Aiman Al Habib

Key Profile:
• Developing and executing a forward-looking strategic plan to advance the associations objectives and address industry challenges.
• Acting as a prominent advocate for the insurance industry, liaising with government bodies, regulatory agencies, and other stakeholders.
• Advancing strong relationships with member companies, ensuring their needs are met and that the Association serves as a valuable resource.
• Driving initiatives to enhance the insurance industrys growth, innovation, and sustainability through collaboration and knowledge-sharing.
• Ensuring that the Association and its members adhere to relevant regulatory requirements and ethical standards.
• Developing educational programs, seminars, and workshops to enhance members professional development and industry knowledge.
• Overseeing associations budget, financial sustainability, and resource allocation to support its initiatives efectively.
• Collaborating with other industry associations, both nationally and internationally, to promote best practices and strengthen the insurance sector.
• Providing regular reports to the associations Board of Directors, conveying progress, challenges, and opportunities.

- Developing and executing a forward-looking strategic plan to advance the associations objectives and address industry challenges.
- Acting as a prominent advocate for the insurance industry, liaising with government bodies, regulatory agencies, and other stakeholders.
- Advancing strong relationships with member companies, ensuring their needs are met and that the Association serves as a valuable resource.
- Driving initiatives to enhance the insurance industrys growth, innovation, and sustainability through collaboration and knowledge-sharing.
- Ensuring that the Association and its members adhere to relevant regulatory requirements and ethical standards.
- Developing educational programs, seminars, and workshops to enhance members professional development and industry knowledge.
- Overseeing associations budget, financial sustainability, and resource allocation to support its initiatives effectively.
- Collaborating with other industry associations, both nationally and internationally, to promote best practices and strengthen the insurance sector.
- Providing regular reports to the associations Board of Directors, conveying progress, challenges, and opportunities.

- Spearheaded and actively participated in formulating the Corporate Division’s marketing strategy, business development endeavours, and projects. Developed growth-oriented strategies and performance guidelines to ensure target attainment. Established and executed compliant systems and processes for financial transactions, budgets, and contracts.
- Lead the strategic blueprint and subsequent execution for the Corporate / Leasing Division. Efficiently oversee the Corporate Business portfolio and personnel to optimize profitability and operational efficiency within defined credit parameters. Drive the Corporate Business marketing strategy, project initiatives, and business development efforts.
- Assumed responsibility for funding new accounts, cultivating business relationships, ensuring loan quality, and pioneering new products and services to enhance market share.
- Upheld adherence to internal and external regulatory mandates, maintaining ties with regulatory bodies such as the Central Bank of Oman.
- Provided expert guidance to Relationship Managers / Unit Heads to meet income and profitability targets while elevating portfolio quality. Coached, trained, and elevated the Division’s personnel to achieve professional excellence in line with customer-centric and professional objectives. Enhanced Corporate Team productivity in sourcing business, formulating proposals, and managing transactions to meet targets, and implemented safeguards for the companys interests.

Key Profile:
• Spearheaded and actively participated in formulating the Corporate Divisions marketing strategy, business development endeavours, and projects. Developed growth-oriented strategies and performance guidelines to ensure target attainment. Established and executed compliant systems and processes for financial transactions, budgets, and contracts.
• Lead the strategic blueprint and subsequent execution for the Corporate / Leasing Division. Eficiently oversee the Corporate Business portfolio and personnel to optimize profitability and operational eficiency within defined credit parameters. Drive the Corporate Business marketing strategy, project initiatives, and business development eforts.
• Assumed responsibility for funding new accounts, cultivating business relationships, ensuring loan quality, and pioneering new products and services to enhance market share.
• Upheld adherence to internal and external regulatory mandates, maintaining ties with regulatory bodies such as the Central Bank of Oman.
• Provided expert guidance to Relationship Managers / Unit Heads to meet income and profitability targets while elevating portfolio quality. Coached, trained, and elevated the Divisions personnel to achieve professional excellence in line with customer-centric and professional objectives. Enhanced Corporate Team productivity in sourcing business, formulating proposals, and managing transactions to meet targets, and implemented safeguards for the companys interests.

Key Profile:
• Formulated and executed a comprehensive strategy for Corporate Banking / Wholesale Division.
• Managed Corporate Bankings portfolio and team for maximum profitability and operational eficiency within agreed credit parameters.
• Led, directed, and actively engaged in Corporate Bankings marketing strategy, business development, projects, and initiatives.
• Ensured top-tier professional service for all Corporate Division customers, internally and externally.
• Drove new account funding, business relationships, and loan quality; innovated new products for enhanced market share.
• Cross-selling Banks full suite of products through strategic sales partnerships with developers, Employer Schemes, and new company enrolments.
• Upheld compliance with internal and external banking regulations, and fostered relationships with regulatory bodies.
• Guided Relationship Managers / Unit Heads to meet income and profitability targets while enhancing portfolio quality.
• Coached and developed Division personnel to meet strategic customer care and professionalism goals.
• Regularly reviewed Division performance with the Managing Director / Country Manager, taking necessary actions.
• Defined and implemented systems and processes for financial transactions, budgets, and contracts in alignment with regulations and policies.

Develop the overall strategy for the Corporate Banking / Wholesale Division and its execution thereafter.
Manage the Corporate Baking’s business portfolio and personnel to ensure maximum profitability and operational efficiency within the agreed credit spectrum.
Devise, direct and proactively participate in the Corporate Banking’s marketing strategy, business development initiatives, projects and efforts.
Market the service of corporate and wholesale banking and create new corporate business relationships.
Ensure optimum professional level of service is provided to all customers of the Corporate Division both internally and externally.
Responsible for funding new accounts and managing all aspects of business relationship and quality of loans & assets, develop new products and services to boost market share of the bank.
Promote and cross-sell the Bank’s full products and services by envisaging new sales & marketing tie-ups with property developers, establishing Employer Schemes with major companies, and enrolling new companies in the internal list of approved companies.
Ensure compliance with all internal and external regulatory requirements with regard to all banking activities and maintain relationships with Central Bank of Oman and other regulatory bodies.
Provide guidance to the Relationship Managers / Unit Heads to meet budgets for income and profitability at the same time maintaining and improving portfolio quality.
Coach, train and develop the Division’s personnel to a professional level of competency in a manner consistent with the Bank’s strategic objectives of customer care and professionalism.
Review regularly with the Managing Director / Country Manager the performance of the Division and take appropriate actions when deemed necessary.

Key Profile:
• Develop and follow up the banks corporate and large individual project finance loans in the Real Estate development sector in line with the Banks set strategies, goals and objectives.
• Develop the overall strategy for the Business Development Division and its execution thereafter.
• Manage the Divisions business portfolio and personnel to ensure maximum profitability and operational eficiency within the agreed credit spectrum.
• Devise, direct and proactively participate in the Divisions marketing strategy, business development initiatives, projects, and eforts.
• Ensure an optimum professional level of service is provided to all customers of the Business Development Division both internally and externally.
• Ensure compliance with all internal and external regulatory requirements with regard to all banking activities.
• Review regularly with the DGM the performance of the Division and take appropriate actions when deemed necessary.

Manage day-to-day credit requirements of a mixed portfolio of large and medium private borrowing relationships active in the industrial, construction & trading activities and public corporations’ amd high net worth individuals. The current size of the portfolio managed is RO. 40 million (USD 100m).
Analyse the companies’ Balance Sheets, Profit & Loss accounts, Cash & Funds flow statements and Project evaluations through ratio analysis and trend percentage and structuring banking facilities for optimum customer utilization and minimum risk.
Entertain the bank’s existing clients and market new corporate borrowing relationships.
Undertake site and company visits, and verify the state of projects on construction sites.
Follow up the sanctioning of credit facilities and ensuring compliance of security documentation to the terms of sanction

Key Profile:
• Marketing Assets & Liabilities: Market new businesses from existing as well as new prospective clients, plan strategies to increase business and portfolios by identification of new
businesses and negotiate structuring limits. Marketed 10 new corporate relations with assets of approx. OMR 10 million (USD. 26 million) in 2 years.
• Managing corporate relations: Responsible for managing 50 corporate relationships with a portfolio size of OMR 100 million (USD 300 million) which includes several major trading and manufacturing groups. Ensure maximum utilization of limits; enhance account profitability and maximum contribution for the growth and profits of the bank. The job includes preparation of approval advice, maintaining strict post-sanction supervision, follow-up and ensuring end use of facilities allowing credit limits/excesses within delegated powers and recommending facilities/excesses beyond powers to the approving authority.
• Risk assessment: Conduct detailed financial analysis & risk rating assessments using Moodys Financial Analyst package (FAMAS) and structure banking facilities based on minimum risk and optimum utilization.
• Ensure timely recovery of advances granted.

Analysing and selecting optimal investment opportunities for individuals and mutual funds, based on their proffered investment criteria by preparing detailed analysis and due diligence to determine the viability of such investments.
Marketing investment opportunities such as Mutual Funds, Capital Guaranteed Funds and Private Equity deals. .
In charge of analysing Joint Stock local companies’, in regard to their performance, financial standing, profitability and expected investment returns for the company’s local investment portfolio and its clients’ local investments.
Managed the capital restructuring and Rights Issue for a RO. 7.2 million poultry project. Also managed the Rights issue of National Pharmaceutical Industries SAOG.

Coordinated, managed and supervised all procedures relating to the floatation of Topaz, Fippco and BDOF at Muscat Security Market.
Liaison with MSM/MOCI for all approvals, clarifications and formalities
Was a team leader in the Client Services Division, involved in the company’s trust accounts reconciliation with the MSM.
Was in charge of developing the new IPO database and application system.

Day to day managing of corporate borrowing relationships in the industrial, construction & trading ventures.
Analysing Balance Sheets, Profit & Loss accounts, Cash & Funds flow statements and Project evaluations through ratio analysis and trend percentage.
Structuring banking facilities for optimum customer utilization and minimum risk.
Entertaining existing bank clients and marketing new relationships.
Undertaking stock and sight visits, and verifying the state of project completion and consultant reports on construction sights.
Preparing periodical credit reports for the management and the Central Bank Risk Bureau.
Sanctioning of credit facilities and ensuring compliance of security documentation to the terms of sanction

Day to day managing of corporate borrowing relationships in the industrial, construction ventures, with a major emphasis on the retail & re-exporting sector.
Responsible for analyses such financial statement as Balance Sheet, Profit & Loss accounts, Cash & Funds flow statements, Project evaluations through ratio analysis & trend percentage and preparing periodical credit reports for the management.
Maintaining the proper utilization of accounts and ensuring prompt repayments of facilities.
Sanctioning of credit facilities and ensuring compliance of security documentation to the terms of sanction

Day to day managing of corporate borrowing relationships in the industrial, construction & trading ventures.
Responsible for analyses such financial statement as Balance Sheet, Profit & Loss accounts, Cash & Funds flow statements, Project evaluations through ratio analysis & trend percentage and preparing periodical credit reports for the management.
Day to day managing of corporate borrowing accounts in the construction and trade businesses.
Was also responsible of preparing credit evaluations for credit limits for issuance of credit cards to personal and corporate clients.