Senior Relationship Manager
Habib Bank Ltd.
مجموع سنوات الخبرة :19 years, 11 أشهر
Solicitation of new business besides managing an existing portfolio of over AED 300M consisting of around 25 borrowing/non-borrowing relationships at Sharjah unit including names like Apparel Group, Al Safeer Group, Joy Alukkas, Hira Industries etc.
Preparation of Credit Proposals for submission to higher offices after doing comprehensive financial and business analysis for evaluation and implementation of business plans for both existing and potential clients.
Periodic calls on new and existing customers to discuss and ascertain business performance including warehouse visits, market intelligence etc.
Liaison with different departments like Risk, CAD, OPS, Trade Finance etc. to get the recommended facilities approved, sort out documentation.
Scrutiny of day to day customer transactions by obtaining clearance on same from compliance, risk, legal etc. besides managing various operational issues for clients as per requirement.
A member of Corporate-Business Enterprise Unit (Dubai & Northern Emirates) with prime responsibilities to establish and solicit new accounts besides enhancing existing relationships.
Managing 16 key relationships with a funded portfolio size in excess of AED 400 Mio with well spread customer base between manufacturing, trading, Govt. and semi-Govt entities.
Financing portfolio consists mainly of general trading limits besides project financing / CAPEX limits and a couple of syndicate transactions.
Maintained active non-borrowing relationships with other clients having solicited liabilities in excess of AED 750 Mio.
Actively involved in short to medium term corporate strategy and ensuring implementation corporate unit expansion.
Ensured clean portfolio and strict KYC and AML compliance along with maintaining strong credit discipline.
Involved in high profile transactions including Corporate Sukuks (lead arrangers and mandated lead arrangers status), local and International Syndications (structured finance).
Actively involved in preparation of credit line proposals with special emphasis on Islamic asset product structuring and credit risk assessment.
Financial spreads and analysis of various prospect clients pertaining mainly to real estate development, energy and transportation sectors.
Preparation and evaluation of credit line proposals for share financing as per Sharia requirements.
Managed a social housing project and 3 luxury housing developments in Morocco with a combined value of over US$ 200 Million. Responsibilities included cash flow management in terms of construction payments, sales forecasting / review, bank repayments, funds repatriation etc.
Managed three lease fund portfolios with a combined value of over US$ 55 Million. This involved periodic review of the portfolio in terms of performance as per agreed parameters, transfer of funds as per commitment to the fund manager and execution of monthly distributions to the clients.
Analysis and evaluation of different investment proposals pertaining to the real estate, banking and port development sectors with primarily focus on emerging markets like Morocco, Egypt, Sudan & Pakistan. This involved conducting due diligence on proposals, benchmarking proposals to internal guidelines besides making recommendations to the management committee.
Evaluating, preparing and recommending Credit Line Proposals for approval.
Documentation as per terms of approval and post disbursement monitoring of the accounts/portfolio.
Structuring the Credit Portfolio as per polices of the Head Office.
Preparing various MIS Reports for Head Office and Central Bank.
Masters of Business Administration with majors in Financial Management & International Business
Masters of Commerce with majors in Finance