Career Path in National Bank of Fujairah (NBF) PJSC, UAESenior Relationship Manager – Services & ManufacturingJanuary 2018 to July 2023Relationship Manager – Business Banking June 2013 to December 2017Accounts Manager – Business Banking October 2010 to June 2013Job Profile: To achieve Operating Income, Average Funded Assets and Average Deposit budgets by marketing bank approved Trade Finance products. Solicit fresh borrowing relationships as per laid out credit policies. Independently manage a portfolio of borrowing relationships – Risk and Revenue Responsibility. Liaise with Unit Head and Business Credit for various routine transactions / requirements. Timely completion and perfection of Security Documentation and follow up to ensure ongoing compliance as per approved terms and conditions. Generating business for other products of the bank (i.e. WPS, Saving Account, Fixed Deposit, Auto Loan etc.).Achievements: Member of NBF Talent Pool for consecutive Six years (from 2014 to till date) and have been awarded ACHEIVERS Award in 2015 for consistency in performance. Consistent performer since beginning of career in NBF (in achieving budget assigned & booking accounts). Joined NBF to start the SME Team within Business Banking. Recognized for active participation in making framework for credit application and legal documentation.

Relationship Manager – SME Loans The National Bank of Ras Al Khaimah, UAE (also known as RAK Bank)Career Path in RAK Bank:Relationship Officer (Oct 2007 to July 2008 in Dubai)Senior Relationship Officer (August 2008 to January 2010 in Abu Dhabi) and Relationship Manager (February 2010 to September 2010)Job Profile: Steering various activities with the assistance of 8 team members and reporting to the Sales Manager. Involved in SME Loans & Cross Sells and Client Relationship Management. Sourcing of customers for Business loans and providing service to the existing clients too. Analyze applicants' financial status & credit to determine feasibility of granting loans. Review and update credit and loan files to ensure that they are complete and accurate according to policy. Also responsible for generating the business for other products of the bank.(i.e, Credit Card, Saving Account, Fixed Deposit, Bacassurance, Premiere Accounts, Auto Loans, Mortgage Loans, Facilities etc.)Achievements: Have been at top in the first half of the year (2010) with 134% achievement of the team target. Recognized & awarded “RAKfin Gold Award - 2008” for the highest sales performance in UAE. Recognized & awarded “Achiever Cross Sell Award - 2009” for selling other products of the bank. Recognized & awarded many other awards for selling primary & other products of the bank. Appreciated for Encouraging and building mutual trust, respect, and cooperation among team members.

Job Profile: Guided a team of 56 and reported to the Manager – Sales & Business Development and involved in various activities including Sales, Business Development, Account Management and Team Management. Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.Achievements: Significantly identified various opportunities for Business Development and maintained relationship with existing Customers & strengthened relationship with prospective Clients for future & referral Business. Successfully managed & developed a Database for optimum utilization using all methodologies of Sales (Cold Calling – FOS & Tele-Calling, Referrals and Institutional Sales).

Job Profile: Led a team of 17 Tele-Callers & Sales Officers, reported to the Manager – Sales and involved in handling Sales, generating various Reports and Team Management. Responsible for sourcing business from Corporate & Individual Clients through canopies, referencing, database searches & print ads.Achievements: Instrumental in achieving the assigned Targets and also planning effective Strategies ensuring Team Members to achieve individual & overall Team Targets. Successfully monitored and strategized to help achieve team targets. Proven abilities in streamlining the pre existing systems/ processes to enhance operational effectiveness.

Successfully completed training in Corporate Communication Dept.