Relationship Manager
Mashreq Bank
Total years of experience :28 years, 6 Months
•Managing a SME Credit portfolio of AED 500 millions which comprise 80+ small and medium scale industries
•Identifying & marketing potential customers & new business opportunities with existing clients, canvassing, interviewing & placement of prospective clients, ensuring the business growth & diversification of risk exposure of the portfolio, whilst achieving the budgeted profitability & revenue targets.
•Gathering market information, comprehensive industry analysis and comparative business, economical statistics to provide statistical directions to the bank.
•Ensure effective utilization of limits in order to maximize profitability.
•\Establish and maintain a working rapport with customers by providing expertise in identifying their financial needs and the development of bank’s products and services to fulfill these needs.
•Interpretation of financial statements, audit reports, market / industry reports & analysis of ratio, cash flow statements and recommending of credit facilities in the nature of trading, project financing, working capital financing & leasing to the management for approval.
•Maintain and manage regular contact with customers to ensure Client Due Diligence (CDD) and KYC procedures along with Business Profile is in progress and show any changes in background accordingly.
•\Coordination between various departments (Legal, credit Administration, Trade services, Treasury etc.) within the Bank to process customer requirements.
Appraising & structuring credit facilities to accommodate financial requirements of the companies, whilst evaluating the product, market feasibility, industry strength, and operational & management competencies.
Interpretation of financial statements, audit reports, market / industry reports & analysis of ratio, cash flow statements and recommending of credit facilities in the nature of trading, project financing, working capital financing & leasing to the management for approval.
Gathering market information, comprehensive industry analysis and comparative business, economical statistics to provide statistical directions to the bank.
Risk analysis of potential & existing clients to ascertain the viability of structured credit facilities, recommended to the corporate management of the bank.
Appraising & structuring credit facilities to accommodate financial requirements of the companies, whilst evaluating the product, market feasibility, industry strength, and operational & management competencies.
Interpretation of financial statements, audit reports, market / industry reports & analysis of ratio, cash flow statements and recommending of credit facilities in the nature of trading, project financing, working capital financing & leasing to the management for approval.
Gathering market information, comprehensive industry analysis and comparative business, economical statistics to provide statistical directions to the bank.
Risk analysis of potential & existing clients to ascertain the viability of structured credit facilities, recommended to the corporate management of the bank.
Managing existing credit portfolio alongside with Team Leader
Responsible for Managing a team of two support staffs.
Reporting & analyzing of Financial Reports of large blue chip corporate entities, (Ratio Analysis and Cash flow analysis.) to ascertain viability of credit proposal and recommend them for the Corporate Management of Bank.
Risk analysis of potential and existing corporate clients to ascertain the viability of structured credit facilities that are recommended to the Corporate Management of the Bank.
Graduated with the Highest Grade
Successfully completed a Mentoring Programme conducted by the employer (Sampath Bank) as a Future Credit Officer. Member of the Faculty of Trainers of Sampath bank Ltd at branch level and has under gone special skill development program. Undergone comprehensive training on ‘Credit and Relationship Management’. Successfully secured an opportunity from the selection examination to undergo a four year degree programme in management studies conducted Open University of Sri lanka