As part of restructuring model mid of 2011, my existing role was redefined from ARM to Relationship Manager in Business Banking Division, responsibilities include: •Manage a set of existing relationships and originating new relationships in business communities around branch locations. •To achieve assigned financial & non financial objectives by meeting all borrowing & non borrowing needs of customers within target segments (Viz. borrowers, depositors). •Actively source new-to-bank customers and generate new business leads from walk-in customers. Manage all customers focusing on relationship management & up-selling/deep-selling/ cross selling other bank products. •Responsible for quality & soundness of assigned portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc). •Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products. •Maintain acceptable portfolio quality •Screen the market for NTB opportunities. •Liaise between internal and external advisors to ensure precision of agreements. •Develop on the job learning curve of CSO to enable them to grow professionally and prepare them for higher levels of responsibility. •Liaise with superiors and direct reports within the business unit, Risk Management and related enabler units within the bank to achieve business objectives. •Achieve assigned financial & non financial targets.

•Enhance relationship revenue from existing portfolio of non-borrowing accounts by cross selling and up selling complete range of banking products (mentioned below) •Initiate, formulate, agree and implement business strategies to achieve quality business growth through liabilities•Meet/exceed budgets for revenue and profitability whilst maintaining/ improving portfolio quality•Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer services•Implement and maintain complete control i.e. Documentation, Periodical client visits / call reports and informal market feedback to monitor the assigned portfolio effectively•Undertake industry and company specific research analysis•Build relationship with key referral partners within the bank to ensure constant and quality lead flow as well as quality cross-sales•Coordination, procedural issues, general market trends and information, checking on existing customers and new business contacts / opportunitiesPortfolio Size, Achievements & Rewards:•From March 2007 the portfolio size is 75 million AED till 2011.•Was assigned 100 Corporate Accounts in 2007, converted my book of business to 275 Corporate Accounts by 2011, with an annual average growth of 58 Accounts every year•Total growth within the Corporate Accounts portfolio stands at 175% upward growth till date•Have successfully sold more than 120 Mashreq Bank Online Service (MBOL)•Consistently achieved ‘On Target’ rating in Year ’07, ’09 and’10•Achieved ‘Above Target’ rating in Year ‘08•Received ‘Spot Reward’ in Year ‘10

I started off as a Sales Officer, got promoted to a Relationship Officer and then to Senior Relationship Officer within a span of 18 months. Responsibilities & Achievements included:•Consistently belonged to the Top 20% of the entire credit card sales team•Won various awards based on performance•Successfully sold Mashreq bank Credit Cards; focused on Top end Clientele for Gold and Platinum Cards •Achieved the sales targets agreed consistently•Generated awareness and interest in the company’s products in the market

•Developed business in Dubai, through referrals and existing clientèle•Managed the sales process and relationship build with customers•Ensured clients with timely deliveries and take initiation to manage the process•Build the sales team and was part of an ongoing learning program