• As Senior Manager- Financial Advisory raised project specific debt for different customers that includes Advance Payment Guarantees and Performance Guarantees.• Successfully arrange restructuring of bank facilities for different customers.• As Senior Manager- Financial Advisory raised working capital debt for different customers and successfully on board different new customers for annual audit, internal audit and VAT advisory.

 COMMERCIAL BANK INTERNATIONAL, DUBAI, UAEAs Senior Manager in Wholesale Banking Group build Islamic Corporate Banking portfolio, build synergies with Project Management team and successfully launched Al Islami window. Manage non-performing assets of Al Islami window to ensure value maximization and recoveries.Senior Manager (Dubai Region) in Islamic Banking Group within Wholesale Banking, May 2015 – Jan 2020• Developed the financing portfolio of over AED 2 billion comprised of over 50 customers from Contracting, Manufacturing, Trading and Education sectors, generating approximately AED 30 Million in annual revenue.• Managed significant challenges associated with emerging business by building the liability book of unit to over AED 1 billion.• Negotiated with non performing borrowers of Al Islami window for workable settlement plans.• Recognized by senior leadership for achieving immense growth in Islamic asset portfolio with handsome recoveries on NPLs by demonstrating dedication, industry knowledge, and entrepreneurial spirit.

Drove credit portfolio of +AED 2.5 billion and over 50 customers consisting of different sectors; cultivated corporate relationships from local large corporates like Al Rostamani group, Al Ghurair Group, DIB Group, Hot Pack Group, and few Government entities like FEWA etc. Managed NPL portfolio of Dubai region and made significant contribution to profitability of region through restructuring and workable settlement plans.Senior Relationship Manager- Corporate Banking Group, Apr 2008 – Apr 2015/Manager Remedial (Jan 2010-Dec 2012)• Achieved excellent rating by Management for last 3 years and remained among Top performer and received various certificates of achievement and shields from Senior Management as token of appreciation.• Managed the NPL portfolio of wholesale banking by providing workable solutions through personalized strategies and action plans.• Worked out rescheduling/turnaround plans and recoveries strategies for delinquent accounts of wholesale banking portfolio through negotiations and pursuing legal action.• Reviewed Credit proposals prepared by staff to ensure accuracy & adherence to bank credit policy and other regulatory guidelines & recommended to Head Corporate banking for onward submission to respective credit committees for final approval.• Negotiated and structured facility & transaction proposals to cater both the client’s requirements and meet the bank’s broader goals. Resolved on a timely basis all client problems/queries to ensure “best-in-class” customer service. • Developed and achieved set targets on a quarterly, semi-annual and annual basis for the portfolio (which include P&L of the portfolio, portfolio mix, generation of fee income and cross-selling of other division’s products).• Monitored and optimized client business performance, performed formal reviews at specified time intervals, to ensure early pick-up of change in the client’s business or operating environment, guided junior staff.

 Build and Managed diversified credit portfolio of over AED 2.5 billion and over 50 customers consisting of different sectors. Key Accomplishments:• Earned Excellent rating by Management for last 3 years and remained among Top performer and received various certificates of achievement and shields from Senior Management as token of appreciation.• Booked corporate relationships from local large corporates like Al Rostamani group, Al Ghurair Group, DIB Group, Hot Pack Group, and few Government entities like FEWA etc.Responsible for identifying, developing & managing a portfolio of corporate client relationships.• Understanding, in detail, the client’s business and negotiating and structuring facility & transaction proposals that both cater to the client’s requirements and meet the bank’s broader objectives.• Obtaining and analyzing all relevant financial and other information regarding potential clients with a view to ensuring appropriate credit decisions are made by the bank in respect of facilities extended to the client, in line with the bank’s extant risk policies and turnaround times to clients are made swiftly (to achieve “best-in-class” response times & delivery).• Regular monitoring of client business performance, in addition to performing formal reviews at specified time intervals, to ensure early pick-up of change in the client’s business or operating environment.

Responsible for developing SME business in Faisalabad region (Faisalabad, Sargodha, Jhang).Supervise and guide a team of Relationship Managers.Development of SME business in Faisalabad Unit (Faisalabad, Sargodha, Jhang) in order to enhance the existing assets portfolio of the bank and solicit new relationships inline with the bank’s credit policy. Achieve assigned yield and business targets. • Making financial analysis, preparation of credit proposals of new relationships as well as annual renewal of existing relationships and providing effective information to the decision-makers.• Risk Analysis through various financial modeling and ensuring maximum return from credit portfolio considering risk associated with it.Achievements• Reasonable growth in quality credit portfolio and profitability of unit• Rated Outstanding and Excellent by the Management• Improvement in internal audit ratings of the unit• Reduction in non performing loans of unit

• Responsible for identifying, developing & managing a portfolio of corporate client relationships.• Understanding, in detail, the client’s business and negotiating and structuring facility & transaction proposals that both cater to the client’s requirements and meet the bank’s broader objectives.• Making financial analysis, preparation of credit proposals of new relationships as well as annual renewal of existing relationships and providing effective information to the decision-makers.• Risk Analysis through various financial modeling and ensuring maximum return from credit portfolio considering risk associated with it.

 Plan and implement the Credit Marketing activities for achieving the branch’s annual targets. Preparation of all types of Credit proposals (Fund based & Non Fund based) of fresh customers and annual renewal proposals of existing customers. Completion and obtention of security and charge documents of new and existing clients (including mortgages, hypothecation, pledge, lien and charge creation etc.) as per approved arrangements. Identification and recognition of problems, assigning proper risk and classification of Advances at quarter end. Assessment of risk involved with fresh credit proposals In addition to the assignments in Commercial Banking Group, I also have had an opportunity to assume the responsibilities of Manager Operations of different branches where I have been posted as Manager Operations. I was directly responsible for managing the branch operations which included overall supervision of the assignments of the staff. As Manager Operations one of my responsibility was the supervision of budgetary limits of various heads of the branch expenditures and taking measures to keep them under limit.