Assistant Relationship Manager (Corporate Banking)
United Arab bank
Total years of experience :11 years, 10 Months
Assisting AVP and SRM in handling portfolioof AED 2.5Bn including mid and large corporate clients covering Sharjah & Northern Emirates Region. Snapshot on portfolio as below:
o Clients ranging turnover of AED 50Mn to AED 250Mn with limits above AED 15Mn.
o Total 115 accounts with 65% based in Dubai & Sharjah.
Ensure portfolio growth including addition of new borrowing relationship with special focus to Sharjah & Northern Emirates region.
Responsible to manage corporate customer portfolio. Develop marketing plan &strategy implementation to maximize profitability & achieve business growth.
Preparation of credit proposals including project financing, working capital financing, real estate, Capex financing and ensure approval, documentation and feeding of limits are completed with the stipulated time frame.
Closely monitoring performance of accounts within the portfolio to detect early signs of trouble to achieve high levels of quality by minimizing defaults & provisions.
Conduct due diligence and built financial models to assess loan structure, examining cash flow, leverage, revenue, EBITDA and valuations.
Credit analysis including projection modeling on both existing and prospective corporate customer’s credit needs.
Generate financial ratios, to evaluate customers' financial status.
Plan separate recommendation on suitability of conceding credits for corporate lenders.
Conduct due diligence and built financial models to assess loan structure, examining cash flow, leverage, revenue, EBITDA and valuations
Review of legal documents and security agreements.
Understand international sales/receivables, including letters of credit, guarantees and related documentation.
Complete loan applications including credit analysis and summaries of loan requests and submit to loan committees for approval.
Ensure implementation and monitor compliance in relation to money laundering prevention (AML and KYC) as specified by group policy and standards and local regulation