Relationship Management
Al Masraf bank
Total years of experience :18 years, 8 Months
▪Manage diversified portfolio of Corporates/Mid corporates & large value HNWI with an asset size of 2Bn+, includes Term Loans, Real Estate, Projects, Trade & Working capital Financing & Restructuring.
▪ Preparation of Credit Proposals (NTBs & Renewals), handling Credit queries, Post approval security Documentations, Monitoring utilization of existing facilities, Regular interaction with clients to identify any additional finance requirement for new Projects or Enhancement with the existing limits.
▪ Assistance to an ERM for Day-to-day operational management by liaising with Inter Departments and for handling all kind of reports.
▪ Inherited a portfolio of AED 630Mn asset books, which has grown to AED 780Mn in total with more than 80% utilization rate, yields to an annual revenue of AED 54M.
▪ Broad mix of clientele of large value HNW local clients based in Sharjah and their corporate portfolios as well as Mid to Large diverse relationship with primarily RE Loans, Projects, Trade & Working capital.
▪ Portfolio mostly collateralized up to 60% with tangible collaterals in the form of Mortgage of properties, pledge of shares or cash deposit. i.e Liability to Asset ratio of 1.2:2.
▪ Successful in reducing asset mix from 70% Construction related to nearly 40% and improving.
▪ Effectively restructured few doubtful accounts with high exposure of AED 400M+,
▪ Managed a board mix of portfolio with client base ranging in annual revenue size of AED 75M - 350M.
▪ Booked new to bank asset relationships of AED 67M, Enhancement over assigned portfolio of AED 18M
and liability growth of AED 18M, contributed by FDUL and margins stipulated.
▪ Achieved revenue size of AED 5.4M from the portfolio. Was able to augment portfolio revenue from
AED 3M to AED 5.4M during the year with an average pricing maintained at 8.5%/annum.
• Effectively manage, develop and retain quality business relationship from the broad mix of asset book ranging annual revenue size within AED 50M to AED 200M.
• Assisted several SRMs during the tenor to prepare new credit proposals and conduct annual reviews and timely completion of security documentations.
• Successfully introduced various new to bank relationship with an approved limit of AED 42M, also to support in deal origination effort by managing end to end credit process within the turnaround time. Liaise with Trade, Forex, Front line operational units to facilitate timely and qualitative service in response to customer needs.
Responsible to handle a team of RO/SROs. More than 100% achievement on new client acquisition targets for Term loans, Commercial equipment financing, New CASA & Deposits.
Work closely with asset team, I have been successful in sourcing new to bank WC/Trade and Enterprise credit line relationships to the extent of AED 63M, by preparing credit proposals in order to obtain approvals and for timely execution and disbursements.
Optimize cross sale opportunities across the entire portfolio spectrum includes assets and liabilities. Providing awareness to the clients for Trade Finance solutions, Electronic Banking solutions, Cash Management solutions and Treasury business to existing and new customers.
• Provide financial Product counsel, develop proposals to meet clients financial needs and to achieve assigned targets by way of maintain positive and professional relationship with clients by ensuring the service standards of Bank are met.
• Successful in recruit and manage to a team of qualified 45 IRDA certified consultants.
• Motivate them by joining client calls to close deals to achieve assigned monthly targets, by sourcing unit linked investments and life insurance plans to High Net worth Individuals and Corporate firms. Awarded as Top Sales Manager for southern region, India with promotion 2 times consecutively.
Completed M.B.A from R.V.S-Institute of Management Studies & Research, under Bharathiyar University {0335F0120}, Coimbatore, with 70% marks. [Specialization: Marketing & Finance]
Completed B.Sc (Mathematics) from Kerala University with a First class