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• Managed Banking Relationships in coordination with Group Financial Controller to ensure the group achieves optimal credit facilities to drive its objectives.

• Onboarded NTBs to enhance the business in UAE region predominantly in Abu Dhabi and Free Zones for ie. KIZAD, Jabel Ali, Sharjah Free Zone.

• Negotiated pricing on our funded requirements and suggested enhancement of viable products for i.e. payroll, cash management, treasury products to optimize our cashflow and get further reduction in our pricing.

• Achieved company’s financial objectives as per the KPIs

• Developed, implemented, and maintained budgetary and resource allocation plans.

• Hedged against interest rate risk exposure for the company, concentration risk, and credit risk.
• Delegated responsibilities to the best-qualified employees and enforce all policies, procedures, standards, specifications, guidelines, training programs, and cultural values.

• Resolved internal staff conflicts efficiently and to the mutual benefit of all involved.
• Achieved the Social Media objectives and attended important exhibitions to ensure that the
company’s brand enhances.

• Meeting Financial targets as well as all assigned KPIs.

• Sourcing of new clients as well as enhancing share of wallet from the existing clients.

• For selected large exposures, assist in ensuring that CPs are properly presented and include all relevant information, and credit controls in line with the bank’s credit policy and local regulatory directives.
• Ensuring onboarding process of new clients is followed by complying with Group Operational Risk Policy, Anti-Money Laundering Prevention policy and other relevant policies

• Analyzed project cashflows and performed sensitivity analysis taking into consideration other external factors to ensure that the new projects are within the guideline of the real estate lending criteria.
• Keep informed about the Real Estate market in Abu Dhabi by identifying clusters which attract best returns in order to develop strategy of enhancing Banks asset book through generation of loans and fee income.
• Managed the existing portfolio and grew it by 20% through establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while mitigating risks to acceptable levels.

• Analyse project cash flows and financial statements of companies by drafting credit needs by applying knowledge to real tasks, considering pertinent financial details, regulatory issues, policy guidelines, resource constraints and market inefficiencies.

•Support Origination efforts by assisting the Relationship Manager to source for and negotiate potential syndicated loans in the primary & secondary market

•Develop revenue growth through generation of loans, deposits, fee income and cross-selling all applicable bank services to existing client base, and to identify and solicit bank services to non-customers.

•Liaise with clients and other departments regularly to maintain and develop the business relationship to ensure maximum satisfaction in order to create opportunities for maximizing asset and liability growth.

•Delivery of value-added financial solutions (ranging from traditional to customized products) to existing and prospective clients that will help them to enhance their business.

•Monitor product utilisation and overall performance of credit portfolio regularly and review clients’ portfolio according to the action plan endorsed by bank’s management.

Key Accomplishments:
•Reduced expired portfolio ratio from 35% to 5% by exceeding the targets set in the KPIs in year 2009/2010.

•Achieved higher cash flow share of wallet from overall portfolio against advances share of wallet by ratio of 60:40.

•Managed to restructure assets aggregate AED 500 Million to enable clients’ to repay their commitments within their financial means.

•Part of the team involved in formulating recommendations for system changes in monitoring project finance.

•Structured credit needs by applying quantitative and qualitative techniques by gathering required financial statements and support Information from reliable sources.

•Negotiated FX rates and structured treasury products to hedge against interest rate risk.

•Probe within customer base for needs and opportunities to cross-sell to other business segments.

•Prepared comprehensive, accurate and timely monthly written reports covering the financial condition and future prospects of customers with a clear and concise recommendations regarding the customer’s credit, collateral and monitoring status.

Key Accomplishments:
•Managed to increase the portfolio of the bank by gaining 100 new clients.
•Awarded a letter of appreciation for reconciling interbranch accounts.