Mustansir حوري

• Managing a portfolio of the clients handling the liabilities as well as the asset portfolio of the company.
• Prospecting and acquiring new corporate accounts, as well as maintaining and servicing existing accounts.
• Process request of Secured/Unsecured trade finance facilities for existing/ new customers, entailing structuring price, repayment schedules and securitization based on comprehensive current and projected financial analysis.
• Preparation of credit profiling for the borrowing clients for their credit needs.
• Managing the trade banking needs of customers providing solution based trade services
(clean lending facilities, collection facilities, L/C facilities, Investments etc)
• Continuous performance monitoring of accounts.

• Managing an assigned portfolio of commercial (Small and Medium businesses) clients, to retain & to grow their banking relationships in a profitable manner and in line with assigned business growth targets.
• Prospecting and acquiring new commercial clients in line with approved corporate as well as compliance strategies for Assets, liabilities, Treasury and trade sales.
• Negotiate appropriate credit lines in conformity with the Bank’s underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.
• Preparation of credit profiling for the borrowing clients for their credit needs.
• Ensure timely & accurate credit administrations through timely completion of annual reviews & regular monitoring of financials, covenants, conditions and other parameters within the review cycles.
• Consistent performance review of the portfolio and comply with internal audit requirements in line with policy guidelines, to ensure high standards of uniformity across the bank

Responsible for the growth of liabilities portfolio for the bank.

Cross selling of the Forex products and investment products to increase the revenue for the department.

Acquiring New to Bank clients for secured lending and improvise on the CASA balances in the accounts.

• Managing a team of 20 Sales Executive and conducting a performance appraisal on a monthly basis.
• Responsible for recruitment and headcount utilization.
• Conducting motivational programs like monthly contest, weekly boosters & group calls run to boost sales numbers.
• Conducting activities in malls, supermarkets for data generation.
• Review of customer’s complaints and resolving them in the stipulated TAT i.e. 24 hours.
• Conducting refresher training for the SEs and also yearly and half yearly appraisals for performance review.
• Close monitoring of the Se’s to control fraud & compliance.

• Managing an assigned portfolio of commercial (Small and Medium businesses) clients, to
retain & to grow their banking relationships in a profitable manner and in line with assigned
business growth targets.
• Prospecting and acquiring new commercial clients in line with approved corporate as well
as compliance strategies for Assets, liabilities, Treasury and trade sales.
• Negotiate appropriate credit lines in conformity with the Banks underwriting standards
and risk adjusted targets after thorough analysis of information necessary for the preparation
of a detailed credit proposal.
• Preparation of credit profiling for the borrowing clients for their credit needs.
• Ensure timely & accurate credit administrations through timely completion of annual
reviews & regular monitoring of financials, covenants, conditions and other parameters within
the review cycles.
• Consistent performance review of the portfolio and comply with internal audit
requirements in line with policy guidelines, to ensure high standards of uniformity across the
bank.

• Managing a team of 10 sales executives and monitoring the performance on a regular basis.
• Responsible for training of sales team to deliver quality service & achieve targets
• Coordinating and accompanying them on sales calls (Payroll a/c’s).
• Conducting training sessions on weekly basis.
• Handling customer’s complaints and coordinating with S & Q Dept.
• Synergizing the motivation of my people through daily huddle.

• Managing a team of 25 Sales Executive and constantly monitoring their
performance on a monthly basis.
• Responsible for recruitment and headcount utilization.
• Organizing motivational programs like monthly contest, weekly boosters & group calls run to
boost sales numbers.
• Conducting activities in malls, supermarkets for data generation.
• Review of customers complaints and resolving them in the stipulated TAT
i.e. 24 hours.
• Conducting refresher training for the sales executives and bi-yearly
appraisals for performance review.
• Close monitoring of the sales executives to control fraud & compliance.
• Managing a team of 10 sales executives and monitoring the performance on a regular basis.
• Responsible for training of sales team to deliver quality service & achieve targets
• Coordinating and accompanying them on sales calls (Payroll a/cs).
• Conducting training sessions on weekly basis.
• Handling customers complaints and coordinating with S & Q Dept.
• Synergizing the motivation of my people through daily huddle.

• Part of the sales team responsible for Credit Cards and Payroll Accounts.
• Market and list companies for Consumer Banking products.
• Responsible for marketing and sales of consumer banking products like credit cards, personal loans, bank accounts, insurance and investments in order to acquire new business to the bank.
• Working together with different departments in the bank to ensure timely delivery of services to the customers
• Institutional visits to promote sales in different government and semi-government departments.
• Provide efficient and timely service to existing clients that enable me to work on referral programs to generate new business

• Part of the sales team responsible for Credit Cards and Payroll Accounts.
• Market and list companies for Consumer Banking products.
• Responsible for marketing and sales of consumer banking products like credit cards, personal
loans, bank accounts, insurance and investments in order to acquire new business to the bank.
• Working together with different departments in the bank to ensure timely delivery of services
to the customers
• Institutional visits to promote sales in different government and semi-government
departments.
• Provide efficient and timely service to existing clients that enable me to work on referral
programs to generate new business

• Responsible for business development all over U.A.E. especially Dubai, concentrating on the liability books of the bank by identifying the corporate and high net worth customers and building excellent relationship with them.
• Responsible for deposit mobilization by opening new personal banking relationship.
• Analyze the market and find the right segment of business clients
• Provide potential clients with comprehensive knowledge of new and existing lending products such as personal loans and credit cards.

• Responsible for business development all over U.A.E. especially Dubai, concentrating on the
liability books of the bank by identifying the corporate and high net worth customers and
building excellent relationship with them.
• Responsible for deposit mobilization by opening new personal banking relationship.
• Analyze the market and find the right segment of business clients
• Provide potential clients with comprehensive knowledge of new and existing lending products
such as personal loans and credit cards.

• Providing energy efficient solution to customers (Energy efficient tube lights) and developing
strategies, marketing plans for the new-patented energy efficient T-5 retrofit tube lights
through energy saving proposal.
• Targeting mainly the industrial and the corporate clients.
• Implementing new strategies for business development.
• Appointing Authorized Retail Dealers and providing promotional support as per the company
policy.
• Providing after sales service to the client.

• Managing and servicing the existing clientele base.
• Identifying new prospects for the company.
• Coordinating with shippers, CHAs for booking of export cargo & negotiating freight rates
from liner operators