Experience

JS Bank
• Pakistan
• Banking
• 100 - 200 Employee
• SVP/Sr.Team Leader Corporate Banking

  • Mar 2018 - Present


JS Bank Limited

• Team Leader- Corporate Banking

  • Aug 2014 - Mar 2018

  Assets and Liability marketing and management of existing relationships Assets and Liability marketing and management of existing relationships



United Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Unit Head- ( Corporate-Commercial Group)

  • Jul 2011 - Aug 2014

  Responsibilities include: •Managing and developing Local Corporations' borrowing/non borrowing relationships in line with the Bank's operating and strategic objectives to achieve optimum growth & risk-adjusted profitability.For achieving this, close contact with frequent visits and regular communication is carried out at all levels for repeat and ancillary business. •Structuring of Credit facilities for each client is done with detailed analysis of their business model for matching right type of credit facilities as per clients' requirements, keeping the Bank's risk at minimum. •Proactively assessing and managing clients' needs by cross-selling of Trade/Treasury/Cash Management products and services, for attainment of aggressive revenue targets •Supervising and guiding RMs on all aspects of transactions execution, reviewing credit proposals and to aid RM in trouble shooting by leveraging my experience to reach win-win solutions. •Inter-departmental liaison with Credit Risk Management, Operations, IT, Trade Finance, Credit Administration, Business Product, Finance, Special Asset Management and Legal Counsel for improving the process flows and reducing TAT, ranging from credit & lending •Managing MIS, forecasting and analysis for Commercial Center’s portfolio profitability. •Maintaining UBL’s internal control standards, including timely implementation of internal and external audit points along with issues raised by external regulators. •Conducting periodic reviews of documentation, financials etc. in order to ensure that documentation is up-to-date and all regulatory requirements are consistent. •Ensuring maximum returns on sustainable basis from existing credit portfolio through maximum utilization of credit/non-credit facilities offered to clients, in addition to booking of new clients. •Providing updates to management on various reports related to portfolio, credit documentation, non-performing loans, profitability etc. Show less



Askari Bank

• Pakistan
• Banking
• 700 & Above Employee

• Team Leader

  • Aug 2008 - Jun 2011

  With work experience of over one year as RM,promoted to next level as SRM/Team Leader. Managed Corporate Relationships and gained experience of Power, Textile, Oil & Gas, Automobile, Construction sector. Marketed new clients and worked in align with Investment Banking on various Syndicate Financing. As Senior Relationship Manager/Team Leader, Corporate Banking (from July’07 till June’11) managed 15 Corporate Relationships generating annual Net Profit of PKR 100 Million. • Responsible for managing existing credit relationships, marketing prospective clients and developing sustainable growth in assets and revenues. • Prepared credit proposals for initiation/renewal of credit facilities in line with credit policy of the Bank. This involved analysis of clients’ financial statements in context of their business dynamics (internal/external), assessment of depth and quality of management team/sponsors, assessment of credit worthiness of the client through verbal and written market checks. • Maintained fast TAT for optimal customer service by efficiently coordinating with Credit Admin and Operations. Show less



Askari Bank Limited

• Banking
• 200 - 300 Employee

• Relationship Manager

  • Jul 2006 - Jul 2008

  After completing the training period, posted at Credit Department of S.I.T.E Branch as Relationship Manager and was transferred to Corporate Banking Division on performance basis in October 2007. After completing the training period, posted at Credit Department of S.I.T.E Branch as Relationship Manager and was transferred to Corporate Banking Division on performance basis in October 2007.



Askari Bank Ltd.

• Management Trainee Officer

  • Apr 2004 - Jul 2006

  Joined Askari Bank as Management Trainee Offier and was placed at different department under comprehensive training program organized by the Bank. During the period, worked in General Banking, Trade Finance and Treasury Department and gained experience required for Relationship Management. Joined Askari Bank as Management Trainee Offier and was placed at different department under comprehensive training program organized by the Bank. During the period, worked in General Banking, Trade Finance and Treasury Department and gained experience required for Relationship Management.



SIEMENS Pakistan. Engg. Co. Ltd

• Commercial Trainee-Finance Department

  • Nov 2003 - Mar 2004

  Apponted as Commercial Trainee and was placed in Financial Control Department of Siemens Pakistan. Apponted as Commercial Trainee and was placed in Financial Control Department of Siemens Pakistan.