Senior Relationship Manager
Ahli United Bank
مجموع سنوات الخبرة :20 years, 8 أشهر
Responsible for a portfolio with over thirty seven customers and limits exceeding KD 300Mn.
Assume ownership of normal credit accounts as well as "Watch List" accounts; which are mainly accounts with large exposures and relatively unknown repayment tenures. I carefully maintain and restructure such accounts to ensure debt servicing is maintained by the customers and repayment schedules are set in place.
Actively participated in restructuring an outstanding financial debt of one customer in the tune of USD 68Mn and was successful in reducing the exposure by USD15MM and upgrading the package to 115% coverage of the outstanding exposure.
Responsible in restructuring the debt of another company with an approximate exposure of USD 58Mn.
Assisting the Unit Head in preparation of the team's pipeline and Global Watch list accounts reports.
Ensuring the "Global Relationship Manager" concept is served to my clientele portfolio and handle all customers' requests at my desk.
- Actively participating in setting up the Commercial Banking Department, which specializes in soliciting new business relationships with midsized companies having turnovers up to EGP 250 Mn- Promoting and cross-marketing the Bank’s financing services towards potential prospects.
- Involved in the preparation of the marketing strategy in accordance with annual budget, and monthly records on the performance of the Unit.
- Addressing operational hiccups affecting the workflow of my current portfolio and assisting in their troubleshooting.
- Responsible of structuring and preparation of credit proposals, renewals & enhancements; which duly includes the company’s profile, its financial situation along with SWOT analysis.
- Emphasizing the cross sell of bank products (i.e. payroll packages, cash management services, etc…) for Middle Market customers.
- Follow-up with customers subsequent to disbursement of funded and / or non-funded facilities along with day-to-day customer relationship management and operational troubleshooting.
- Follow-up on documentation (legal & technical) required from the customers and forward them to the Credit Administration.
- Handling existing current portfolio of small & medium sized enterprises established in the Emirate of Abu Dhabi - UAE, along with marketing and acquisition of fresh accounts.
- Promoting and cross-marketing the Bank’s financing services towards potential prospects.
- Conferring with customers as to assist them in determining their financial requirements according to the Bank’s credit policies.
- Responsible for the structuring and preparation of full credit proposals, renewals & enhancements; which duly includes the company’s profile, its financial situation along with SWOT analysis.
- Maximizing cross selling of bank products (i.e. payroll packages, Personal Finance, IPO leveraging, Auto Murabaha, etc…) for Business Banking customers.
- Follow-up with customers subsequent to disbursement of funded and / or non-funded facilities along with day-to-day customer relationship management and operational troubleshooting.
- Follow-up on documentations (legal or technical) required from the customers and forward them to the Credit Administration.
- Assisting in the preparation of performance tables and presentations of the Business Banking Unit for the Area Manager & Unit Head.
- Involved in the preparation of the marketing strategy in accordance with annual budget, and holding monthly records on the performance of the ADH-Unit.
- Addressing operational hiccups affecting the workflow of my current portfolio and assisting in their troubleshooting.
- Handling existing current portfolio of small & medium sized enterprises established in the Emirate of Abu Dhabi - UAE, along with marketing and acquisition of fresh accounts.
- Promoting and cross-marketing the Bank’s financing services towards potential prospects.
- Conferring with customers as to assist them in determining their financial requirements according to the Bank’s credit policies.
- Responsible for the structuring and preparation of full credit proposals, renewals & enhancements; which duly includes the company’s profile, its financial situation along with SWOT analysis.
- Maximizing cross selling of bank products (i.e. payroll packages, Personal Finance, IPO leveraging, Auto Murabaha, etc…) for Business Banking customers.
- Follow-up with customers subsequent to disbursement of funded and / or non-funded facilities along with day-to-day customer relationship management and operational troubleshooting.
- Follow-up on documentations (legal or technical) required from the customers and forward them to the Credit Administration.
- Assisting in the preparation of performance tables and presentations of the Business Banking Unit for the Area Manager & Unit Head.
- Involved in the preparation of the marketing strategy in accordance with annual budget, and holding monthly records on the performance of the ADH-Unit.
- Addressing operational hiccups affecting the workflow of my current portfolio and assisting in their troubleshooting.
- Handling existing current portfolio of small & medium sized enterprises established in the Emirate of Abu Dhabi - UAE, along with marketing and acquisition of fresh accounts.
- Promoting and cross-marketing the Bank’s financing services towards potential prospects.
- Conferring with customers as to assist them in determining their financial requirements according to the Bank’s credit policies.
- Responsible for the structuring and preparation of full credit proposals, renewals & enhancements; which duly includes the company’s profile, its financial situation along with SWOT analysis.
- Maximizing cross selling of bank products (i.e. payroll packages, Personal Finance, IPO leveraging, Auto Murabaha, etc…) for Business Banking customers.
- Follow-up with customers subsequent to disbursement of funded and / or non-funded facilities along with day-to-day customer relationship management and operational troubleshooting.
- Follow-up on documentations (legal or technical) required from the customers and forward them to the Credit Administration.
- Assisting in the preparation of performance tables and presentations of the Business Banking Unit for the Area Manager & Unit Head.
- Involved in the preparation of the marketing strategy in accordance with annual budget, and holding monthly records on the performance of the ADH-Unit.
- Addressing operational hiccups affecting the workflow of my current portfolio and assisting in their troubleshooting.
- Handling existing current portfolio of small & medium sized enterprises established in the U.A.E.
- Promoting and marketing the financing services offered by the Bank towards potential prospects.
- Preparation of full credit proposals, renewals & enhancements duly including financial analysis along with SWOT analysis.
- Follow-up with customers after being granted funded and / or non-funded limits along with day-to-day operational problem solving.
- Assisting in the preparation of performance tables and presentations of the Business Banking Unit for higher management.
- Negotiating with customers in order to assist in determining their financial needs and pricings according to Bank credit policies.
- Handling credit facilities granted to major multi-national clients.
- Performing financial and economic analysis on the prospect clients.
- Preparing and renewing credit memos defining the prospect or existing clients requirements (i.e. Overdrafts, Medium term loans, L/C or Post finance lines), briefing on background of the client and the parent company, describing client operations including its selling & purchasing policies and commenting on the financial status of the company.
- Following up with the client after granting the facility.
- Promoting long-term business relationships with clients.
- Handling the trade finance issues in Iraq.
- Assisting in the revision and approval of Export and Import L/Cs and incoming L/Gs.
- Handling and processing the incoming swift messages from the bank's correspondents abroad.
- Translation of certain work related documents, working papers, press releases and general broadcasts.
- Assisting in entry and analyzing other banks' data from quarterly financial reports and annual reports.
- Follow up any changes or deletion of authorized signatures concerning the correspondent banks abroad.