Vice President
Large Cap), Gulf International Bank
Total years of experience :17 years, 6 Months
Senior corporate Relationship Manager
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Visiting course instructor to Post Graduate Classes for Advance Banking & Finance courses in Bahauddin Zakariya University Multan in commerce department.
Current Job Responsibilities
•Managing assets portfolio of corporate accounts (Large cap), Portfolio credit risk analysis and evaluation and ensuring an effective internal control in compliance with the bank’s credit policy.
•Identifying early warnings signals and take appropriate proactive decisions/actions and formulate proactive relationship strategy to counter any potential threat.
•Ensure that client portfolios adhere to risk policy, procedures. Ensure approval & disbursement conditions and covenants are fulfilled and to improve the portfolio’s risk profile.
•Lead, manage & monitor a team of Associate Relationship Managers and diverse portfolio of accounts, ensure efficiency in operations and guiding them to achieve individual and team targets.
•Monitored financial health of the portfolio and assist team in managing & reviewing credit risk of the entire portfolio and ensure they are addressed in an adequate and timely fashion.
•Monitor the credit portfolio for any exceptions and ensuring an effective internal control in compliance with the bank’s credit policy. Maintain liaison with Credit Administration to complete security documentation as per terms of the Credit Line Approvals.
•Hold regular meetings with existing clients to strengthen relationships and to seek new deals and ancillary business.
• Prepare Credit Line Proposals, which include Fresh Disbursements / Renewals & One Time Transactions. Provide timely and structured credit solutions. Credit appraisal constitutes providing comprehensive information on Financial Analysis, Industry Analysis, and Appraisal Comments & SWOT Analysis etc. Clearly identify the risks involved vis-à-vis analyzing relationships within the framework of applicable laws, rules & regulations, and bank’s credit policy.
•Providing quality services to customers and solving their problems in a timely and efficient manner. Act as prime contact for corporate customer under one window operation concept.
courses: CFA Institute USA, Passed CFA Level 2. Candidate for Level 3. •Institute of Bankers Pakistan Diploma in Banking and Finance Stage I & Stage II