KASHIF NAVEED Pernawan Phool Nagar Distt Kasur Pakistan 55260. Phone- 0092-49-400 64 38 Cell No-0092-334-4070125
[email protected]
Objective: To pursue a career in a progressive organization that provides opportunity for career growth and professional development in order to groom overall personality. Experience: HSBC Bank Middle East Limited. 23,2009
Dec 17,2007-Aug
Worked as Relationship Manager (Premier Banking) with HSBC Bank Middle East Limited Abu Dhabi Branch, Regional Head office UAE. Saudi Pak Commercial Bank Limited. 03, 2007
July 25,2006-Dec
Started career as Relationship Manager (RM) with Saudi Pak Commercial Bank Limited Thokar Niaz Baig Branch Lahore (currently Silkbank Limited). Achievement: Growing deposits from AED 15 million to AED 60 million in Premier Banking Group portfolio. Key Roles & Responsibilities • • • • • • •
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Provide pro-active relationship coverage as per client’s needs. Originate new-targeted clients. Generate new business to achieve defined sales targets Strong customer service orientation. Build and deepen relationships with existing Excel and Priority customers to achieve increase in share of wallet and revenues. Provide truly professional customer service to achieve a high level of customer satisfaction and retention. Recommend improvements in operational processes, procedures and products based on monitoring of customer feedback to ensure constant enhancement of service levels and efficiency. Review and recommend credit applications and follow-ups including loan documentation. Implement cross-selling and other relationship building activities Develop and maintain an external network within the market (i.e. prospective clients, industrial and local market). Evaluating and recommending credit proposal according to regulations and policy.
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Responsibility for the overall credit quality of portfolio. Maintain teamwork between the service and sales team in order to maximum results. Develop strong inter employee relations within the operational and service area. Resolve non-routine customer problems/complaints related to services. Manage the customer area of the branch during peak service periods. Minimize branch’s exposure to operational and regulatory risk. Attend to all correspondence pertaining to operations. Preparation and submission of MIS reports to Head Office on due dates. Performing on-site due diligence of the borrower and working with the relevant teams involved in the lending area in order to prepare credit proposals addressed to various committees. Keeping abreast of the market evolution as well as developments of the individual accounts. Assist Senior RMs in providing clients with comprehensive advisory services. Check documentation and ensure compliance with regulatory requirements. Develop comprehensive customized financial plans based on client risk profiles. Continuous monitoring of client portfolios (quarterly reviews and annual rebalancing). In agreement with the Senior RM Research competitive offering and solicit client feedback for new product ideas. Escalate customer suggestions/concerns to the Senior RM. Undertake all, non-routine client contacts with the prior agreement of the Senior RM. A clear understanding of complex transaction structural issues as well accounting, funding, and legal regulatory (compliance). Superior verbal and interpersonal skills, negotiation skills at all levels in a multicultural environment
Academics: Degree MBA (Finance) B.com (Bachelor in Commerce) I.Com (Intermediate in Commerce) Matric (Secondary School
Institution Preston Institute of Management Sciences and Technology (PIMSAT) Karachi. Hailey College of Commerce, University of the Punjab Lahore.
Grade/ Divisio n Cont 1st
The Best Career College of Commerce Pattoki.
1st
Govt High School No 1 Phool Nagar Distt Kasur.
1st
Certificate) Professional Qualification: Currently doing DAIBP from Institute of Bankers Pakistan (IBP).
Computer Proficiency: • • • • • •
Ms Word, Excel, Power Point, Access Internet and Email Data Base Management Systems Html, Xhtml, JavaScript, CSS Computerized Accounting E commerce
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English Urdu Punjabi
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Playing cricket Reading Books Adventure Gardening
Language Proficiency:
Extra Activities:
Personal Profile: Father’s Name NIC Number Nationality Domicile Date of birth Religion Marital Status
Abdul Khaliq 35103-0745763-9 Pakistani Kasur 02-11-1986 Islam Single
References: Reference will be furnished if required.