Responsibilities include:Maintained and administered a portfolio of 32 large local and multi-nationals corporates with an objective to enhance the business by providing them services such as working capital finance, trade services, capital financing, cash management and treasury services. Roles and Experience:Relationship Management – Maintained a portfolio of 32 top tier customers ranging in various industries such as Textiles, Pharmaceutical, Food and Confectionary, Auto Mobile Industry, Power Generation, Electrical & Home Appliances and Oil Refinery/marketing. Business Development – Prepared reports and presentations for customers and other external stakeholders. Explored new avenues of cross border business working in coordination with various international offices in order to provide global banking solutions and structured products for cross border financing for existing customers. Further, tailored financial products/transactions to suit the customer’s needs with the objective of obtaining new wallet share.Credit/Risk Assessment – Prepared periodic risk review reports/credit reports/credit analysis of the customers entailing a detailed Industry Analysis, Financial Analysis, Operational Risk Review and Management Risk of the client. These reports were prepared for credit approval of transactions from relevant departmentsFinancial Modelling & Sensitivity Analysis – Forecasted customer’s financial statements for the period of financing and conducted sensitivity analysis of various factors to establish the customer’s ability to repay.Reporting and Monitoring – Generated periodic reports for the review of management on account performance and monitoring of KPIs for self-evaluation.Training and Development – Managed and trained a team of Relationship Associates to graduate into Relationship Manager’s role. Also conducted training sessions for graduate trainees to acquaint and familiarize them with the operations of CBG.

Assisted the company to diversify the product range and formulated buying strategies to maximize margins which included various sourcing options. Introduced/integrated ERP system for automation of records such as buyers/sellers and inventory. The automation of records helped eliminate unnecessary man-hours hence helped reducing costs. Identified new institutional/corporate customers and provided in roads to the sales team, which eventually led to growth in turnover.

Responsibilities include:Acquisition of new-to-bank corporate customers and developed strategies to obtain Business growth. Provided innovative solutions with respect to working capital finance, trade services, capital financing and cash management in order to penetrate the market and increase wallet share.Roles and Experience:Relationship Management – Enhanced the portfolio of diverse corporate clientele from a meagre 4 customers to 25 top tier customers ranging in various industries such as Textile, Telecommunications, Manufacturing of Pipes, Confectionery and General Trading Companies.Business Development – Prepared presentations and formulated sales pitch for acquisition of new customers and to penetrate the market. Developed penetration strategies via product customization, price skimming and exceptional customer service/turn around time.Conducted Geographical analysis for concentration of customers and business volume in order to bring the bank to the customer.Cross-selling other bank services while generating maximum earnings from the portfolio and maintaining a benchmark yield by way of business reciprocity and/or high spreads.Credit/Risk Assessment – Conducted periodic risk review reports/credit submissions of the customers entailing a detailed analysis of the Industry, Financial Statements, Operational Risk and Management Risk. Financial Modelling & Sensitivity Analysis – Forecasted customer’s financial statements based on various assumptions to match the financing period and conducted sensitivity analysis of various factors to establish the customer’s ability to repay.Negotiated the terms & conditions of financing and executed legal (finance agreements) documentation in liaison with in-house and panel lawyers to suit the specific nature of the transaction/facility.Reporting and Monitoring – Generated periodic reports for the review of management on account performance and monitoring of KPIs for self-evaluation.

Responsibilities included:Assist the Senior Relationship Manager in day-to-day transactions of the customers and administration of the portfolio. Customers included Investments Banks, Leasing Companies, Brokerage Houses and other Financial Institutions. Roles and Experience:Close liaison with all FI clients from a relationship management perspective through regular calls, relationship assistance and internal documentation.Timely and accurate preparation of detailed credit submissions with core focus on credit quality. Reports generally incorporated a detailed Industry Analysis, Financial Analysis, Management Risk and Operational Risk.Preparation & close monitoring of client facilities repayment schedules for internal purposes and follow-up for timely repayment.Close liaison with inter-departmental stakeholders for smooth flow of FIG transactions.Deals – In addition to regular relationship management, I initiated and executed 5 major deals. Allied Bank (Rated, Listed, Unsecured & Subordinated Term Finance Certificate), IGI Investment Bank Limited (Rated, Listed & Secured Term Finance Certificates), Security Leasing (Privately Placed Term Finance Certificates), Pak Oman Micro Finance Bank (Solicited and assisted to establish cash management facilities)& Security Leasing (Long Term Syndicate Finance).

Negotiated various deals involving outright sale and purchase of Pakistan Investment Bonds, T-Bill’s, Re-purchase arrangements and clean lending. Valuation of Pakistan Investment Bonds (treasury bonds) and Treasury Bills. Writing of the daily Money Market Report; these reports were related to the activity taken place in the Money Markets of Pakistan.