Experience

• 

  Saudi EXIM Bank

  • Riyadh, Saudi Arabia

  • Advisor

    • Sep 2022 - Present
    • Riyadh, Saudi Arabia

• 

  Al Rajhi Bank

  • Saudi Arabia
  • Banking
  • 700 & Above Employee

  • Structured Finance Manager

    • Sep 2020 - Oct 2022

  • Senior Relationship Manager

    • Aug 2014 - Dec 2020

    Handling large corporates having annual turnover more than SAR. 500MM+, total portfolio of SAR 5Bln.- Relationship building with new/ existing large corporates- Communicating & Marketing of Asset products, including non-fund business & trade- Managing new/existing customer accounts - Analyzing the financial strengths/cash flows of the customers - Interpreting and analyzing clients financial standing, examining the repayment capability - Developing Credit Write-ups

• 

  National Bank of Pakistan

  • riyadh, kingdom of saudi arabia

  • Credit Analyst/Relationship Manager (Corporate & SME)

    • Dec 2011 - Jul 2014
    • riyadh, kingdom of saudi arabia

    Responsible for developing strategies to capture end to end business of Corporate,Commercial & SME segment initially by generating business transaction volumes from existing assets relationship (Local & Foreign companies), Introducing new to Bank accounts & to cross sell lending requirements on a need basis.

• 

  HBL - Habib Bank Limited

  • Pakistan
  • Banking
  • 700 & Above Employee

  • HUB Manager - Credits (Retail / Commercial)

    • Jun 2006 - Mar 2011

    Responsibilities: - Lead and support staff of 7 Relationship Managers.- Managing the Assets portfolio of 17 Branches pertaining to my Area(Credit HUB)- Meeting assigned asset targets with and through HUB Staff (relationship officers)- Responsible to scrutinize all business proposals routed for final management's approval in conformity with Banks’ Policies and procedures and regulations of State Bank of Pakistan- Relationship Building with New / Existing Customer Base - Regular contacts with customers through client visits at regular intervals- Assessing industry trends and formulating strategy accordingly - Supervising team for Marketing of Asset products - Skill building, Identification, Training and grooming my team- Monitoring my HUB portfolio of Commercial/Retail Credits- Industry checking for upcoming direct & indirect Risks - Ensuring prudent business practices , Ensuring proper compliance as per banks policy- Ensure compliance and resolution of audit and regulatory issues. - Meeting monthly/yearly credit targets by formulating strategies & mobilizing the HUB Staff- Liaison with Area Managers & Regional Head Quarters

  • Manager Credits

    • Oct 2007 - Jun 2009

    - Relationship building with new/ existing assets customer base for the branch- Communicating & Marketing of Asset products, including non-fund business & trade- Managing new/existing customer accounts - Analysing the financial strengths/cash flows of the customers - Interpreting and analysing clients financial standing, examining the repayment capability - Developing Credit Proposals and submitting for approval to Regional/Head Offices- Coordinating with legal advisors and preparing the legal/securities documentation- Disbursing & Monitoring Consumer/Retail SME/Commercial Credits - Assessing & efficiently managing all direct & indirect Risks involved in Financing the customers - Ensuring prudent business practices, Ensuring proper compliance as per banks policy– Offering further asset products of the bank by judging potentials of customers – Meeting monthly/yearly credit targets , Drafting a viable strategy for safeguarding Banks interest - Liaison with Customers & Regional Head Quarters

  • Assistant Manager Credits (North Region)

    • Oct 2006 - Oct 2007

    - Liaison with Credit Managers of 107 Branches - Assisting Branch/Credit Managers at the field level- Providing Guidance/Help & handling queries of Manager/Officer Credits in the field- Assisting in Developing Credit Proposals for non-functional branches- Reviewing credit applications with due focus on projected turnover, cash flows, balance sheet, profit and loss statement & ratio analysis- Evaluating credit risk, repayment capacity, adequacy/enforce-ability of collateral's- Analysing credit proposals in light of State Bank's Prudential Regulations- Assessing all direct & indirect risks involved in financing the applicant and ensuring compliance to bank’s policy.- Ensuring that Banks exposure is fully secured - Recommending viable proposals for approval and sanctioning it to applicants.

• 

  Shaman Mugherah Establishment

  • Finance Executive

    • Jul 2005 - Sep 2005

    Performed and monitored day to day accounting transactions, Prepared Payrolls, Account receivables, Project Cost Analysis and Budgeting. Performed year end closings, Inventory and Financial Forecasting for the company

• 

  Oil & Gas Development Company Ltd. Pakistan

  • Islamabad , OGDCL HQ

  • Intern

    • Aug 2003 - Sep 2003
    • Islamabad , OGDCL HQ

    Internee in Oil and Gas Development Corporation Limited (OGDCL) in the Banking and Finance department. Gained insight into financial reporting, preparation of annual reports and operations of the Banking Department.