The primary task is to provide a sound, logical, timely and business-oriented recommendation on an ongoing basis (and in particular at the time of annual / semi-annual reviews) on the assigned corporate portfolio through a detailed analysis of the macro environment, industry dynamics, business model, current financials and future projections of the existing and potential customers. Job Description: • Analyzing corporate financials and formulating a credit opinion in accordance to internal defined credit policy, to assist the Relationship Manager(s) in deciding to pursue new/continue borrowing relationship with the particular entity. • Conducting annual review on existing clients and recommending limit structuring, pricing, security and covenants, • Assisting the Relationship Manager(s) during the full deal cycle – marketing to new clients, preparing the credit proposal, handling queries from credit committee/senior management, working on the timely preparation of facility documentation and ensuring limits are implemented in the system and disbursed to customer once signed documentation is received. • Recommending changes to existing credit policies & procedures as well as methodologies to assess all kind of credit & market risks. • Liaison with other cross functional departments i.e. Credit Administration, trade, product etc. in order to ensure completion of all formalities & legalities of credit transactions.• Preparing ad-hoc reports requested by the Relationship Manager/Senior Management/NBK Group. • Keeping abreast of issues related to credit & market risk, compliance and legal in the endorsement of credit. • Ensuring compliance with defined credit risk management policies and procedures.

The primary task was to increase both the assets and liabilities portfolio of the bank through a thorough research of the requirements of existing and potential customers and then persistent marketing of the appropriate credit / liability products keeping in mind the risk / reward for the bank. The success can be measured by the fact that by then end of 2012, I was managing Commercial & corporate Portfolio worth USD 22.3Million in Assets and USD 2.3Million in Deposits. Job Description Business Development• The majority of deals generated were converted into highly profitable clients 'Landmark deals’, i.e. Deals which due to their size, structure or originality were regarded as exceptional. Trade Finance • In depth knowledge of trade finance products (i.e. Export and Import Financing, Letter of Credit & LGs) enabled to offer structured trade financing solution tailored as per customer requirements which added value to the business concern. Client Management • Customized Business Financing Solution for Commercial / Corporate customers.• In-depth ‘Potential Enhancing Analysis’ on Key Accounts and building timely business pipelines via constant follow ups.• Achieve operational excellence by managing internal stakeholders i.e. Trade, Operations & Branches. • Industry & sector analysis for forecasting growth and setting targets & analyzing the market. • Detailed Business and Financial Analysis for Credit Approvals, while ensuring highest level of confidentiality.Cross Selling• In order to cater the growing and diversified requirements of client, novel 'packaged' products were tailored through the engagement of product partners (i.e. Bancassurance, Payroll, Cash Management etc.) Risk Management • Maintained and built a portfolio of clients within an acceptable risk/ reward ratio within the defined confines of the risk management framework laid by the bank or other statutory authorities (Central Bank i.e. State Bank of Pakistan).

• Marketing and selling credit products (assessing the credit worthiness of various corporate customers of the Bank) and other financial services offered by the Bank to current, and prospective corporate clients.• Cash Mobilization, Cross Selling of bank services and products. Emphasize on package dealing, optimum utilization of credit limits for maximum portfolio returns.• Liaison with Centralized Credit Administration Department in order to make sure all credit transactions are complied with bank’s credit policy. Moreover, to ensure compliance with central bank defined prudential regulations.• Acted as trainer to train new entrants by providing in-depth detail about trade finance solution offered by bank.

• Responsible for managing and servicing portfolio comprises of high net worth individuals and corporate clients. To provide them personalized services financial needs in an environment of trust and confidentiality.• Raise staff awareness through training and implement Group & Local policies on AMLP (Anti Money Laundering Policy) through master classes and other OL (Organizational Learning) designed training programs.• AML (Anti Money laundering)-Report monitoring - review & responding to reports daily, weekly and monthly. Highlighting any suspicious activities and also activity monitoring & timely closures of STR/s (Suspicious Transaction Report) raised.

• Interacting with Corporate and individual clients for investments product sales and to offer them investment solutions based on their risk appetite. • Conduct trainings and awareness workshops in branches and corporate customer premises. • Developing, designing and publishing of quarterly wealth management circular in coordination with marketing team.• To ensure each individual branch achieves the assigned targets.• Liaison with asset management companies for marketing strategies to boost sales.

• Responsible for generating sales from Auto Dealer’s Channel of SOUTH region comprises of 47 car dealerships (covering Sindh and Baluchistan provinces) and also provide them customized deals for corporate clients i.e. Pharmaceutical companies, Textile industries etc. • Looking after Payment Disbursement of bank’s authorized dealerships of entire SOUTH region.• Responsible for the securitization of bank asset (car) by keeping proper track of registration slips & books from authorized car dealers.• Looking after customer complaints, insurance problems, fraudulent activities & other miscellaneous issues.• Maintaining and rolling out the different MISs countrywide for higher and medium management.