Relationship Manager
National Bank of Oman
Total years of experience :17 years, 6 Months
Effective management of assigned lending relationships and soliciting new business to achieve the assigned targets. Allocated portfolio is churn of business segments including Manufacturing & Trading sectors, FMCG Distribution sector and Contract Financing related to MEP, Oil & Gas, and Infrastructure Development projects.
Responsible to ensure timely processing of Credit Proposals (existing & new relationships) which includes, Structuring of Credit Limits, Financial Analysis with Moody's Spreading and Risk rating, Business model assessment with KYC / KYCC perspective, SWOT & Industry analysis with acceptable mitigants.
To coordinate internally with Risk & Compliance Department to arrange timely approvals and managing the account’s operations in all aspects i.e., responding to customer’s queries and coordinate internally with Operations, CAC & Trade Department to ensure smooth operations in line with approved terms and bank’s policy.
Ensure timely submission of periodic reviews on account performance, compliance of approved terms, updates on financed projects and financial performance of the customer.
Frequently visit the customer’s premises and project sites to envisage the business performance in line with submitted cash flows for periodic reviews.
Ensure optimal utilization of approved credit limits, supplementing the marketing efforts to augment ancillary business (Import & Export) and deposit mobilization in CASA modes from assigned portfolio. Follow up with clients for timely recovery of dues on maturity dates.
Responsible to ensure adherence of approval terms to avoid exceptions and compliance of bank’s policies to ensure good audit rating.
Primary responsibilities were processing of credit applications and structuring of credit limits in line with the bank’s policy, customer's needs with financial analysis (Moody's Spread), Industry Analysis, credit risk analysis and customer's business model analysis.
Support RM / SRMs to arrange approvals from Risk Division and liaison with client and CAC for completion of all post approval formalities to ensure timely disbursements in approved relationships.
Prepare periodic reviews to ensure better monitoring, timely recovery of utilized limits, updating management on latest account position and periodic visits to client premises.
Primary responsibilities include, managing & monitoring of diversified corporate portfolio and ensure timely processing of credit line applications and periodic reviews of corporate relationships.
Structuring of credit limits by accessing customer's needs along with financial analysis (Moody's Spread & Moody’s rating by analyzing qualitative and quantitative measures), industry analysis and business model analysis including KYC / KYCC aspects.
Assist UH / HoCB to manage the account’s operations in all aspects including but not limited to arrange timely approvals from Risk Division, periodic visits to customer’s premises to process renewal / fresh proposals, coordinate with client & CAC for completion of approval formalities and coordinate with internal departments to process operational transactions pertaining to general credit or project specific limits and trade related transactions.
Ensure optimal utilization of approved credit limits, supplementing the marketing efforts to augment ancillary business (Import & Export) and deposit mobilization in CASA modes from assigned portfolio. Follow up with clients for timely recovery of dues on due dates.
Regular monitoring of relationships, which includes; periodic reviews, financed projects monitoring, peer’s analysis, SWOT analysis and latest industry analysis.
Responsible to ensure adherence of approval terms (financial, collateral & other terms) to avoid exceptions and compliance of bank’s policies to ensure good audit rating.
Managed the diversified Islamic corporate portfolio (Assets) with a managed team of Relationship Managers. Primary responsibilities included, to generate NTB business to meet assigned yearly targets by introducing fresh corporate relationships to the bank.
Structuring of credit limits in line with Shariah guidelines by accessing the business model / customer's needs. Regular monitoring of portfolio through periodic reviews & client visits.
Responsible to ensure timely submission of credit proposals, no expired limits and timely approvals from Risk Dept. Regular follow ups with RMs, clients and CAD for adherence of approval terms, ensure optimal utilization in limits and timely recoveries on due dates.
Responsible to handle all transactions related to imports & exports (Trade finance) of corporate accounts in correspondence with Centralized Trade Department, Credit Administration Department and International Banking Division of the Bank
Compliance of bank's policies with major focus is to ensure fresh and existing disbursements in line with sharia guidelines and within regulatory requirements.
Islamic Banking Certification from NIBAF State Bank of Pakistan
Masters of Commerce with majors in Finance
Bachelors in Commerce with majors in Accounting and Commerce