概要

To work in a progressive organization where I can apply my knowledge for the advancement of the organization and to achieve portfolio and income growth by maintaining excellent corporate relationships.

工作经历

公司标识
Senior Relationship Manager, Corporate & Investment Banking Group
Askari Bank Limited
Jun 2021 - 代表 | Karachi, Pakistan


Achieving asset growth through addition of new names and materializing opportunities in existing portfolio, in line of risk appetite of the Bank.
Achieving revenue targets through optimized utilization of limits to maximize revenue as well as share of wallet.
Pitching and cross selling various trade, cash management, and treasury products, keeping in view risk profile of client.
Close coordination with internal departments (Credit, CAD, Legal and Compliance etc.) and external stakeholders (customer, consortium banks, lawyers, technical advisors, insurance advisors etc) for smooth execution of the transactions.
Regular monitoring of risk profile of portfolio, keeping in view of changing global and local economic factors as well as industry dynamics and customer specific dimensions.
Coaching of associates to groom them for future RM roles.

公司标识
Relationship Manager, Corporate & Investment Banking Group
Bank Alfalah Limited
Sep 2017 - Jun 2021 | Karachi, Pakistan


Achieving asset growth through addition of new names and materializing opportunities in existing portfolio, in line of risk appetite of the Bank.
Achieving revenue targets through optimized utilization of limits to maximize revenue as well as share of wallet.
Pitching and cross selling various trade, cash management, and treasury products, keeping in view risk profile of client.
Conduct 360-degree due diligence of the transaction / project and obtain internal credit approvals.
Close coordination with internal departments (Credit, CAD, Legal and Compliance etc.) and external stakeholders (customer, consortium banks, lawyers, technical advisors, insurance advisors etc) for smooth execution of the transactions.
Regular monitoring of risk profile of portfolio, keeping in view of changing global and local economic factors as well as industry dynamics and customer specific dimensions.
Coaching of associates to groom them for future RM roles.

公司标识
Relationship Manager, Corporate & Investment Banking Group
Summit Bank Limited
Feb 2014 - Sep 2017 | Karachi, Pakistan


Review & manage Credit Approvals, which entails a detailed risk appraisal of the proposed credit along with the return potential by analyzing the business and financial risks.
Evaluation of compliance with SBP prudential regulation of the relationship assigned.
Offering diversified products and business solutions ranging from Short-term facilities, Term Loans and foreign trade services including Import & Export Letter of Credit, Bill Discounting, Acceptances & Trust Receipts, and ensuring timely payment of installments and settlement of Bank Guarantees.
To strictly follow the guidelines & procedures provided by Shariah Dept. in order to book Shariah Compliant Income for the Bank.
To Work in close liaison with Credit Administration, Credit Risk, Treasury, Trade Operations, Shariah and Branch Operations department in order to timely execution of day to day customers transactions.

公司标识
Operations Officer, Home Remittances Department
United Bank Limited (UBL)
Apr 2013 - Jan 2014 | Karachi, Pakistan


Preparing all customers MIS / Reports & Reconciliation of Disbursement accounts.
Handling / resolving discrepancies with branches and Customer queries.
Coordinating with UBL Branches regarding Daily Operation of Remittances.
Monitoring of correspondence with all PRI banks for prompt Remittances.
To liaise with customers/branches/business units on any discrepancy/doubt in their instructions till resolution.
To ensure quick action/resolution in managing both internal and external customers queries, feedback and complaints.

公司标识
Intern
State Bank of Pakistan
May 2010 - Jun 2010 | Karachi, Pakistan


Worked in Domestic Markets & Monetary Management Department.
Research report on Interest Rate Corridor.
Exposed to Operational Functions of various departments of the bank.

学历

Mohammad Ali Jinnah University
硕士, 工商管理硕士学位, MBA‎
Finance
所占比重 83%
2013
Mohammad Ali Jinnah University
学士, 工商管理学士学位, BBA‎
Finance
所占比重 85%
2010
Govt. Shah Abdul Latif College, Mirpurkhas
中级/A级, 理工系(医学预科), HSC‎
Biomedical
所占比重 63%
2006
Govt. High School, Bhansinghabad, Mirpurkhas
大学入学/0级, 科学, Matric In Science‎
Science
所占比重 70%
2004

技能

熟练 Anti-money laundering (AML)
熟练 Bank-Corporate
熟练 Credit Analysis
熟练 Economic & Financial Analysis
熟练 Financial Analysis
熟练 Prudential Regulation
熟练 Trade Finance Knowledge
熟练 Working Capital Management

语言

中级 信德语
熟练 旁遮普语
熟练 乌尔都语
熟练 英语

Muhammad 联系人

Shehla Asghar
Summit Bank Limited