Officer Grade 1
United Bank Limited
Total years of experience :6 years, 2 Months
• Managing a portfolio of PKR equvilant of USD 150 million approximately covering industries such as Real Estate, Logistics, FMCG, Cement, Fertilizer, Oil & Gas, Power Generation, Renewable Energy
• Developing Business from new & existing clients, through strategic penetration into identified market/sectors across the entire portfolio spectrum like assets, liabilities, and cross-sell;
• Maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth;
• Assisting the customers in carrying out daily transaction;
• Assessing business, financial & economic risks and opportunities; Preparing/executing a call program designed to evaluate risk, assess opportunities, and maximize potential to cross-sell products;
• Monitoring risk and ensuring that the Bank’s relationship strategy is in line with the Portfolio and Industry quality;
• Conducting credit and customer analyses to support ongoing relationships;
• Ensuring that the quality of the credit portfolio is maintained, by reviewing proposals, identifying and assessing all risk inherent in credit exposures. Recommending credit facilities, within prescribed limits, after a comprehensive analysis;
• Liaising with various internal departments for smooth and quick turnaround of transactions.
• Undertaking risk analysis of companies in different industries including Grain, construction, auto spare parts dealer etc;
• Preparing monthly reporting of changes in NWC via the stock monitoring report;
• Quarterly credit review with financial analysis;
• Making recommendations about procedural/policy changes;
• Assisting to enhance the quality of credit applications;
• Assessing, analysing and interpreting complicated financial information;
• Keeping company credit exposures within set risk bearing limits
• Managing daily business affairs of the clients.
Key Projects Handled
• Valuation of RBS consumer portfolio;
• Development of the tailor made Stock monitoring report;
• Development of grain receipts monitoring and valuation mechanism;
• Development of a new TMRAC form to suit the bank’s specific needs;
• Development of credit process and early recognition tools of potential loss for specific clients.
• Managed a portfolio of PKR equvilant of USD 38 million funded facility and PKR equvilant of USD 46 million non-funded facility;
• Associate of funded facility of PKR equvilant of USD 47 million and non-funded facility of PKR equvilant of USD 110 million;
• Assisted the relationship manager in managing day to day banking affairs of the clients and in conducting credit and customer analysis to support ongoing relationships;
• Carried out financial statement analysis for yearly review of the risk and credit committee of the bank;
• Assisted customers in carrying out daily transaction;
• Assisted the relationship manager in meetings with customers about new services and products
• Project Finance
• Public Private Partnership
• Financial Modelling