Looking after portfolio of delinquent relationships(Corporate,Commercial & Retail) & devising remedial measures like out of court settlements by negotiating annuity based repayment plans, carving out Litigation strategy, exploring possibility of debt to asset swap, planning sale of already held & attached Securities by way of auctions /attachments & disposal of already held securities thus ensuring cash recovery & reversal of provision hence contributing significantly in the bottom line of… Show more Looking after portfolio of delinquent relationships(Corporate,Commercial & Retail) & devising remedial measures like out of court settlements by negotiating annuity based repayment plans, carving out Litigation strategy, exploring possibility of debt to asset swap, planning sale of already held & attached Securities by way of auctions /attachments & disposal of already held securities thus ensuring cash recovery & reversal of provision hence contributing significantly in the bottom line of the organization. Show less

Developing rationale of lending propositions through due diligence process for credit decision making individually & as part of country credit committee.Insight developed through risk asset criteria (RACs) developed within retrospect of in-depth market /industry study based on all the relevant dynamics.Regulatory compliance of all internal & external regulating agencies.Thorough study & knowledge based on feed back/reports of all the monitoring & risk review teams… Show more Developing rationale of lending propositions through due diligence process for credit decision making individually & as part of country credit committee.Insight developed through risk asset criteria (RACs) developed within retrospect of in-depth market /industry study based on all the relevant dynamics.Regulatory compliance of all internal & external regulating agencies.Thorough study & knowledge based on feed back/reports of all the monitoring & risk review teams. Ensure proactive credit decision making instead of reactive. Therefore foreseeing or projecting future forecast is also on the agenda. Leading the team of risk analyst & making sure for developing accurate & perfect data base in order to ensure best possible credit decisions. Spelling out perfect covenants in compliance of prevailing rules/regulations for smooth execution of credit contracts.Conflict management between business & risk & finding a point of intersection where interest of all related stake holders coincide. So mitigating risks involved without losing any quality business opportunity ensures sustainable growth for the organization as a whole. Proactive advisory role & appropriate action plan as remedial measure in order to make any distressed asset revived/recovered. Show less

 Looking after the Commercial/Corporate clientele of North / Central Region. Ensuring achievement of budgeted figures pertaining to portfolio enhancement, deposit mobilization and Profitability. Developing an effective Team work to ensure the achievement of budgeted Targets Making sure for applying all remedial measures for revival of distressed business relationships in order to ensure proactive measures before any asset attracts classification status.  Playing active… Show more  Looking after the Commercial/Corporate clientele of North / Central Region. Ensuring achievement of budgeted figures pertaining to portfolio enhancement, deposit mobilization and Profitability. Developing an effective Team work to ensure the achievement of budgeted Targets Making sure for applying all remedial measures for revival of distressed business relationships in order to ensure proactive measures before any asset attracts classification status.  Playing active role for turn around of delinquent assets through hectric negotiation and engaging in possibility of rescheduling/restructuring & debt to investment swaps thus resulting in developing skill set in investment banking as well, hence making recovery of such NPLs fruitful and result oriented.-Playing an effective Role in Revival/recovery of special/classified Assets of Commercial/Corporate Relationships of North / Central Region.- Engaging these Relationships in Rescheduling/Restructuring/OREO process through hectric negotiations so that safe exit may be ensured. - Ensuring declassification of such classified/provided for relationsuhips thus resulting in reversal of provision/Drag of these classified assets and improving the bottom line of the Bank significantly Show less

 Managing the Corporate and Commercial clientele of Central Region which includes Lahore, Faisalabad, Multan, Gujranwala, Sialkot, and Gujrat wherein I have developed my niche market keeping in view the strengths & limitations of my Bank.  Enhancing the existing portfolio (Central) by soliciting additional healthy / remunerative relationships in order to improve the Bank's bottom line. Achievement of budget figures pertaining to portfolio enhancement, deposit mobilization and… Show more  Managing the Corporate and Commercial clientele of Central Region which includes Lahore, Faisalabad, Multan, Gujranwala, Sialkot, and Gujrat wherein I have developed my niche market keeping in view the strengths & limitations of my Bank.  Enhancing the existing portfolio (Central) by soliciting additional healthy / remunerative relationships in order to improve the Bank's bottom line. Achievement of budget figures pertaining to portfolio enhancement, deposit mobilization and corporate profitability. Promoting the corporate image of the Bank in the market through extensive marketing/selling. Show less

 Designing & implementing Relationship Management concepts in the Bank. At the same developing business strategy for the bank keeping in view SWOT analysis. This Particular assignment has enabled me to design & implement new systems, procedures & practices countrywide. Conducting interviews and review requests/applications of borrower's for obtaining their personal and financial data in order to rationalize the structure of Credit facilities and Securities offered there against… Show more  Designing & implementing Relationship Management concepts in the Bank. At the same developing business strategy for the bank keeping in view SWOT analysis. This Particular assignment has enabled me to design & implement new systems, procedures & practices countrywide. Conducting interviews and review requests/applications of borrower's for obtaining their personal and financial data in order to rationalize the structure of Credit facilities and Securities offered there against.  Maintaining proper follow-up on all borrowing accounts with respect to their conduct of account, business/financial requirements and recovery of mark-up/overdue amounts. Effective and successful coordination with Internal Audit and External regulatory authorities so as to minimize the number of observations on credit portfolio Managing all the affairs of branch. Major assignments include developing team work for achieving the organizational objectives which consisted of Deposit Mobilization, Booking Quality Assets & Continuous improvement of Bottom Line along with strong penetration of Bank in the business market.  Delivering the healthy numbers with respect to deposits, business loans, consumer banking, etc. while ensuring total satisfaction of customers of the branch and bank. Successful compliance to the regulatory requirements of audit agencies both internal and external Chairman Regional Credit Committee for recommendation / approval of various credits. Managing the Corporate and Commercial clientele of North / Central Region. Achievement of budget figures pertaining to portfolio enhancement, deposit mobilization and corporate profitability. Show less

 Appointed as Relationship Manager for MCB Bank Limited, Concept of one window operation was introduced to provide the supreme services to priority / corporate Clientele. Major skills included structuring & designing of Credits portfolio for existing local & multinational corporate relationships. Moreover new Corporate / priority relationships were required to be solicited thus resulting in value addition in Bank's quality assets & liabilities portfolio.  At the same time developing… Show more  Appointed as Relationship Manager for MCB Bank Limited, Concept of one window operation was introduced to provide the supreme services to priority / corporate Clientele. Major skills included structuring & designing of Credits portfolio for existing local & multinational corporate relationships. Moreover new Corporate / priority relationships were required to be solicited thus resulting in value addition in Bank's quality assets & liabilities portfolio.  At the same time developing industrial profiles for chalking out marketing strategy by keeping a close watch on all the relevant industry dynamics is part of my job. During this period, I developed strong relationships with almost all the major players in the Corporate Market. Managing the team of relationship managers with portfolio of about Rs 10 Billion. Such elevation nourished my Leadership skills as I learnt the art of team building for achievement of desired goals /objectives. Ensuring perfection of credit documentation as per Prudential Rules and Regulations of State Bank of Pakistan and internal regulatory authorities. Strict compliance with quality service (Internal Service Measures) thus ensuring complete satisfaction of the corporate clients with regard to their banking requirements fulfilled through expedient and expeditious manner. Show less