Sr. Relationship Manager /AVP - Corporate Banking - Samba Bank Ltd - Lahore, Pakistan
(2022-02)
Managing an existing corporate portfolio aggregating to Rs.26Bn comprising of 14 accounts from diverse industries such as: Cement, Power Generation, Sugar, Textile, Steel, Chemicals & Fertilizers etc.
- Preparing timely and insightful credit proposals for a diverse portfolio of corporate customers such as: (transport, contracting, foodstuff/steel/paper/electronics/computer/IT trading, manufacturing, building material, real-estate segment etc.) following the bank credit policy.
- Identify risk appetite of portfolio clients and marketing business banking products/services: (Trade/Project Finance, Term loans, Export finance, BGs etc.) accordingly to maximise portfolio revenues.
Senior Relationship Manager/AVP – Commercial Banking - MCB Bank Ltd - Lahore, Pakistan
(2017-07 - 2020-10)
Managed an existing portfolio of 27 Mid-Cap Commercial entities with an aggregate exposure of Rs.2.46Bn, consistent with the bank's commercial lending objectives.
- Evaluated creditworthiness of current and prospective customers to aid credit approval committees in the facility decision process.
- Prepared timely Annual Renewals & credit proposals for a diverse portfolio of Mid-Cap/SME customers such as: (cement, rubber, textile, chemicals, sugar, plastics, ghee/oil, contracting, industrial gases, paints manufacturing, building material, retail segment etc.) following the bank credit policy.
- Identified risk appetite of portfolio clients & structured facilities along with enhancement with an aim to capture maximum FB/NFB business as well as Cap-Ex requirements.
- Solicited & acquired new accounts in various industries such as: packaging, paper & board, construction, ghee/oil & textile sector; prepared name clearances for newly marketed clients such structuring commercial lending products/services: (BG, LC/FATR/FIM, CF-Pledge, LTTF, RF, ERF-01/02 etc.) to maximise revenues for commercial unit.
Relationship Manager - Corporate Banking Unit - NIB Bank - Lahore, Pakistan
(2016-11 - 2017-07)
Managed an existing corporate portfolio of 13 accounts aggregating to PKR3.4Bn. Responsibilities included: Preparing credit renewals, enhancement/restructuring of facilities, credit authorizations and monitoring trade finance transactions.
- Provided Transactional Approval with respective Credit Authority.
- Organized and Maintained Credit Files of all Active Accounts along with securing Credit Reports, Financial References and Market Information for correct exposure.
Relationship Manager - Corporate Banking Unit - National Bank of Umm Al Qaiwain - Dubai, UAE
(2008-03 - 2010-05)
Managed an existing corporate portfolio aggregating to AED1.3Bn. Responsibilities included: Preparing timely and insightful credit proposals for a diverse portfolio of corporate customers such as: (transport, contracting, foodstuff/steel/paper/electronics/computer/IT trading, manufacturing, building material, real-estate segment etc.) following the bank credit policy.
- Identified risk appetite of portfolio clients and marketed business banking products/services: (trade/project finance, term loans, factoring etc.) accordingly to maximise portfolio revenues.
- Developed new corporate accounts, loans approvals and deposit mobilization to achieve annual revenue goals.
Relationship Officer – Corporate Banking Unit - Emirates Bank International - Dubai, UAE
(2006-08 - 2008-03)
- Identified and established new relationships with mid-size corporate entities, consistent with the bank's commercial objectives.
- Evaluated creditworthiness of current and prospective customers to aid credit approval committees in the facility decision process.
Associate Manager – SME Banking Unit - Mashreqbank - Dubai, UAE
(2005-07 - 2006-08)
- Sourced prospects and developed new customer relationships in the SME/Commercial segment, with firms having Sales turnover in the range of AED100Mn & below.
- Provided financial advice to customers, selling appropriate suite of import & export related products including Letters of Credit, Guarantees, Export Discounting, Negotiations, Documentary Collections, Overdrafts , Short-term loans etc. with per party limit up to AED 5Mn or less.
- Managed existing SME portfolio and credit quality.
Relationship Manager – Corporate Banking Unit - Habib Bank Ltd - Dubai, UAE
(2004-07 - 2005-06)
- Identified and established new relationships with mid-size corporate entities, consistent with the bank's commercial objectives.
- Evaluated creditworthiness of current and prospective customers to aid credit approval committees in the facility decision process.
