Corporate Relationship Manager
Sharjah Islamic Bank
مجموع سنوات الخبرة :18 years, 6 أشهر
Handling the portfolio of 35 borrowing accounts.
Dealing with clients sales turnover of AED 50 MM to 1 Billion.
Identifying and Marketing of Corporate & SME Finance business opportunities for development of Quality Credit portfolio to achieve the annual budgeted targets.
• Preparation of Credit Line Proposals and Coordinate with different levels of credit committees for approvals.
• In depth knowledge and experience of structuring of credit limits including short term lines and long term lines ensuring that the portfolio is accurately risk rated.
• Analysis of Financial Statements to assess the Financial Health of the customers.
• Monitoring the existing Credit Portfolio and ensuring that the facility terms and conditions are adhered to.
• Taking pro-active steps to ensure that the portfolio quality is within bank’s acceptable risk parameters.
• Assisting relationship managers in structuring complex transactions.
• Also performing Credit Administration tasks including preparation of documentation checklist to ensure that the credit conditions, documents, securities, mortgages, charge registration, insurance required to be obtained prior to implementation of any newly approved / renewed facilities are incorporated.
• Check all documents required to be executed by the customer, to ensure adequate protection for the bank.
• Cross-selling of the bank’s other products to corporate clients.
• Acquired and Managed SME relationships through an offering of a comprehensive range of products and services, to meet all financial needs of SME clients across industry segments. The role included;
• Soliciting new relationships to build the Corporate Portfolio by building long term relationships founded on efficient and reliable support for customer's business.
• Responsible for business development among both existing and new customers by regular follow up with clients to maximum facility utilization with prime objective of increasing bank's wallet share.
• Extensive liaison with key decision makers of the bank's clients, internal sources like other functions of the bank, branch management and with external sources like legal counsels, agents, consultants etc, regarding various issues pertaining to the day to day operations of the position.
• Review credit expiries and prepare credit proposals with recommendations to approving authorities to ensure timely renewal of facilities.
• Monitor and ensure compliance with approval terms and conditions and other commitments pertaining to security documentation to minimize credit risk.
• Determine products that are most effective in meeting customer's requirements and managing quality of operational service.
• Co-ordinate introduction to and from other areas of the Bank and identify opportunities for cross selling of banks products.
• Handling Branch walk -in customers focusing on servicing, up selling of Liabilities and cross sell of SME products ( Business Loan, Business Credit cards and CASA etc)
• Support branches in achieving SME business plan and day to day SME sales and services.
Barclays Bank PLC
Dubai U.A.E
Since July 2007 to May 2010.
Sr. Personal Financial Advisor (Consumer Banking)
• Acquired SME Customers through an offering of a comprehensive range of products and services, to meet all financial needs of SME clients across industry segments.
• Adhere to all policies with regard to KYC/AML as set out by the bank from time to time
• Update Line manager on daily business activity for better controls on sales and services
• selling of consumer banking products
• Analysis of financial statements submitted by the client using the spreadsheet and stating independent views on the financial affairs of the company.
• Preparation of credit proposals and submissions to the Head Office for the sanction/approval.
• To achieve enhanced profitability and improve operational efficiency of the portfolio.
• Maintain close contact and monitoring of all the assigned relationships and take immediate corrective steps if any weakness is observed
• Strong Experience to work with others departments of bank, Compliance and Cam.
• Maintaining daily MIS in the absence of Team Leader
• Handling the team of ten members in the absence of Team Leader.
Meezan bank
Lahore, Pakistan
Since December2005 to June 2007
Assistant Relationship Manager (Consumer Banking)
• SME Account Relationship Management for a designated portfolio of more than Rs. 10.0 Billion, while meeting the incremental Assets/Liability marketing targets.
• Management of the corporate client's entire banking needs, by coordinating amongst various segments of the bank.
• Effectively Managing the Customer Base and Achieving Volume and Revenue Targets
Across Multiple Products with Focus on Investments
• Specialized in Structured Investments, Treasury Products, Mutual and Hedge funds, regular saving plans and fixed deposits.
• Managing high net worth relationships in the regions through consultative selling and financial advising.
• Arranging requisite approvals from various authority levels by presenting detailed credit proposals specifically covering the Credit Structuring, Analysis and Administration aspects.
• MIS management for outstanding/limits/account profitability.
• Extensive liaison with key decision makers of the bank's clients, internal sources like other functions of the bank, branch management and with external sources like legal counsels, agents, consultants etc. regarding various issues pertaining to the day to day operations of the position.
• Assessing the credit requirement of the clients and arranging necessary approval from the competent authorities.
• Analyzing the financial statements of the corporate clients and assessing the financial position of the customers with concentration on liquidity and cash flows, Analyzing future financial of clients.
• Developed and proposed improvement Plans for the Management.
* Master of Commerce Specialization in finance with 71% Marks, from University of the Punjab Lahore Pakistan.
* Diploma in Information Technology 2003_2004.
* Bachelors of Commerce Major subjects, advance & cost accounting, Business finance and Economics with 68% marks from University of The Punjab Lahore, Pakistan.
* Diploma in Commerce Major subjects, Accounting, Economics and statistics with 60% marks from Punjab Technical Board Lahore, Pakistan. * Matriculation Major subjects, Physics, Chemistry, Biology and Mathematics with 58% marks from the Board of intermediate and secondary Education Lahore, Pakistan. Computer Literacy * Ms-Office, Word, Excel, Power Point.