Senior Relationship Manager Corporate
National Bank of Oman
مجموع سنوات الخبرة :22 years, 1 أشهر
I joined National Bank Of Oman, Corporate Banking, a leading bank in Oman as Senior Corporate Relationship Manager, in 02/2016. I worked with Corporate Clients.
I worked at Corporate department and managing advances portfolio for maximization of profitability along with addition in volume of deposit & foreign trade business. Our advances portfolio is diversified in Corporate/Commercial segments and relationships operate in various industries including chemicals, steel, real estate, logistics, construction & merchandising.
•Managing a team of marketing and sales for achieving increased growth & bottom-line profitability and initiating market development efforts in industry like manufacturing, Education, health, trading and projects, etc.
•Selecting credit clientele in Corporate sector, in accordance with Central Bank’s regulations, Bank’s credit policy & credit marketing plan.
•Retaining the clients through extending excellent customized services and marketing the new clients for growth in Asset base, Deposits and Foreign Trade business of Bank.
•Identifying financing needs, including working capital, project finance and trade finance. Vast experience in contracting business.
•Maintaining records and conducting detailed financials (through spread sheets & score cards) and qualitative analysis of potential borrowers to assess credit worthiness.
•Negotiating loan pricing & securities/collaterals against proposed financing facilities according to customers profile, risk appetite and competition.
•Drafting credit proposals and tracking through a follow up until sanctioned.
•Ensuring timely disbursements of sanctioned credit facilities through proper credit documentation and liaison with Credit Administrative Department.
•Making frequent client calls to ensure and monitor optimum utilization of extended financing facilities and business activity and for maximization of business share for my bank.
•Develop optimal Remedial Plans for complex non-performing corporate or consumer financings, after careful evaluation of the account conduct, documentation, client’s profile, collateral, securities, financials and cash flow projections, operational aspects concerning security documentation and related concerns Branches/Areas.
•Conducting regular risk profiling of borrowers through reviewing client’s repayment behavior, account turn over, security perfection and business reciprocity in line with industry and market situation to avoid any addition in nonperforming / low yielding assets at an early stage.
•Maintaining close liaison with other financial institutions & related parties through effective social networking.
•Preparation of various credit related reports & MIS for review by the higher management.
•Leading, managing & monitoring the performance of team members to ensure efficiency in business operations & meeting of revenue targets assigned to credit department & branches.
•Supervision of credit operations transactions being performed at branches.
•Supporting and timely inputs to bank staff, trade desk officers and controlling offices for helping leverage existing relationship with the client and bringing additional business.
•To review Credit Line Recommendations of allocated Areas/Segments to ensure conformity with Bank’s policy & identify potential credit problems/deviations.
•Ensures that bank’s credit policy and all regulatory requirements are being followed at the time of sanction /renewal. Suggest, complement and help in devising and improving policy and Adherence & implementation of all related Prudential Regulations and Institutional Risk Management policies.
•Provides an ongoing assessment of credit risks in the product and portfolio strategies.
•Advises credit and loan personnel on the Bank’s overall lending policy, keeping in mind significant market trends.
•Recommends credit limits and authorizes credit risk exposures up to allocated limits of authority.
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Duties as Relationship Manager Wholesale Banking Department to deal Corporate and SME clients for the time frame 07/2012 to date
• End-to-end disbursal of Bank Facilities to clients - solicitation, financial, Credit, performance, Security and risk analysis & preparation and approval of credit package. Complete knowledge of policy and procedures for SME and corporate Banking products.
• Developing and managing (mainly Project Finance) lending activities in the Bank by identifying customers within the limits of the bank’s defined target market and Risk Acceptance Criteria and ensuring maximum profitability.
• Coordination with bank Branches, liaising with requirements of clients of the respective branches; preparing branches’ customers proposals, whenever required.
• Implement efficient portfolio monitoring techniques to proactively retain clients and identify early problem assets. Well-informed of the Islamic banking relationship structure, industry practices and regulations.
• Plan ongoing client strategies to minimize various types of risks while maximizing value, flexibility and leverage.
• Strong interaction with other internal departments of bank like Risk Management, Execution Department, Trade Finance/Operations, Retails.
• To participate in activities relating to product development & service offering for SME and Corporate Banking.
• Relationship with clients for documents, timely recovery of past dues and introduction of new bank products with a sense of realization that bank is always with them as financial service provider/consultant.
1-End-to-end disbursal of Facilities to clients - solicitation, financial, Credit, performance, Security and risk analysis & preparation and approval of credit package, especially for big contract specific projects. Prepared policy and procedures for corporate and SME Banking.
2-Developing and managing Corporate (mainly Project Finance) lending activities in the Bank by identifying customers within the limits of the bank’s defined target market & Risk Acceptance Criteria & ensuring maximum profitability.
3-Implement efficient portfolio monitoring techniques to proactively retain clients & identify early problem assets.
4-Plan ongoing client strategies to minimize various types of risks while maximizing value, flexibility & leverage.
5-Strong interaction with other internal departments of bank like Risk Management, Execution Department, Trade Finance/Operations, Retails.
6-To participate in activities relating to product development & service offering for Corporate Banking.
6-Maintaining ticklers for due/overdue renewals of credit facilities & expiry of documentation & insurance policies.
7-Plan & manage rescheduling/restructuring of problematic clients, stuck up portfolio under loan remission and relief policy of the Bank in line with the cash flow of the clients.
8-Liaising with the IT department for the customization of core banking application to meet the requirements in compliance with the Bank Manual guidelines.
9-Liaise with Operations Department for proper feeding and updating of limits.
10-Marketed & processed facility proposals especially products like Ijara, Morabaha, Istisna’a, Mudaraba and L/Cs & L/Gs and completion of security documents.
11-Conducted Verification of Sponsor(s), guarantor(s), books of accounts and evaluation of the collateral.
12-Coordination with Internal & External Engineers for valuation of properties, machineries and equipment.
13-Relationship with clients for documents, recovery of past dues & introduction of new bank products.
•Reviewing Simplified/Standard Credit Application (SCA) before it is circulated for approval to ensure Standard Line Description, Security Description and compliance with Risk Management Prudential Regulations as notified by the State Bank of Pakistan or local Central Bank
•Ensuring that any deviations in Credit Application packages are highlighted and corrected by the Relationship/Business Units
•Selecting the appropriate Credit Committee Tier for required approval of the SCA, and further routing of the SCA
•Ensuring adherence to covenants of the approved SCA and updating the database accordingly. The Relationship/Business Units are to be informed of the approval and covenants accordingly
•Preparing investment banking documents and nominating legal counsel to resolve any legal opinion issues
•Administering the Classified Credit Reports for appropriate approvals and implementation of recommended action plans
•Maintaining ticklers for due/overdue renewals of credit facilities and expiry of documentation and insurance policies
•Preparing Past Due Obligation / Non-Accrual reports for circulation to senior management
•Generating portfolio and other MIS reports, when required.
•Following up credit maintenance requirements e.g. call reports, Cash Finance cleanup, stock reports, valid valuation reports, inspections and control of pledged/hypothecated inventories either through bank’s staff or outsourcing, i.e. Watchmen/Security Guards/mucaddums
•Issuance of Disbursement Authorization Certificates and input of approved limits, Drawing Power Limits, mark up, issuance of delivery orders for customers parked at credit handling branches where Regional Credit Administration Division is located
•Liaise with Operations Department for proper feeding and updating of limits and profit/markup rates as well as verification of accuracy of data input by operations on behalf of Regional Credit Administration Division.
•Liaise with local legal counsel retainers for legal opinions.
•Reporting to Executive Vice President assisting in evaluating, controlling and monitoring of Credit / Advances Portfolio with thorough financial analysis.
•Marketed & processed proposals of Term Finance, Machinery, Equipment & Auto/Commercial vehicles leasing & Morabaha of corporate and SME clients.
•Supervised Relationship Officers in marketing & processing of proposals of Term finance, Asset leasing and Morabaha.
• Made strategies to achieve credit and recovery targets of seven branches.
•Conducted Verification of Sponsor(s), guarantor(s), books of accounts and evaluation of the collateral.
•Responsible for credit Administration matters i-e mortgage/lien of collateral and scrutiny of documents.
•Supervised and coordinated with legal advisors in matters of mortgage, lien, GPA and redemption in respect of land and building.
•Coordinated with Motor Registration Authority for transfer of title of leased vehicles.
•Coordinated with Original Equipment Manufacturers to book for lease of new vehicles.
•Coordinated with CAD officers in preparation of security documents.
•Processed rescheduling proposals of special assets as Manager Assets Management (additional assignment).
•Supervised legal advisors of the banks for filing of recovery suits. Supervised returns for the bank Management and SBP.
•Identify staff for hiring/promotions at the Corporate & Finance Department as per the hiring policies of the Bank
•Set overall objectives for the staff and Recommend development of training programs for all officers involved in the Credit finance operations of the bank.
•Supervise branches in respect of Financial, performance and credit risk analysis & risk management.
•Supervise and monitor rectification of discrepancies, errors & objections pointed out by State Bank of Pakistan/Internal & External Audit reports.
•Plan and manage rescheduling of problematic clients, stuck up portfolio under loan remission & relief policy of the Bank in line with the cash flow of the clients.
•Supervised Relationship Officers in marketing, processing of proposals of Corporate & SME credit facilities of Working Capital Finance, Term Finance, Machinery, Equipment & Auto/Commercial vehicles leasing & SME clients.
•End-to-end disbursal of Facilities to clients - solicitation, financial and risk analysis and preparation and approval of credit package. Member Area Office Credit Committee with the power to sanction loans Pak Rs.300, 000/-.
•Made strategies to achieve credit and recovery targets of ten branches.
•Conducted Verification of Sponsor(s), guarantor(s), books of accounts and evaluation of the collateral.
•Coordination with Internal & External Engineers for valuation of properties, machineries and equipments.
•Relationship with clients for documents, timely recovery of past dues and introduction of new bank products with a sense of realization that bank is always with them as financial service provider/consultant.
•Assign duties to recovery officers to handle problematic clients, stuck up portfolio; refer cases fit for litigation, liaison with legal counsel for speedy recovery, attend court hearings, refer Account cases to the office of the District Collector to recover Bank over dues under Land Revenue Act.
•Coordinate with Accounts Department for issuance of clearance letters/certificates to borrowers upon settlement of loan accounts.
•Supervise legal affairs and coordinate Bank counsels, for issuance of legal notices and preparation of recovery suits to file in appropriate courts to recover bank over dues.
•Monitor insurance of all the assets, conduct enquires, preparation of transfer deeds, receipt/release of securities/collaterals held by the bank against financing & keep them in safe custody.
•Supervise & monitor updating and maintenance of computerized record regarding remission/relief package proposals forwarded to Area/Head Office for sanction of waiver & write off of accounts come under hardship category such as Serious Illness, flood, etc.
1992–1994 Quaid-I-Azam University Islamabad • M.B.A., Grade/PercentageB/70%
1989–1991 University of the Punjab Lahore • B.Sc., Bachelor of Science. Grade/Percentage A/78%
1986-88 Board of Intermediate and Secondary Education Lahore • Intermediate Education F.Sc., Grade/Percentage A/68%
1985 Board of Intermediate and Secondary Education Lahore • Matric Grade/Percentage A /72% • Diplomas/certificates in computer software packages/Office Management.