Relationship Officer
Meezan Bank Limited
Total years of experience :14 years, 5 Months
Conducting credit sale, leveraging on Islamic product capabilities to deliver Shariah compliant customized financial solutions to varied customer requirements.
• Leading Commercial Hub with prime responsibility of effectively managing credit portfolio, comprising of 25 clients across SME, Commercial and Corporate business boundaries from diverse industries i.e. Auto & Allied, Construction, Consumer Staples, Engineering, Food & Beverage, Textiles, and Trading & Distribution.
• Directly in charge for soliciting new business with special focus on relationships generating higher return. Responsible for augmenting Fund based portfolio by 250%; generating substantial year-on-year growth in revenue.
• Responsible for making credit recommendations, evaluating credit worthiness of existing and new-to-bank clients through financial, risk and industry analysis, carrying out detailed collateral assessment and effectively structuring various Shariah compliant financing products for meeting complex needs of the clients.
• Directly responsible for execution of import and export business. Presently handling trade volume of more than PKR 1 B (USD 11 M Approx.); yielding healthy commission based income while successfully increased year-on year earnings from guarantee portfolio by 75% mainly through booking of new clients.
• Acting as a primary point of contact between Bank and the customers, ensuring superior service by quick delivery of disbursements while strictly complying with Shariah and regulatory requirements.
• Keeping close liaison with other segments within the Bank, especially Risk Management, Credit Administration, Trade Finance, Treasury, Financial Institutions, Legal and Shariah Compliance Department for carrying out day to day transactions.
• Interned in Corporate & Investment Banking Group with prime responsibility of co-managing credit portfolio, comprising of 15 corporate clients from various industry segments i.e. Construction, Engineering, Healthcare, Power and Textiles.
• Successfully performed range of tasks relating to assigned relationships i.e. prepared credit proposals, carried out detailed financial and risk analysis, conducted in-depth market checks and effectively structured credit limits with respect to collateral and customer needs.
• Regularly visited clients for handling queries while routinely inspected pledged and mortgaged assets.
• Closely monitored recovery of principal and mark-up payments for effective management of portfolio.
• Actively communicated with Regional Credit Administration Department and Trade Hub for processing of transactions.
• Efficiently maintained MIS relating to the assigned portfolio while actively corresponded with allied branches for collection of vital financial information.
• Actively assisted Team Leader in annual Audit 2008/09 conducted by State Bank of Pakistan officials.