- Business Development - Syndication, Club and Bilateral deals for Large Corporates. - End to end transaction and relationship management: originating, credit underwriting and restructuring, obtaining credit approval, negotiating and leading loan documentation, monitoring and management post drawdown. - Underwrite credit applications based on financial due diligence on Borrowers and Sponsors, financial and cashflow modeling, industry analysis, and identifying key risks and mitigants. - Develop and maintain strong relationships with Sponsors and key stakeholders such as investment advisors, arranger banks, law firms and valuers. - Handling a portfolio, which is also consisting of real estate exposure (commercial & residential) which includes buy- to-let, development, refurbishment, offices, hotels, student accommodations, logistics, corporates and syndications with ticket size ranging between £75Mio to over a £1bn.

• Managed a portfolio of corporate relationships comprising facilities (funded & non-funded) of over £60Mio across sectors including Real Estate, Textiles, Commodities, Hospitality and Fast Moving Consumer Goods Industry etc.• Handled a portfolio, which is also consisting of real estate exposure (commercial & residential) which includes buy- to-let, development, refurbishment, and warehouse term loans with ticket size ranging between £0.5Mio to £13.5Mio.• Real estate exposure covers good mix of residential and commercial assets and is scattered across UK; however 60% would fall under London, SE and SW, 20% North, 15% Midlands and remaining in other areas.• Wrote concise and well-presented credit proposals to assess the financing requirements of clients which includes working capital loans, project finance, FX facilities, cash management solutions and trade finance facilities.• Performed both qualitative and quantitative analysis of existing & prospective clients, including analysis of industry, financials/cashflows, business model, products and services, management quality and competitive advantage as well as credit facilities’ structuring and need assessment.• Maintained proactive relationships with all Product Partners, Risk, Credit & Operations, working with them to improve the level of customer service.• Ensured strong customer focus by providing a one-stop solution by liaising with internal departments (i.e. credit risk, trade, operations etc.) and external customers (lawyers, consultants, surveyors etc.).• Increased Bank’s income by providing facilities such as working capital facilities, loans, overdrafts, guarantees to existing and new customers.• Active engagement with solicitors, surveyors and insurance agents for completion of legal documentation.• Reviewed drafts of legal documents/agreements and securing all necessary and adequate legally enforceable documentation.

• Handled a portfolio of 36 clients (Avg. funded Assets approx. £40Mio) with emphasis on maximizing return on advances with use of interpersonal and management skills and generated a profitability of approx. £3.5Mio.• Offered and managed various products such as term financing for warehousing, property development loans, project financing, working capital products and treasury related products etc.

• Managed a portfolio of over 30 corporate clients, with annual turnovers ranging from £ 2.5Mio- £ 110Mio, generating profitability of £ 2Mio annually.• Marketing profitable clients by building relationships and networking.• Managed over avg. £ 25Mio in advances by ensuring excellent and growth oriented relationship through effective marketing of Trade financing services, Term loans, Credit line products including Revolving Credit facilities and Construction financing.• Prepared comprehensive credit analysis for corporate client’s portfolio relating to sectors including textile, steel,automotive, construction and foodstuff etc.• Structuring/ Restructuring of credit limits by in depth analysis of clients` current financial economic situation, future recovery, growth alternatives assisting them to overcome cash flow and working capital mismatches and minimizing credit defaults.