talha aslam

Worked as Team Leader (Relationship Manager) in Middle Market/SME Banking and responsibilities included end-to-end disbursal of Islamic Facilities to clients – solicitation, financial and risk analysis and preparation and approval of credit package. Prime Responsibilities: Handling transaction of assets including Murabaha, Diminishing Musharika, Ijarah /Leasing. (Transactions of LC’s DA /Usance, LC at Sight, Trade Business & Dealing / Comprehension of security documents) Identifying the Targets Accounts within the limits of the Institution’s defined target market and Risk Acceptance Criteria. Coordinating with DIBP’s Branches in the Southern Region, liaising with requirements of SME/Middle Market clients of the respective branches; preparing branches’ customers proposals, whenever required. Strong interaction with other internal departments of bank like Risk Management, Credit Administration, Trade Finance, Legal and Customer Services.

As an Relationship Manager my main responsibility is to assist Team Leader in implementing strategies to acquire and develop portfolio of relationships within Corporate & Investment Banking unit. Jointly and individually making out bound calls/visits to existing and new potential customers to meet business targets with a view to enhance Bank’s market share by maximizing overall risk-adjusted profitability and share of wallet for each name. Preparation and approvals of Credit Package, key responsibilities include: historical financial analysis and projections, various risks and mitigates, Industry Analysis, Covenant Monitoring, and Basic Information Report (BIR). Keeping abreast of market developments to ensure proactive actions in order to maintain quality of risk in line with Bank’s Credit Policies & Procedures. Liaison with related departments like Risk Management, Trade Finance, Operations, Branch Managers …etc to ensure the highest professional standards are provided to Bank’s customers with an end to secure both new business and to deepen the existing relationships.