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| Position wanted: |
Credit, relationship,analyst,recoveries |
| Job category: |
Banking |
| Preferred Location: |
Canada |
| Objective and Resume Summary: |
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| Seeking a position in a bank with an opportunity for advancement based on skills and job performance. |
| Skills: |
Credit Manager, Relationship Manager, Asset Analyst, Recoveries |
| Known languages (and levels): |
English-Very GoodFrench-GoodHindi-A littleOther: CREOLE
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| Type of Employment wanted: |
Full Time
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| Minimum Yearly Salary in Numbers: |
Unspecified
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| Current Location: |
Mauritius, Port Louis |
| Education History, Qualifications & other additional information: |
| Level of Education: |
Bachelor
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ACIB/BSC in Financial Services UMIST/Institute of Financial Services (Uk) (cib) 2004
The Monetary and Financial System
Management and Organisation
Marketing Management
Accounting Analysis and Planning
Business Lending
Personal Lending and Mortgages
International Trade Finance Law relating to Financial Services
Advanced Diploma in Business Administration The Associated of Business Executives (Abe) 2000
Strategic Management
Human Resource Management
Financial Management
Case Study in Business Policy
Marketing Management
Diplome D’Etude en Langues Francaise (DELF) – 1er Defre 2000
Diploma in Business Administration The Associated of Business Executives (Abe)1999
Banking Certificate CIB 1998 Supervisory Skills
Banking Certificate CIB 1996 Economics and The Bank’s Role in the Economy
Introduction to Accounting
Certificate – 3rd Level London Chamber of Commerce 1995 Economics
Certificate – 2nd Level London Chamber of Commerce 1993 Structure of Commerce
Book-keeping & Accounts
Higher School Certificate University of Cambridge 1994
School Certificate University of Cambridge 1992
Professional Memeberships
Year 2009
Fellow of the IFS School of Finance
(formerly Chartered Institute of Banking Uk)
2004
Associate Member of The Association of Business Executives
2000
Course Attended
Year
DC Gardner (Stage 2) Training 5 days course in Applied Corporate Credits (Course held in Karachi – Pakistan). 2009
Management of Priorities from Dynargie (Mauritius) 2007
Certificate on Advanced Credit Programme from Moody’s Training Services 2005
Skills in Service Plus : Beyond Customer Expectations Program 2001
Certificate of participation : Model United Nations Conference 1993
Anti Money Laundering
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| Work History & Experience: |
| Years of Work Experience: |
10 to 15 Years |
Oct 2008 - Till now Senior Relationship Manager – Habib Bank Ltd (HBL)
Responsibilities :
Head of Retail / Corporate Business Banking Unit
• Identifying prospects and conducting in-depth prospect research;
• Appraise and grant proposals;
• Maintaining the institution`s Corporate portfolio;
• Corporate visits;
• Coaching of team members and providing credit advice;
• Implementing new products and ideas for the corporate team and by working as a productive member of the team;
• Form part of the management committee of the HBL Mauritius Branch,
• Helping to develop a comprehensive Business Strategy on annual targets with Head of Marketing.
April 2007 – Sept 2008 Special Asset Executive in the Credit Risk Business Unit of The Mauritius Commercial Bank Ltd
Responsibilities :
Client Facilities Requests Management
• Attend to client requests of various type and conduct preliminary assessment to accurately evaluate requests, risks and impact on pricing
• Approve/present client file to appropriate delegation powers/committee for approval within timeframe agreed with the client.
• Liaise with client to ensure that all necessary documents are provided following approval of requests.
• Follow up on facility utilization to ensure that it is compliant with agreed terms and conditions.
Credit Risk Management
• Liaise with Head of Credit Risk for prompt remedial action and in monitoring recovery of clients port folio
• Recommend to Head of Group Risk detailed action plans/reengineering propositions/recovery scenarios to recover credits or mitigate credit risks within agree delays
• Ensure client performance and facilities are reinforced at least once a year.
Client Portfolio Management
• Conduct site visits and receive clients as and when necessary
• Anticipate clients’ needs and attend to clients’ requests accordingly.
• Manage profitability of client portfolio
Business Development
• Increasing the value of the portfolio by identifying and exploiting cross selling opportunities.
• Keep abreast of new business updates and industry knowledge at all times.
Team Support
• Take responsibility for alternates’ portfolio in their absence
• Provide coaching to team members as and when required
• Provide assistance to BU projects as and when required (Credit Bureau monitoring and BASEL II monitoring Back up)
July 1999-Dec 2002
Jan 2003 – Mar 2007 Back Office Clerk/Customer Service Representative
Credit Analyst in the Credit Risk Business Unit of The Mauritius Commercial Bank Ltd
Responsibilities :
• To provide credit assistance to Special Asset Manager and Account Executives when assessing clients’ requests for financing or re-engineering.
• Collect accurate and complete corporate and financial information on client for assessment (Feasibility study, SWOT, etc)
• Analyses all documents pertaining to clients’ requests and discusses rationale of recommendation and submit to Committee for approval
• Assists Account Executives during client meetings
• Attend to queries from customer and Credit Risk Executive
• Follows up on and monitors agreements and covenants
• Provide coaching to other team members as required
• Help in the preparation of Provisioning of non performing accounts/impaired credits with Head of Credit Risk
June 1995 - June 1999 Back Office Clerk/ Credit Officer – South East Asian Bank Ltd
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