Senior Relationship Manager
Bank Alfalah Limited
Total years of experience :18 years, 9 Months
Corporate & Investment Banking Group, Bank Al-Falah Limited:
• Responsible for managing assigned credit portfolio and marketing of financial products to existing as well as new Corporate and High Net Worth Clients.
• Responsibilities include preparing/submitting Credit Proposals on time with due focus on projected turnover, cash flows, Balance Sheet and ratio analyses over tenor of financing to determine feasibility and customer’s ability to make timely repayments and risk mitigation in terms of business, operational management and environmental factors.
• Keeping a sharp focus on regulations, industry dynamics affecting clients and analyzing clients’ banking products requirement in view of their nature, dynamics and cycle of businesses and accommodating corporate & high net worth clients accordingly.
• Ensuring optimal utilization of existing credit lines of clientele and improvement in their spreads.
• Making frequent calls to penetrate and get continuous insights of customers’ business and also marketing of treasury products to clients.
• Preparation and assessment of credit requests including excess over limits, NOCs, temporary accommodations etc.
• Responsible to ensure perfection of security structure through stock checks, factory visits, charge ranking, adherence to approvals and possession of assets etc as per requirement of the regulatory and internal policies of the bank.
• In order to ensure succession planning, I am responsible for training Relationship Manager / Associate reporting to me.
• Maintaining proper record of the clients in order to meet compliance and internal policies of the bank.
• Complete Pre/Post Approval formalities.
Corporate Relationships being handled: HUB Power Company Limited (HUBCO), ICI Pakistan Limited, Siemens Pakistan Engg. Co. Limited, Diamond International Corporation Ltd, Dostsons Cotton Mills (Pvt) Ltd, NP Cotton Mills Ltd, Mobile Zone etc.
Corporate & Investment Banking Group, Bank Al-Falah Limited:
• Responsible for managing assigned credit portfolio and marketing of financial products to existing as well as new Corporate and High Net Worth Clients.
• Responsibilities include preparing/submitting Credit Proposals on time with due focus on projected turnover, cash flows, Balance Sheet and ratio analyses over tenor of financing to determine feasibility and customer’s ability to make timely repayments and risk mitigation in terms of business, operational management and environmental factors.
• Keeping a sharp focus on regulations, industry dynamics affecting clients and analyzing clients’ banking products requirement in view of their nature, dynamics and cycle of businesses and accommodating corporate & high net worth clients accordingly.
• Ensuring optimal utilization of existing credit lines of clientele and improvement in their spreads.
• Making frequent calls to penetrate and get continuous insights of customers’ business and also marketing of treasury products to clients.
• Preparation and assessment of credit requests including excess over limits, NOCs, temporary accommodations etc.
• Responsible to ensure perfection of security structure through stock checks, factory visits, charge ranking, adherence to approvals and possession of assets etc as per requirement of the regulatory and internal policies of the bank.
• In order to ensure succession planning, I am responsible for training Relationship Associate reporting to me.
• Also responsible for preparing and reporting of consolidated monthly statements pertaining to FIM / Pledge based limits to Head Office.
• Maintaining proper record of the clients in order to meet compliance and internal policies of the bank.
Management Trainee, Corporate Banking, Financial Institutions & International Division:
• Responsible for managing relationships and marketing of financial products to Financial Institutions and Corporate Clients in the field of Insurance, Banking, DFI’s, Leasing, Modaraba, Brokerage Houses, and multinational companies.
• Concerning to international operations, also worked as RM for all foreign clients operating in Export Processing Zone Karachi.
• Participating/investing in Term Finance Certificates of Financial Institutions rated ‘A’ or above by an accredited credit rating agencies.
• Responsibilities include preparing Credit Proposals with due focus on projected turnover, cash flows, Balance Sheet and ratio analyses over tenor of financing to determine feasibility and customer’s ability to make timely repayments and risk mitigation in terms of business, operational management and environmental factors.
• Keeping a sharp focus on regulations, industry dynamics affecting clients and analyzing clients’ banking products requirement in view of their nature, dynamics and cycle of businesses and accommodating both corporate and financial institutions clients accordingly.
• Ensuring optimal utilization of existing credit lines of clientele and improvement in their spreads.
• Making frequent calls to penetrate and get continuous insights of customers’ business.
• Marketing of treasury products to clients.
• Preparation and assessment of credit requests including excess over limits, NOCs, temporary accommodations etc.
• Responsible to ensure perfection of security structure through stock checks, factory visits, charge ranking, adherence to approvals and possession of assets etc as per requirement of the regulatory and internal policies of the bank.
• In addition to lending, offered “Cash Management” products to Insurance and other institutional clients.
• Maintaining proper record of the clients in order to meet compliance and internal policies.
- Awarded with Certificate of Honors for outstanding student - Internship at Treasury Department, Habib Bank Limited, Karachi - Teacher Assistant, Accounting and Finance, SZABIST, Karachi