Relationship Manager
First Habib Bank Modaraba
مجموع سنوات الخبرة :19 years, 8 أشهر
· Reporting to the Senior Relationship Manager (Corporate Banking Group).
· Managing the portfolio to generate new business.
· Preparing Revolving Credit Limits for Corporate Accounts and their approvals from the Approving Committees.
· Managing the Corporate Accounts by preparing offers and negotiating rates for different products of Modaraba.
· Strive to introduce new business through telemarketing, random marketing strategies, meetings and references.
· Recommending credit limits for clients after conducting a detailed financial and operational analysis based on the performance of the company and prevailing conditions of the related industry.
- Making Credit Analysis of the company
- Making spreadsheets on the basis of three years financial statements of the company
- Creating Credit Profile for commercial and corporate clients
- Generating new business through refferal marketing, and cold calls
- Recovery Management for the stuck up port folios
• Reporting to the Senior Group Manager (Credit & Marketing).
• Responsible for managing overall day to day operations of the team.
• Structuring and preparing lease proposals with major emphasis on financial analysis for onward submission to the Executive Committee for approval.
Arrange and execute syndicate lease arrangements for big ticket lease transactions with other financial institutes.
• Post execution monitoring including recovery and stuck up portfolio.
• Development and close liaison with different vendors to market their products under the finance lease arrangements.
During my 2-week internship at Treasury Department of Crescent Investment Bank, I used to work in the Capital and Money Markets. This internship helped me a lot in clearing my concepts about BADLA, Musharaka, Mudarabah and Murabaha. Besides others, my major assignments included:·
1. Handling the relationships and dealings made with the Brokerage Houses.
2. Taking care of the Margin Accounts of Crescent Investment Bank at the KASB Bank.
This was a 6-week internship which provided me an opportunity to work in the Human Resource Department. This internship gave me the on hand experience regarding the making of different HR Policies including the Recruitment & Hiring Policies. Besides others, my major assignments included:
1. Developing an Employee Information System for Gul Ahmed Textiles Ltd.
2. Presentation on the topic “Who Are Your Customers”.
This 6-week internship provided me an opportunity to work for the Purchase and Planning department where I had a chance to apply my communication skills to interact with their staff sitting in Europe and India.Besides others, my major assignments included:
1. Front & Back End for their Product and Supplier Information System.
2. Attended a Presentation being delivered by the CEO of the Company.
This was a one year PGD (Post Graduate Diploma) in Islamic Banking and Finance and covered all major areas pertaining to the Shariah Compliance and prudentials. The PGD program also gave a detailed analysis of different Islamic Banking products including: Ijarah, Istisna, Salam, Musharaka, Murabaha etc.
The MBA Program covered all the business models and negotiation tactics. The business courses included Business Economics, Managerial Policy, Brand Management, Sales Management. The cummulative or CGPA of the program were 2.89. My course work included the following: 1. Presentation on “Brand Positioning.” 2. Comparative Financial Analysis of Lack son Tobacco Company Pvt. Ltd & Pakistan Tobacco Company Ltd,’04. 3. Developed a Live Case Study on Insta phone regarding their Sales Management Processes. 4. Conduct a Marketing Research on comparison of different Telecom Companies including Mobilink, Instaphone, and U-fone. 5. Review on the Autobiography of “Nelson Mandela” in Managerial Policy. Each day was tightly planned in order to meet all commitments and deadlines of the projects.
The BCS program of IBA is the cutting edge in the modern world of Computer Sciences. This helped me in gaining the inside knowledge about the computers and gave a chance to work on Programing languages like C, Java, Oracle. We also used to work on different tools like Rational Rose and XML during the Software Project Quality Management course. I also have learned how to develop the Web Sites including information about the product, suppliers etc. During my fifth semester I also won the Volley Ball Championship. My course work includes the following: 1. Advertising report on Insta X-cite, ’03. 2. Created a Web site using Microsoft Front Page as the Front End Tool for Online Flower Purchasing. 3. Software Project Plan of Online Unified Messaging System , ’03. 4. Marketing report for a product launch named ‘WART’ ,’03 5. During my internship at BASF, I developed the Product and Supplier Management System.
In my Pre-Engineering Exams, I used to have a very good record of attendance. I was a regular student. I scored an aggregate of 189 marks out of 200 in Mathematics whihc resulted in overall result of 74% marks (A Grade).
