Senior Manager - Government and Istitutional Banking
Barwa Bank
Total years of experience :24 years, 11 Months
Managing a team of three members;
Development, implementation, and monitoring of GIB’s strategy and budget (Income statement and Balance sheet);
Responsible for growing GIB’s asset and liability book while striving for a self funded strategy;
Responsible for originating and executing transactions pertaining to contracting finance and project finance in addition to working capital, CAPEX and real estate finance;
Responsible for generating/enhancing funded income from clients belonging to large corporate sector of Qatar and GCC region;
Responsible for generating/enhancing the share of non-funded/ancillary income by focusing on cross-selling products like Retail, Trade, Treasury, and Payments & Cash Management;
Responsible for participating in large local and international syndications predominantly belonging to Qatar, UAE,
Responsible for setting up Islamic corporate banking unit by devising business and product development plan/strategy and effectively implementing/monitoring the same;
Responsible for achieving income and assets/liabilities target of Islamic corporate business;
Responsible for originating, structuring and executing Islamic syndicate financings by representing bank’s Islamic corporate business locally and regionally;
Responsible for development of Islamic corporate products. The Islamic corporate liability products included current account and mudaraba term deposit. The Islamic corporate asset products included commodity murabaha, goods murabaha, ijara and istisna/forward ijara and Islamic corporate trade products included LCs, LGs, bills of collection, open account financing etc;
Responsible for structuring bespoke Islamic corporate transactions.
Responsible for developing business plan/strategy for regional Amanah corporate banking business; monitoring the implementation of regional Amanah corporate banking strategy and fine tuning it dynamically in reaction to on-going learning;
Responsible for managing regional Amanah corporate banking investment plans and their effective implementation;
Ensuring/overlooking monitoring of competitive activity within region in terms of marketing initiatives, product development and policy/process changes in order to maintain and enhance the competitive stance of Amanah corporate banking business;
Ensuring/overlooking effective planning and execution of marketing initiatives (campaigns, events, surveys, marketing materials, collaterals etc.) for Amanah corporate banking business through marketing dept;
Ensuring/overlooking strict monitoring of Amanah Corporate banking regional budget through Finance department;
Ensuring/overlooking Amanah training for front/support staff through Regional training department;
Member of the Global Amanah corporate banking product rationalization and replication committee;
Amanah corporate banking Champion for Global Amanah corporate banking training program under development;
Played an instrumental role in the development/structuring of Islamic corporate products, services and bespoke transactions for different corporate banking units in order to attract new to bank Amanah customers and defend loss of existing customers willing to utilize Amanah facilities, in turn building up a profitable and incremental revenue stream for the bank through Amanah corporate banking business;
Amanah corporate banking business marketed, structured and executed include renowned local/regional names;
Played an instrumental role in setting up of Amanah corporate banking unit and contributed significantly in the generation of healthy operating income for the unit;
Structured several Amanah syndications for general corporate purposes, balance sheet restructurings, BMRs, project finance, land acquisitions and real estate developments using structures like commodity murabaha, goods murabaha, musataha, Istisna and forward ijarah, sale & lease back ijara etc;
Amanah asset products launched included commodity murabaha, goods murabaha, equipment ijarah, musataha, istisna and forward ijarah; trade products (import products including LCs, collection bills, open account financings, guarantees, shipping guarantees etc. Export products including pre-shipment finance, post-shipment finance, bills discounting etc.);
Amanah liability products included current account, term deposit and call deposit;
Ensured strong alignment and coordination with Debt-Capital Markets team, Treasury team, Retail team and FI team to effectively to cross-sell corporate banking business to these units.
Heading the Corporate Banking unit of South Division and responsible for building asset and liabilty book from corporate clients and generating income from the portfolio .
Was responsible for generating revenues against specific profit (funded), commissions and arrangement/advisor’s income (non-funded) from corporate & investment banking relationships;
Was responsible for carrying out in-depth analysis of financial statements of customers and industry sectors for preparing proposals, industry up-dates and stress test modules in order to closely monitor the quality of credit;
Looked after a corporate portfolio of around PKR 2 billion and an investment banking portfolio of around PKR 1 billion;
Modes of financings extended to the customers included Murabaha, Ijarah, Diminishing Musharika, Long-Term Murabaha, IERF & Bill Discounting;
Major relationships
Was responsible for initiating, structuring and distribution of several investment banking transactions;
Lead arranged and participated in several syndications of Term-loans and TFCs. Major loans and TFC syndications
Assisted relationship managers in generating revenues for the bank from corporate relationships;
The activities included preparation of credit proposals and visit reports, market checks, customer visits and resolution of customer’s daily operational queries etc.