Institutional Senior Relationship Banker
Saudi Hollandi Bank
Total years of experience :23 years, 11 Months
• Entrusted with the responsibility of overall management of Institutional Banking Client’s Portfolio of SAR 2 Billion (USD 533 Million) comprising of 22 customers covering trading, pharmaceutical, contracting, dairy, packaging, petrochemical, automotive, heavy construction machinery and installment sales (leasing) sectors.
• Devising and effectuating strategies for achieving targets of funded / non funded revenues. Leading key initiatives to maintain minimum bench mark profitability per client above the Bank’s hurdle rate.
• Engaged in enhancing the Risk Adjusted Return on Regulatory Capital (RARORC Model) of clients in line with Bank strategy to optimize return on capital allocation through a detailed analysis of wallet size and set strategy to capture share of wallet
Saudi Hollandi Bank (SHB) is the oldest bank in KSA .Formerly ABN AMRO KSA but now a joint venture between Royal Bank of Scotland and a leading Saudi business family.
Managed institutional banking assets of US$ 670 million and managed relationships with 20 top tier Saudi institutions including one of the world’s largest petrochemical manufacturers.
Responsible for client coverage in petrochemical, food, infrastructure, public sector, health & pharmaceutical organizations.
Served as Acting Division Head for 6 months and managed a team of 3 Senior Relationship Managers.
Arranged Islamic Long Term Murabaha Facility of US$ 43 million for a pharmaceutical retailer. The transaction was the first ever Saudi Hollandi Bank transaction against shares as commodity.
Arranged and structured contract financing of US$ 215 Mln for 6 road and bridge construction projects.
Arranged and structured Islamic term financing of US$ 80 Mln for the establishment of a Greenfield hospital project. Conducted financial and legal due diligence and arranged interest rate swap.
Arranged and structured an Islamic medium term financing of US$ 46 million for establishing a Greenfield pharmaceutical manufacturing facility.
Arranged and structured a Medium Term Islamic Financing of SAR 105 million for a Liquid Packaging Unit for balance sheet restructuring. Prepared the credit approval and conducted financial and legal due diligence.
Arranged and structured an US$ 25 million asset based non recourse securitization of receivables for pharmaceutical distribution company.
Advised and arranged currency options for pharmaceutical and dairy sector clients with a notional principal of US$ 250 million.
Arranged US$ 200 million trade based facilities for 4 clients engaged in health and food sectors.
Part of Emirates NBD, a leading bank of UAE. Emirates Islamic Bank is a major player in the Islamic Banking Market in UAE.
Managed and successfully restructured financing of US$ 40 million for a steel manufacturing plant.
Arranged debt financing of US$ 32 million for expansion in capacity of a bottle manufacturing plant. Negotiated the financing agreements and project insurances. Sought internal credit approval and audited the financial model to ensure compliance with lenders’ requirements.
One of the largest commercial banks of Pakistan with Investment banking department has been awarded the largest corporate finance house award from CFA institute
Led a team of 5 relationship managers and supervised a credit portfolio of US$ 242 million. Generated yearly profit of USD 20 million from 40 corporate clients.
Member of the UBL team which advised and arranged debt financing for power project of 80 MW for a leading industrial conglomerate of Pakistan. The project cost was US$ 200 million and debt arranged was US$ 160 million.
Arranged currency swaps for 4 corporate clients over a notional principle of US$ 15 million.
Arranged project financing of US$ 10 million for establishment of a hydrogen peroxide unit. Performed the agency function and led the legal and financial due diligence process.
Arranged project financing of US$ 20 million for establishment of a state of the art spinning unit. Performed the agency function and led the legal and financial due diligence process.
Arranged project financing of US$ 15 million for establishment of one of the world’s biggest socks manufacturing units. Performed the agency function and led the legal and financial due diligence process.
⇨ Habib Bank Limited, Commercial Centre, Faisalabad, Pakistan, Relationship Manager, June 2003 to May 2004
⇨ Faysal Bank Limited - CBG, Faisalabad, Pakistan, Relationship Manager, April 2003 to May 2003
Askari Commercial Bank, Faisalabad, Pakistan, Credit Officer-Credit Department, June 2000 to March 2003
• Joined as Management Trainee in June 2000 and get 3 months Theoretical Training and 2 years job training with job rotation for 1 year in General Banking, 6 Months in Import and then in Credit Department.
• Gained significant hands-on exposure in the Credit department and managed portfolio of Rs 2.50 billion, comprising of 25 customers.
Complete Canadian Securities Course.
Passed CFA Level I in July 2014 and Candidate for CFA Level II registered for June 2014 Exams.
⇨ MBA, Finance, Quaid-i-Azam University, Islamabad, 1998
⇨ B.Com., Govt. College Of Commerce Faisalabad, 1995