Finance Manager, Relationship Manager, Credit Analyst, Portfolio Mgm
Resume:
ZEESHAN RASHEED KHAN
E-Mail: *.********@*****.***
Professional Objective
“Achieved High Financial Position in a Corporate “ Profile
Highly talented Middle Management professional MBA with 13 years of progressive experience in Banking and Financial Field. Career advancement with a solid track record of promotions for outstanding performance with proven ability to increase market share, outperform competition, and increase profits. Recognized as a performer consistently achieving annual financial goals.
• Strong team working, communication, leadership, interpersonal and multi-tasking skills. Proven leader demonstrating integrity, strong business ethics and the energy to influence and build responsive, competitive teams focused on continuous improvement.
• Ability to combine expert visionary, strategic, and tactical financial expertise that produces bottom-line results and financial strength. Leadership skills include ability to lead and motivate co-workers from all backgrounds, creative problem–solving and solution-oriented work style. Core Competencies
Relationship Management
Portfolio Building
Internal & External Auditing
Cost Controlling
Financial Analysis
Profitability Improvements
Financial Modeling and Budgeting
Controlling overall Operation
people Management
Work History
DIBBA TRADING GROUP
Finance Manager: From Sep 2017 – Continue
• Handle over all group Financial operation which is into different industries such as Healthcare, Trading & Real Estates.
• Managing Accounts / Finance team.
• Responsible for Banking Relationship such as Fund Raising, Arranging Letter of Guarantee and Letter of Credit different other kinds of bank facilities.
• Conduct Financial Modelling / Analysis to generate revenue and increase the profitability index.
• Working Capital Analysis to enhance the credibility of debtors and creditors in settlement and maintain the cash flow for business development.
• Preparing, reviewing, monitoring and managing the budget.
• Monitoring Day to Day financial operations with in the company such as payroll, invoicing and other transactions.
• Extended expertise in analysis of companies' financial performance as well as qualitative performance indicators, towards preparing reports/ recommending suitable corrective actions.
• People’s Management.
• Reviewing Financial Data and preparing monthly and annual report.
• Liaise with Auditors to ensure appropriate monitoring of company finance is maintained.
• Good comprehension of market knowledge, extracting financial data from various information systems; performing moderately complex financial analysis of financial reports & data.
• Supervision pertaining to proper VAT submission and it refund. Wonder Foam Trading Company Pvt. Ltd. (India)
Finance Manager: From Sep 2016 – Sep 2017
• Handle the Financial operation which is into different industries such as Healthcare, Trading & Real Es
• Managing Accounts / Finance team.
• Responsible for Banking Relationship such as Fund Raising, Arranging Letter of Guarantee and Letter of Credit different other kinds of bank facilities.
• Conduct Financial Modelling / Analysis to generate revenue and increase the profitability index.
• Working Capital Analysis to enhance the credibility of debtors and creditors in settlement and maintain the cash flow for business development.
• Preparing, reviewing, monitoring and managing the budget.
• Monitoring Day to Day financial operations with in the company such as payroll, invoicing and other transactions.
• Extended expertise in analysis of companies' financial performance as well as qualitative performance indicators, towards preparing reports/ recommending suitable corrective actions.
• People’s Management.
• Reviewing Financial Data and preparing monthly and annual report.
• Liaise with Auditors to ensure appropriate monitoring of company finance is maintained.
• Good comprehension of market knowledge, extracting financial data from various information systems; performing moderately complex financial analysis of financial reports & data.
• Supervision pertaining to proper VAT submission and it refund. Emirates Islamic Bank (U.A.E.)
Relationship Manager –Commercial banking/Corporate - From March 2015 – Sep 2016.
• Accountable for Sourcing and evaluating the customer’s requests, financial needs and strengths to structure facilities .i.e. L/C, s, LG, s, Murabaha, Ijara, project financing etc.
• Sourcing and evaluating the HNWI,s /customer’s request and offer them secured based financing
(WCL,s) upon their company against the mortgage of their properties and thereby minimizing the risk up to zero level.
• Responsible for probing into the financial strength of customer by conducting the financial analysis of audited financials to determine the credit worthiness of the borrower.
• Preparing Business Information details and Business Credit report.
• To submit the credit proposal to the team manager for onward submission to credit department.
• To response to credit queries to credit department raised by credit team about submitted cases.
• To manage and arrange fair disbursement of credit facilities.
• To resolve the operational problems for the consistant improvisation of workflow, procedures etc. and thereby improve productivity and customer service.
• Guiding and updating the customers under strict compliance strategies about the products offered by the Bank to enhance the business development process successfully.
• Portfolio building of HNWI and maintaining the existing quality portfolio successfully.
• Regularly concentrating on enhancement of deposits portfolio for the bank.
• To maintain the relationship with the existing customers.
*Underwriting
• Interview applicants to develop information concerning their businesses, banking needs and determine their capacity to fulfil all obligations to the Bank.
• Provide a timely response on all over limit credit requests within Ten (10) working days from receipt of essential underwriting information.
• Provide supervision for the lending activities of Banking Center Mangers, including communicating Bank-lending policies, and advising and controlling the extension of facilities. This includes interviewing applicants to develop information concerning their business needs, abilities and financial condition to determine their credit worthiness.
*Administrative
• Ensure client satisfaction by responding promptly to customer inquiries and requests and coordinating activities of appropriate personnel to resolve issues.
• Visit and telephone clients on a regular basis to maintain a strong, working relationship.
• Maintains a strong knowledge base of bank policies, procedures, products, pricing and educates prospects on Fifth Third Bank's advantages.
• Works as Portfolio Manager and with Collections to Work Out group to ensure corrective actions are taken regarding Watch Lists, Non-accrual or Charge off Dubai Islamic Bank (Abu Dhabi)
Relationship Officer – Large Corporate - Middle Market. June ’14 to March ’15
• Sourcing and evaluating the HNWI,s /customer’s request and offer them secured based financing
(WCL,s) upon their company against the mortgage of their properties based in UAE any thereby minimizing the risk up to zero level.
• Accountable for Sourcing and evaluating the customer’s requests, financial needs and strengths to structure facilities .i.e L/C, s, LG, s, Murabaha, Ijara etc.
• Responsible for probing into the financial strength of customer by conducting the financial analysis of audited financials to determine the credit worthiness of the borrower.
• Preparing Business Information details and Business Credit report.
• To submit the credit proposal to the team manager for onward submission to credit department.
• To response to credit queries to credit department raised by credit team about submitted cases.
• To manage and arrange fair disbursement of credit facilities.
• To resolve the operational problems for the consistant improvisation of workflow, procedures etc. and thereby improve productivity and customer service.
• Guiding and updating the customers under strict compliance strategies about the products offered by the Bank to enhance the business development process successfully.
• To maintain the relationship with the existing customers.
• Portfolio building of HNWI and maintaining the existing quality portfolio successfully.
• Regular concentration on enhancement of deposits portfolio of the bank.
*Underwriting
• Interview applicants to develop information concerning their businesses, banking needs and determine their capacity to fulfil all obligations to the Bank.
• Provide a timely response on all over limit credit requests within five (5) working days from receipt of essential underwriting information.
• Provide supervision for the lending activities of Banking Center Mangers, including communicating Bank-lending policies, and advising and controlling the extension of facilities. This includes interviewing applicants to develop information concerning their business needs, abilities and financial condition to determine their credit worthiness.
*Administrative
• Ensure client satisfaction by responding promptly to customer inquiries and requests and coordinating activities of appropriate personnel to resolve issues.
• Visit and telephone clients on a regular basis to maintain a strong, working relationship.
• Maintains a strong knowledge base of bank policies, procedures, products, pricing and educates prospects on Fifth Third Bank's advantages.
• Works with Portfolio Manager, Collections, Work Out group to ensure corrective actions are taken regarding Watch Lists, Non-accrual or Charge off.
Abu Dhabi Islamic Bank (Abu Dhabi)
Relationship Officer- Business Banking (Assets) (July 2009- Till May 2014) Responsibilities:-
• Accountable for Sourcing and evaluating the customer’s requests, financial needs and strengths to structure facilities. i.e. Goods Murabaha, LME Murabaha, Tadawul working capital, Asset Murabaha etc.
• Responsible for probing into the financial strength of customer by conducting the financial analysis of audited financials to determine the credit worthiness of the borrower.
• Preparing Business Information details and Business Credit report.
• To submit the credit proposal to the team manager for onward submission to credit department.
• To response to credit queries to credit department raised by credit team about submitted cases.
• To manage and arrange fair disbursement of credit facilities.
• To resolve the operational problems for the consistant improvisation of workflow, procedures etc. and thereby improve productivity and customer service.
• Guiding and updating the customers under strict compliance strategies about the products offered by the Bank to enhance the business development process successfully.
• To maintain the relationship with the existing customers. Achievements:
• Award of Excellence Certificate from ADIB BANK for being the Number ONE in SME Business Banking products in all over ‘UAE’ for the Year of 2011.
• Award of Excellence Certificate from RAK BANK for being the Best Sales Performer in SME Business Loan in all over ‘UAE’ for the month of Feb’09 – March’2009. Since Nov 2007 with RAK BANK (Outsource Staff) as Relationship Officer (U.A.E) Played a Pivotal role in:
• Working as part of SME banking, underwhich selling business loans.
• Now became a part of cross sale departments as well.
• Meeting with M.D or owners of the companies and giving presentation of the products.
• Achieving monthly sales target every month successfully.
• Sourcing enough quality business every month in widely affected market of U.A.E.
• Evaluating all legal documents of the company like Trade license, Bank statements, Audit Financials, in-house financials and much more.
• Evaluating the strength of the company in term of assets, turn over, stocks availibility, staffs strength, market value, and clientele etc and prepares a report on it and forwards it into the credit department.
• Providing after sale service to the customers.
• Visits to the client office to see his setup and his warehouse as well to analyze size and stock Value available here.
Since Nov’06 To Nov 07 with “LOTUS HERBALS LTD.” as Modern Trade Executive (INDIA) Played a pivotal role in
• Steering the sales from1.5 Lacs p.m. to 5 Lacs p.m. levels in a span of 10 months through FOS oriented strategy, thereby making the division operationally self sufficient.
• Bagging contract of major corporate like Pantaloon, Fortis Health Word, Big Apple, Guardian Lifecare, Spencers etc.
Instrumental in striking strategic alliances with Food Bazaar, Vishal MegaMart, Spencers, Fortis etc.
• Played a pivotal role in expanding the distribution infrastructure to C & FAS, Distributors with a direct coverage of 100 Key Account outlets with one Merchandiser thereby steering the company to five time growth from de-growth in the earlier 10 months.
• Successfully introduced many new products variants in a year to suit the changing consumer preferences.
• Designed and effectively implemented consumer scheme to boost the sagging sales of core product viz. Safe Sun, Lip Therapy and some other thereby registering 25 % growth in the product segment.
• Solving their queries and maintaining good relations with them, Completing call target, making report on group performance,
• Undertake training of the sub ordinates by focusing on competitive analysis and result orientation in the training sessions.
April 2005 to Nov 2006 with “Wipro Consumer Care as Sales Supervisor
• Handling a team of promoters, looking after all super market, hyper market being as a custodian
• Communicating the consumer offers with respective managers in different stores, implementing consumer offers by their coordination’s
• Recovered old/bad debts by reconciling past 1 years accounts of distributors
• Responsible for primary and secondary sales
• Made hold of the in Modern Trade.
• Given growth 100 % in term of sales in one year’s time.
• Get provided maximum area on shelves where SKU’S are merchandised. Summer Training with “PepsiCo India Holdings Pvt Ltd.” as Summer Trainee as part of my MBA Programme.
PROJECT TITLE : To evaluate the competitive strength of Pepsi in Allahabad.
To find out number of out lets on which soft drinks are being sold.
To find out the chilling equipments, which are available at retail Outlets?
To find out total glass strength of those geographical areas where company can have certain scope to expand
Did additional projects with “Reliance Web World” as a Promotional Programmer as a part of my Winter Training Programmer
• Did research to find the taste of customer pertaining to net using.
• Find out customer preference to services being provided by internet service providers.
• Educates customers to the services provided by Reliance Web World.
• Filled a form by them and gave them opportunity to come to the store and have a feel of Reliance Web World.
Computer Proficiency : Having strong working knowledge of working on MS Office, Inter Handling and having initial knowledge on HTML.
Extra Curricular Activities: Participated in various sports programs at hostel level while pursuing education at AMU
DESERTATION PROJECT:
Under which I did Secondary Data Based Research to observe Emerging Trends of Fast Moving Health Goods (FMHG) in Indian market
EDUCATION DETAILS
2018: Perusing ACCA Certification from UK.
2005: MBA (Full Time) from Institute of Productivity and Management, Lko, India.
2002: B.Sc. (Hons) form Aligarh Muslim University, Aligarh, India.
1998: Intermediate from Shibli National College Azamgarh, India.
1996: High School from Shibli National College Azamgarh, India. PERSONAL DETAILS
Date of Birth : 18th April 1980
Address : Flat No: 15, 4th Floor, Tea House Building, Muhallab Area, Fujairah, UAE. Marital Status : Married
Language Known : English, Urdu, Hindi
Gender : Male
Strengths : Hard Working, Love to Travel, Extrovert. Driving License No: 1416129
References
Shall be furnished upon request.
DATE: 05 -09-18
PLACE: Fujairah, U.A.E
(ZEESHAN RASHEED KHAN)
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