Team Leader - Wholesale Banking
Meezan Bank Limited
مجموع سنوات الخبرة :20 years, 9 أشهر
Originating and Managing Key Relationships in Corporate and Investment Banking with the objective of maximising overall risk adjusted profitability and share of wallet for each name.
Leading a team to attain the objectives of the Unit in totality by developing new business, maintaining portfolio quality and regular reviews.
Mobilising of new business (both assets and liabilities) and cross sell Bank’s products.
• Working in close collaboration with the Relationship Managers with the objective to increase Islamic Banking books in terms of both revenue and assets.
• Identifying and developing new relationships for the Bank with the objective of maximizing overall risk-adjusted profitability and share of wallet for each name.
• Assisting business teams on specific transactions in terms of structuring and proper execution of deals.
• Developing innovative Islamic Finance products as per the market/client needs covering all aspects of product development from conceptualization to writing product notes and obtaining legal and Shariah approvals.
• Making joint calls with the business team to cater to the Shariah compliant business needs of the corporate clients.
• Working in close contact with the different support departments within the Bank e.g. IT, Finance, Trade, Risk, Legal etc for successful implementation of new products.
• Up-gradation of existing products to the changing requirements of the client to make them more competitive.
• As a part of wholesale banking unit the responsibilities also include working with the treasury team to develop Shariah Compliant solutions for liquidity management, hedging risk and trade solutions for the client.
• Arranging workshops for the clients to enhance the awareness of Shariah Compliant solutions available with the Bank.
• Training of Human resource within the Bank to increase the knowledge of product offerings.
• To ensure Shariah compliance is adhered at each stage of product offering
Job responsibilities broadly included:
• Managing and developing key relationships in the Corporate, Investment Banking & Financial Institutions Sector with the objective of maximizing overall risk-adjusted profitability and share of wallet for each name.
• Working in close liaison with Relationship Managers to ensure that the highest professional standards of services are provided to Bank’s corporate customers with an end to secure both new business and to deepen the existing business relationships.
• Keeping abreast of market developments to ensure proactive actions in order to maintain quality of risk in line with the Group Credit Policies & Procedures.
• Guiding Relationship Managers & Analysts in preparation of quality credit proposals, including facility structures, company analysis, industry analysis, spreads and projections.
• Liaising with Shariah department to structure new products and to restructure existing products to meet the requirements of the corporate sector.
• Instrumental in development & rollout of Shariah Compliant Export Refinance Product for Dubai Islamic Bank Pakistan Limited.
Job responsibilities broadly included:
• Developing innovative Islamic Finance products covering all aspects of product development from conceptualization to writing product notes, preparation of marketing briefs, financials and obtaining legal and Shariah approvals.
• Successfully developed and launched Shariah Compliant replacement of conventional Overdraft Product (Running Musharaka) to cater to the needs of the corporate sector.
• Successfully developed and launched Shariah Compliant alternative of Forward Cover for treasury department.
• Successfully implemented the IFAS 2 Standard requirements for the Bank as well as for the Modaraba Companies (Non Banking Financial Institutions) based in Karachi.
• Liaising with the business teams in Corporate Banking, Treasury & Investment Banking to grow Islamic banking business and revenue.
• Conceptualization, structuring and documentation of different financing products that includes, Ijarah, Tijarah, Islamic Mortgages, Istisna & Running Musharakah.
• Conducting Product analysis of the new products launched.
• Attending Shariah Board meetings for presenting Shariah related issues and proposing of potential solutions.
As a Team leader in Corporate Banking Department (South) of Meezan Bank Limited, led a team of Relationship Manager and Relationship Associate.
Job responsibilities broadly included:
• Guiding, training, developing and motivating a team of Relationship Managers
• Managing key relationships in Corporate & Financial Institutions Sector.
• Monitoring Shariah and Central Bank’s compliance.
• Preparation of quality credit proposals, which included facility structures, company analysis, industry analysis, facility review, financial analysis, spreads and projections.
Managing relationship with the existing and potential local and multinational corporate customers in Corporate Sector with a view to leveraging further business and widening the portfolio with the objective of maximizing overall customer risk adjusted profitability and share of business for each name.
Facilitated corporate clients of the pertinent branch. Managed a risk asset portfolio of existing clientele in Karachi, Faisalabad and Lahore
• Prepared Risk Approvals (RA’s), which entails a detailed risk appraisal of the proposed credit.
• Coordinated with the bank’s Documentary Credits, Operations and Treasury for ensuring smooth transaction flow in the relevant branch and ensuring Shariah Compliance at every stage
• Prepared routine monthly, quarterly, semi-annual, and annual reports as business volume information for appropriate management decision support
• Obtained comprehensive knowledge in Islamic Banking and Credit Administration documentation
• Ensured compliance of prevailing State Bank of Pakistan (S.B.P.) prudential regulations and standard operating procedures of the bank