted by 6 Sigma Consultancy Group on Credit Analysis and Relationship Management
• Certified Total Quality Management professional, expert level from Expert Rating
• Research the target market and participate in development of new business to the organization
• Maintaining a steady relationship with developers and Companies to generate leads and references.
• Identifying potential corporate clients and providing mutually beneficial product and service
• Assisted the senior management for the recruitment process of fresh candidates for the organization
• Maintaining relationship with various Banks and Financial institutions in the UAE and following up of the client's record with other banks

Team Leader at HSBC
  • United Arab Emirates - Dubai
  • September 2006 to August 2008

• Monitoring the team's daily activity & ensuring that they meet the allocated targets.
• Preparing spreadsheets based on the financials and analyzing customers based on the Risk Acceptance Criteria
• Visit customers as per calendar entries prepared by the CSD team & ensure effective implementation of the groups KYC & ML procedures.
• Monitor market competition and provide feedback to Manager
• Monitoring quality by regular check on Call Reports
• Monitoring effective use of STACM through contact profile, call reports, action plan & outcome of the call.
• Performance Management and Training & Development to the new and existing employees
• Developing suitable MI reports & ensuring that the MI is submitted on a daily/weekly/monthly basis as required by the Senior DFS Manager
• Assist Senior DFS MGR at all level of work to help smooth running of the department.
• Awarded twice - "Best Business Banking Advisor" for consecutive extraordinary performance in the year 2007 for 2 sets of 6 months each.
• Focused on sale and increase the account base of non-borrowing customers
• Convert appointments and other leads into successful account opening and product sales.
• Actively promote corporate products such as Credit Scoring, HSBC Islamic Banking Products (AMANAH), Business Select Package, Internet Banking, Business Telephone Banking, ATM Card and other Corporate Products relevant to the customer and refer leads to other departments.
• To do house keeping on a continuous basis. All the accounts managed by the jobholder to have complete Contact Profiles, Contact details and Call reports
• Comply with all statutory and administrations compliance requirements.

Sales Executive at CITIBANK N.A
  • United Arab Emirates - Dubai
  • August 2004 to September 2006

• Privilege of being part of a pilot team to launch Citibank's Business Banking products in the UAE and Middle East Business Market.
• Acquisition and Business Development to acquire Business Accounts in the UAE Business Market.
• Corporate Sales by offering credit facilities to small and medium size accounts.
• Applied marketing skills to increase territory sales assigned by the bank improvising productivity.
• Cultivated client relationships, increasing customer satisfaction and repeat sales to increase profit set by the management.
• Extended business facilities within the framework of unsecured exposure to high-end clients in the market.
• Evaluated businesses and recommended for short term finances to corporate customers.
• Co-ordination with Middle-management, Sales support department, Credit department and Risk management to improve sales.
• Compliance and customer satisfaction survey done on a monthly and quarterly basis to satisfy external audit.
• Actively participated on product promotion by cross sales to high-end corporate customers.
• Trained the new hires on product and process.
• Prepared Daily Team Sales Report for the Sales head and performed additional duties as assigned.

Education

Doctorate, Finance
  • at Lorenz University
  • April 2011

Correspondence course completed

Master's degree, Marketing & Human Resources
  • at Ministry of HRD
  • May 2004

Post Graduate Diploma in Business Management in Marketing and Human Resources

Bachelor's degree, Business Management
  • at Osmania University
  • January 2002

Bachelor of Commerce, Specialized in Business Management

Specialties & Skills

Customer Relationship Management
Financial Analysis
Credit Analysis
Team Management
Portfolio Management
BANKING
FINANCIAL ANALYSIS
Structuring
Negotiation
Risk Rating
Executing
Financing
Marketing
Business Development
Factoring
Banking
Training
Relationship Management
Credit Analysis
Business Banking
Commercial Banking
Customer Service
Islamic Finance
Project Finance
Research
Working Capital
Consultancy
Corporate Banking
Asset Financing
Management
Trade Finance
Portfolio Management

Languages

Hindi
Expert
Urdu
Expert
Arabic
Intermediate
English
Expert
Marathi
Intermediate
Telugu
Expert
Malayalam
Beginner

Memberships

Kyko Global GmbH
  • Consultant
  • April 2011
Casa Laxmi SA
  • Associate Board
  • January 2012
Kyko Global Inc.
  • Consultant
  • March 2011

Training and Certifications

Core Credit Program (Certificate)
Date Attended:
August 2009
Valid Until:
January 2010
ISO Internal Audit (Certificate)
Date Attended:
August 2011
Valid Until:
November 2011