• Efficiently supervise branch personnel on sales techniques, service excellence, compliance guidelines, and new product offerings while creating a cohesive and enthusiastic environment.
• Manage credit process and returns on the portfolio, complete credit documentations post approval, and resolve all queries by credit risk to guarantee timely submission of credit proposals.
• Provide a wide range of products and services on client specifications varying from banking needs to investment services. Retain client portfolio and present product services, facilitated by product savvy.
• Collaborate with clients to analyze and establish ongoing needs and facilitate clients to better understand financial requirements.
• Supervise and evaluate financial performance of the clients to assure risk rating and covenant compliance for credit facilities.

Key Accomplishments:

• Administered asset book of AED 1 billion with zero provisions or classified accounts and executed financial, product, and operational risk analysis to determine and resolve bottlenecks in the operations.
• Delivered personalized services to enable optimum satisfaction and achieve business targets simultaneously while ensuring long term retention of customer relationships.
• Explored target markets and predicted strategies to boost prospect business conversion.
• Introduced cross-selling initiatives in treasury and retail products using e-banking platforms to present customers in accordance with annual growth and revenue targets set by the Divisional Head.
• Encouraged utmost compliance to UAE Central Bank statutes and anti money laundering regulations and presented feedback to the divisional head about matters of concern.
• Skillfully examined clients' financial situations and determined needs by customizing comprehensive investment and personalized retirement plans.

• Modified lending limits and facilities on client needs and market conditions for clients to ensure retention as well as portfolio profitability.
• Generated loan presentations for the approval process and appraised financial information for loan compliance to maximize credit quality and minimize risk and potential loss.
• Steered financial analysis on an annual basis on audited and in house financials to utilize credit facilities at par with competition.
• Functioned in direction with clients to oversee timely submission of renewal proposals, as well as revised credit profile to avoid excesses, past-dues, and other irregularities.
• Interconnected with documentation unit, customer service, trade finance, treasury, and head office credit unit department for one off transactions, account opening, activation of limits and verifying the sufficiency of documentation.

Key Accomplishments:

• Managed accountabilities as credit analyst and promoted from assistant relationship manager to relationship officer during 5 years tenure.
• Formulated annual budgets for portfolio in line with agreed strategy, while collaborating with corporate head and business credit for various routine transactions.
• Established business and new to bank acquisitions in the Emirate of Abu Dhabi to meet assigned targets.
• Led credit portfolio of large corporate groups, with annual turnover of AED 1 billion.
• Received spot performance award in 2013 in recognition of bringing AED 400M of deposits for the bank.

• Efficiently executed spreads and analysis of financial statements of corporate accounts, interpreted ratios, projections, and structured credit facilities.
• Performed industry analysis and organized credit applications and documentation compliance.
• Presented first rate support the Relationship Manager on excesses, documentation deferrals, and disbursements to enhance and maximize utilization of facilities.

Key Accomplishments:

• Coordinated with various departments, including credit admin, customer service department, trade finance, treasury department, and H.O Credit for managing various activities, including account opening, activation, documentation, and maintenance.
• Headed a variety of account operations, including loan creation and reroute of TTs, arranged bank and market reports, and reviewed credit maturity profiles to assure due date settlement.
• Helped line manager in delivering project specific assistance and managing current portfolio.
• Cooperated with clients to develop leads for sourcing new customers under the relationship manager while collecting information from the confirmed new clients.