Senior Relationship Manager
Rak Bank
Total years of experience :16 years, 2 Months
Handiling Corporate and Commercial account portfolio with total assets of AED 600M
November 2011-present
Relationship Manager
Commercial Banking
Arab Bank PLC, Dubai
• Develop and implement plans to acquire new to bank relationships of medium size enterprises with a T/O up to AED 500MM by providing them funded and unfunded facilities related to trade finance, project finance and asset base financing.
• Analyzing balance sheet, preparing credit proposals and following up with credit department.
• Monitoring wallet size (28 accounts) and ensure that there is an ongoing client contact and visits with sales strategy for every client and prospective client in the portfolio to ensure proper utilization of assigned facility.
• Direct the team to achieve targets set and identify potential business opportunities for portfolio expansion to increase market share/penetration and maximize opportunities for revenue growth
• cross-selling and referring customers appropriately to specialists cash management, treasury and consumer department.
December 2010-November 2011
Relationship Manager
Corporate Banking - Extended Target Markets
Abu Dhabi Commercial Bank
Abu Dhabi, UAE
• Handling corporate accounts for companies/groups in the UAE and GCC providing them with credit facilities for funded & unfunded facilities, project financing, working capital, cash management and syndication loans
• Reviewing credit facilities, conduct credit analysis and preparing qualitative & quantitative credit proposals/Applications to credit committee
• Exploring business opportunities with prospective customers
• Follow up to ensure ongoing compliance as per approved terms and conditions, monitoring account performance, facility utilization and site visits
July 2009-December 2010
Relationship Manager
Business Banking
Al Khaliji (formerly known as BLC bank)
Dubai, UAE
• Developing and maintaining customer relationship within Medium-Large corporate clients (B2B) providing professional financial solutions in areas of corporate lending, Trade financing, Capital financing & Project financing. (funded/unfunded facilities)
• Preparing Financial Spreads, Industry Analysis, Management Assessment and Industry/ Financial risks Analysis.
• Conduct quarterly visits to client's office/warehouse to assess their business operations. Review credit expiries and to ensure timely renewal of facilities and constantly follow-up with clients to enhance facility utilization. Proactively monitor and ensure compliance with internal / external commitments such as documentation/ excesses / documentation deferrals /disbursements etc.
December 2007-July 2009
Relationship Manager-SME
Noor Islamic Bank
Dubai, United Arab Emirates
• Solicit new relationships and independently manage a credit portfolio, structure facilities, negotiate & close opportunities so as to meet budgeted income, deposits, funded & non funded facilities, LCs, LGs, O/Ds and business finance facilities
• Review spread sheets, analysis of financial statements; cash flows, sensitivity analysis and projections etc. finalize Credit Proposals/Applications, Internal memos and external correspondences.
• Prepare responses to queries raised by Unit Head/HOSME/Credit Committee.
• Review credit files and ensure they are constantly updated in line with the Banks internal audit standards
January 2006 - December 2007
Relationship Manager
MAF ORIX Finance PJSC
Dubai, United Arab Emirates
• Managing small and medium size companies portfolio and offering them credit facilities
• Analyzing and reviewing all the financial statements, bank accounts and legal documents.
• Regularly visit clients to strengthen the relationships and seek share of business
• Developing new business relationship to enhance overall business and profitability
• Regularly review credit risk assets and recommend
appropriate steps to manage credit risk
November 2003-January 2006
Relationship Officer-Priority Banking
Citibank N.A.
Dubai. United Arab Emirates
• Sourcing high net worth clients with a minimum accounts of 100000 USD
• Maintaining full Relationship with clients. Opening accounts lending products and fixed deposits
• Managing a total accounts of around USD 3 Million for Different kinds of investments product such as:
• Mutual Funds (fund houses like: MFS, Franklin Templeton and Invesco)
• Structured Notes (Close ended with a Fixed Tenor)
• Deposits (Fixed Deposits, Call Deposits and Savings accounts)
October 2002-November 2003
Credit Analyst- Retail Banking Group
Mashreq Bank
Dubai, United Arab Emirates
• Receiving applications for credit cards, insuring the
Complementation and matching of documents
• Analyzing the bank statements and all documents received
• Approve or decline the application within bank rules and policy
June 1998-June 2002 B.A. in Economics Jordan University Amman, Jordan Certificates and training courses • Certified investment consultant-Citibank MENA Region • Certification in banking products (Mashreq Bank)
• Certificate in Customer Satisfaction (Mashreq Bank) • Certificate in Trade finance • Credit proposal techniques • Unified credit culture (by moody's) • Started CFA Program