iqtidar ahmed خان

• Responsible for administrate portfolio to grow and enhance quality who are engaged in various economic sectors to achieve assign annual revenue targets and budget cost allocated.
• Visit to potential NTB and attending existing clients for new business acquiring, create opportunities & strengthening existing relationships, which comes under various segments and offer core products which gives upfront income to bank. Like, FX, Investment, Insurance, secured trade, deposits and liability based products of Islamic and Conventional.
• Cross sell products like mortgage, distribution channel products, payment gateways, POS, cash management products etc.
• Handling Non Borrowing client’s annual turnover from 30 Million - 500 Million AED
• Managing Portfolio of 250 accounts with average liabilities book size of 150Million
• Report to regional area manager for day to day business activities, update new developments on cases to case basis.
• Manage existing customer portfolio assign for grow.
• Handling customer’s daily transactional, operational and services issues.
• Increase the values in terms of profitability driven relationship to bank.
• Execute the sales campaign, run customized business trends that flow from superior to grow productivity.
• Manage day to day business in line of compliance, operational, audit, risk and control to ensure all processes work smoothly.

• Responsible for establishing and administering quality credit portfolio of commercial & SME clients engaged in various economic sectors to achieve assign annual targets and budget cost allocated.
• Visit to potential and existing clients for new business opportunities & strengthening existing relationships, working with various products and services of Program Lending, Term Loans, Working Capital, Structure finance, LC, TR, and Discounting etc.
• Handling a Portfolio up to 50 M AED, with 28 borrowing clients
• Dealing with Client Turnover 10 Million - 250 Million AED
• Report to center head for day to day business activities, update new developments on cases to case basis.
• Preparation of credit line proposals and coordinate with different levels of credit committees for approvals
• Manage routine financial transactions of clients to maximum utilization of credit lines and their routine operational activities like renewal, extensions, enhancement & documentations etc.
• Manage existing customer portfolio assign by BBG Center; Increase the values in terms of profitability by utilizing limits and adding new volume to achieve and contribute on annual targets of center.
• Monitor, review and visits to reduce risk of Delinquency.
• Analysis of Financial Statements to assess the Financial Health of the customers in order to find out the exact exposure of the customers and relationship strength with existing banks in terms of short & long term borrow.
• Spread the financial at MRA to analysis financial, preparing the reports related to the customer audit financials for the last 3 years and then based on that analyzing with the projections of the coming year in order to find out the exact future profitability, effectiveness & leverage.
• Monitoring the existing Credit Portfolio and ensuring that the facility terms and conditions are adhered to.
• Taking pro-active steps to ensure that the portfolio quality is within bank’s acceptable risk parameters
• Mediator between credit, legal, CAD and SME department to negotiate and take necessary approvals.
• Perfection of credit documents checklist, securities, mortgage, insurance, to be complying all terms & condition prior to new & renewal facilities establish.
• Regular monitoring of exposure & limits of client.

ASSIGNED TO ASSETS LENDING PROGRAM:


Meeting prospective and existing customers for soliciting new business opportunities and strengthening existing relationships.
Preparing Call Reports of each visit for onward submissions and to initiate case to credit.


Revenue Generate vie SME Business Loan, Trade / Enterprise Credit Facility, Construction Heavy Equipment Finance, Industrial Machinery Finance, Medical Machinery Finance.
Understand business profile, and business process model.
Preparing proposals for prospect clients; structuring and recommending appropriate limits by evaluating past performance & future projections through analysis of financial statements and key economic indicators.
Scoring and calculation by the help of different methods to understand company financial strength.
Analysis financials, stocks, and check bank statements at certain points likewise Cheque Return, DBRs’ MUE(marginal unsecured exposure) Negative Cash Flow, etc
Proposing & drafting case opinion under supervision of RM and clarify all points by discussion.
Maintaining regular follow up with clients for update of security documents and legal mandates.
Involve till end of Disbursal and fulfilled remaining condition if required.

PREVIOUSLY ASSIGNED TO LIABILITY PRODUCTS:
Induction of new cliental portfolio of for ADCB Bank.
Daily schedule meeting with Corporate/SME Clients.
Preparing MIS of Clients and resolve day to day Business issues.
Sales bank’s liability products(Current accounts, Call Accounts) and open different categories of bank accounts(Islamic, Conventional)
Arrange services of Cash Collection to generate revenue for bank.
Trained to clients for maximum Internet Banking Services & Transactions.
Coordinate with Cash Management department for currencies exchange that generates revenue.
Cross-Sell of Liability Products for Revenue Generation likewise (Personal account, Directors Salary account, WPS), etc
Focus to increase Incremental Values of volume & Revenue.
Explore new marketing segments for revenue generating.

Induction of new cliental portfolio for Business in Mashreq Bank.
Daily schedule meeting with SME Client.
Explore new marketing segments for revenue generating.
Marketing initiatives via sources & channels.
Involving in Account Opening / Mashreq Online / Point of Sale / ATM Procedures & coordination with concerned department.
Inductions of company by bring portfolios like Payroll solution.
Coordinate with Working Capital Dept for Letter of Credit /Bank Guarantee /Trust Receipt/ Over Draft / Cheque Discounting and documentation.
Provide Telex Transfer Rate from treasury Dept.
Follow the procedures and guidelines defined in central bank SOP to checks & stop money laundering.
Cross check verification of documentation obtain from clients.
Revenue generation through volume increase.
Ensure quality services external & internal customers.

Task is to Non-Performing Loan reduction.
Manage the South team-A for NPL reduction and assign the Target to individuals.
Minutely Monitor the Branches Position through Recovered Amount by team member & by different data produce from HQ/RHQ.
Meeting/Visit/Telephonic Talk with 26 Branch Managers over the country.
Create the Competition b/w team members and morally encourage time by time for target.

on Liability, Secured Assets and NPL Recovery of representative Branch at branch network.

NPL RECOVERY RESPONSIBILITIES AT JAMSHEED ROAD BRANCH.
Follow-up the customers for regular footing of finance dues.
Trace the default customers through their given particulars.
Correction of figures error, if found with the concerned department.
Daily reporting of individual cases progress.
Working on 30, 60 and 90 day for collection and coordinate with legal & fraud department if any suspicion fact found in given particulars.

SECURED ASSETS RESPONSIBILITIES AT SIR SYED ROAD BRANCH.
Provide the awareness about the Product with comparison of market competitors’ offered to existing & new customer.
Involving in Application processing & documentation.
Interdepartmental coordination and ensure all required fulfilled & all procedures are running smoothly.

LIABILITY RESPONSIBILITIES AT SIR SYED ROAD BRANCH.
Involving in Account Opening Procedures, Database generation in central system of bank “MISYS” & Keep Backup for amendment, ATM Debt Card / PIN issues, Verification & coordination with concerned department regarding the issues of ATM transactions.
Cheque Book processing / issuing.
Keep follow-ups of customers quires, inquires, Account management as per defined criteria.
Keep update with internal circulars and Central Bank Regulation specially AML.
Marketing initiatives & offering Fix Deposit product & Cross Sell, offered by Habib Bank Ltd.
Manage portfolio, Achieve own targets and branch targets of deposits by corporate deals with government & semi governments body and MNC.
Provide Payroll solution, prepare costing and cross selling products.
Ensure quality services external & internal customers.