Muhammad Minhas Email & Phone Number

Pakistan

Assigned at Corporate Banking Department South as Senior Relationship Manager RVP

assigned at Korangi Industrial Area

Karachi

Corporate Commercial & Investment Banking

Karachi

Corporate Banking Group

Karachi

Corporate Banking Group

Karachi Pakistan

Managing a portfolio of PKR 3 Bn comprising of entities from Edible Oil, Construction and Allied and Polymer. Initiating new business opportunities with the existing clients through cross selling transactional banking productsMaximizing yield on funded and non-funded limits through higher trade volumes (export/import) and higher utilization of fund based limitsMarketing NTB clients by offering trade, working capital and transactional banking productsHandling day to day customer transactions and ensuring efficient client servicingCoordinating with various departments including Credit Administration, Trade services, Treasury Sales and Risk Management to facilitate customers’ transactions in an efficient and timely manner.Preparing Credit Proposals (CPs) for fresh and renewal of credit facilities. The CPs entails a detailed risk appraisal of the proposed credit along with the earning potentials by analyzing the business and financial risks. Moreover, it also entails a thorough analysis of the borrower’s financial statements focusing on debt servicing ability, stability of income stream through cash flow generation, liquidity and gearing ratios, turnover efficiency and cash generation cycle based on company’s historical and forecasted statements.Preparing and reviewing clients’ account profitability and limit utilization on monthly basis

Karachi

Assisting Senior Relationship Manager and Team Leader in establishing and maintaining key relationships to achieve business targets.Handling day to day customer transactions and ensuring efficient client servicingManaged a portfolio of PKR 6.0 Billion assisted by comprising of corporate and commercial clients from variety of sectors including Automobiles, Textiles, FMCG, Steel and CementPreparing Credit Proposals (CPs) for fresh and renewal credit facilities. The CPs entails a detailed risk appraisal of the proposed credit along with the earning potentials by analyzing the business and financial risks. Moreover, it also entails a thorough analysis of the borrower’s financial statements focusing on debt servicing ability, stability of income stream through cash flow generation, liquidity and gearing ratios, turnover efficiency and cash generation cycle based on company’s historical and forecasted statements.Preparing and reviewing clients’ account profitability and limit utilization on monthly, quarterly and on annual basis and creating strategies to ensure optimum utilization whilst ensuring increased churning of trade limits. Ensuring compliance with the credit policies of the bank and prudential regulations of the Regulator. Maintaining an MIS to monitor risk ratings, pricing resets, deferrals and repayment schedules.Preparing quarterly business review presentations for the board members of the bank.Coordinating with Credit Administration, Credit Risk Management, Legal, Trade & Branch Operations, Cash Management and Treasury functions to ensure smooth operations for the clients.Facilitating and ensuring clean internal and external audits through compliance of prudential regulations and correlated amendments, communicated by SBP from time to time and Bank’s policy

Master In Business Administration, Fintech, 3.40

Digital Banking Data Analytics and Visualization

Bachelor Of Science (Bs), Finance And Economics