Akash Ghildiyal

• Handling a team of Relationship Managers and Credit Analysts, with total portfolio size of AED 2.5 billion of corporate/commercial customers.
• Provide support to Sr. Management to set strategic goals for the business and to coordinate with Relationship Managers to develop incremental business from existing customers and to add new relationships within the bank’s target market and to maintain a sound credit portfolio.
• To manage the unit effectively and efficiently ensuring timely and accurate processing of all security related transactions.
• Set, agree and measure annual targets of the team in coordination with AGM and provide professional advice, guidance, training & motivation to enhance their potential & motivation to enhance their potential & capabilities to hold higher responsibilities and conduct their performance review.

- Maintain & manage a portfolio > AED 1.5 Bln plus with existing corporate/commercial clients (which represents 21% of the loan and advance portfolio of the bank). To retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets.
- Identify, solicit and acquire new corporate/commercial clients in line with approved corporate strategies for Assets, Liabilities & Trade.
- Negotiate appropriate credit lines in conformity with the Bank’s underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.
- Making regular visits to clients for both monitoring and business generation purposes. Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner.
- Establish effective & professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.
- Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, financial covenants and other parameters within the review cycle.
- May manage a Relationship Officer. In that case, set, agree and measure annual targets in coordination with Team Leader, Corporate, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance review.
- Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank.
- Keep abreast of developments in the local business environment to spot business opportunities.
- Contribute to the planning process in order to develop corporate business strategies
- Develop a strong level of local contacts with the local business and financial institutions community.
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Key Achievements in my total tenor of 9+ years with NBQ
- Consistently achieved the targets set by Management in last 7 out of 9 years and got maximum performance bonus in these years in the bank.
- As SRM my portfolio size was AED 1.5 Bln which is around 21% of the loan and advance portfolio of the bank.
- Handling the largest asset portfolio in the entire wholesale banking group in NBQ.
- During last 9 years, got promoted 4 times because of my outstanding performance.

• Handling a team of 14 Channel Partner (DMA) and 30 Sales Executives for sales of ICICI bank - Home loans.
• Event management and relationship building with top builders in the territory.
• Cross selling of other products of the bank viz insurance, credit cards, bank account.
• Counseling and handling customer queries.
• Corporate sales, working out good sale proposal for institutions.
• Sales and Target achievements.