Usman Aleem

Experience

• 

  BankIslami Pakistan Limited

  Aug 2008 - Oct 2008

  Internship Trainee

  Worked as internee in various department (Wholesale banking unit, Trade, Credit Administration, Operations)

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  BankIslami Pakistan Limited

  May 2009 - Apr 2015

  􀂾 Managing business targets, maintaining corporate portfolio, soliciting new relationships along with their trade/working capitals financialtransactions, structuring/restructuring and participation in syndications etc.􀂾 Being responsible for the achievement of budgeted revenue and profit through optimumutilization of both funded and non-funded credit facilities.􀂾 Structuring of credit proposals, Implementation of bank’s internal credit policies/legalrequirements, Central Bank rules and regulations including prudential Regulations issuedfrom time to time.􀂾 Managing thorough analysis of Borrowers balance sheets/Profit & Loss Accounts/CashFlows to assess the business operations of clients.􀂾 Advising remedial action plans to concerned business units & monitor the implementation.􀂾 Ensuring Customer Satisfaction by provision of smooth and error free services, timelyattendance to complaints and queries by establishing interdepartmental synergy and liaison. Show less

  • Relationship Manager - Corporate Banking Unit

    Jun 2012 - Apr 2015

  • Relationship Officer Corporate Banking Unit

    May 2009 - Jun 2012
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  Meezan Bank Limited

  May 2015 - Sept 2017

  Relationship Manager Corporate and Investment Banking

   Managing a portfolio size of around PKR 8.0 Bln along with marketing of new corporate relationships, consistent with the Bank’s commercial objectives with special emphasis on Islamic modes of financing to maximise the market share of the Bank Ability to achieve immediate and long-term goals and operational deadlines, to work under pressure with planned and systematic approach. Develop a portfolio of high quality assets to achieve growth targets and to review credit relationships. Monitor the credit portfolio for any exceptions and ensuring an effective internal control in compliance with the bank’s credit policy.  Prepare credit proposals and structure limits with due focus on risk analysis, mainly by accessing the financial strength, industry outlook, organizational structure & management and business acumen of the clients Hold regular meetings with existing clients to strengthen relationships and to seek trade business. Visit prospective customers to explore new business avenues, promote Bank’s products and establish potential business partnerships. Ensure that client portfolios adhere to risk policy, procedures, reporting and provisioning requirements according to SBP. Ensure approval & disbursement conditions and covenants are fulfilled and to improve the portfolio’s risk profile Providing quality services to customers and solving their problems in a timely and efficient manner.  Development of shariah process flow for approval as per Islamic modes of finance and compliance with shariah guidelines in day to day transactions. Show less

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  Askari Bank

  Oct 2017 - Feb 2018

  Senior Relationship Manager (Commercial Banking Group)

   Responsibilities include booking new relationships and maintaining existing customers, assessing their financing requirements, structuring of lines, focusing on cross-sell, ensuring an acceptable risk-return profile Being responsible for the achievement of budgeted targets and revenues by negotiating with clients, striking deals and through optimum utilization of credit facilities.  Hold regular meetings with existing clients to strengthen relationships and seek ancillary business by offering quality services in timely and efficient manner.  Review and analysis the credit proposals and structure limits with due focus on risk analysis, mainly by accessing the financial strength, industry outlook, organizational structure & management and business acumen / market check of the clients. Monitor the credit portfolio for any exceptions and ensuring an effective internal control in compliance for approvals & disbursement conditions and covenants are fulfilled and to improve the portfolio’s risk profile Show less

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  The Bank of Punjab

  Feb 2018 - now

  Senior Relationship Manager, Corporate Banking Group