Farhan Habib
Corporate and Investment Banking l Fintech l Treasury Management l Start Ups l
Dubai
Summary
An accomplished, seasoned and highly distinguished Banking Management Executive with an impressive record of close to 19 years across leading banks and financial institutions in India and UAE. Diligently managed a syndicate and bi-lateral corporate clients’ portfolio including local government entities and reputable UAE & GCC based clients in diverse sectors. Advanced financial knowledge with strong understanding of practices and procedures necessary to effectively control financial outcomes. Catalyst for lasting, significant relations by cultivating ties with different customers, regulators, banks, employees, community and industry. Broad-based management skills, with strong planning, negotiation, communication, organizational and decision-making ability.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Manager- CIB, Dubai
United Arab Bank
Dubai
11.2014 - 10.2020
- Managed AED 1.5Bn portfolio through customers from different sectors (Automobiles, Telecommunication, Building Material, Services, Real Estate, Manufacturing, General Trading and Food).
- Growing portfolio of corporate customers, with focus on enhancing customer satisfaction, product penetration and profitability.
- Remain updated on customer’s daily business activities by maintaining good relations and key contacts with clients.
- Nurturing productive customer relationships and ensuring optimal retention of existing business.
- Building on positive returns and growing Bank’s share of wallet from designated portfolio.
- Creating and offering diverse and personalized services/products to customers through liaison with team colleagues and other business areas (i.e. Treasury, Cash Management).
- Proactively identifying industries strategically central to UAE & other GCC countries based on the bank’s strategy i.e. Trade, Treasury, Real Estate, Retail etc.
- Recognized opportunities for account growth, then actualized value proposition and ensured implementation across platform. Thereby optimizing limit utilization for key relationship where mandate of management was to grow.
- Achieving financial objectives by creating and executing target plan to expand base portfolio (organically or by new acquisition).
- Maintaining proper pipelines and engaging customers by achieving and surpassing activity, sales, and other performance targets.
- Consistently and effectively managing credit and operational risks and ensuring regulatory compliance.
RM, Corporate Banking
Dubai Islamic Bank
Dubai
11.2013 - 11.2014
- Managed an AED 2.2Bn portfolio covering customers from different sectors across the UAE & GCC region.
- Successfully structured and prepared proposal to participate in big ticket transactions within allotted timelines for both bilateral and syndicate deals.
- Achieved Financial Results – Managed financial aspects of account to ensure plan is met or exceeds in both asset growth and profitability.
- Planned, developed and pursued active customer call program to attract new banking relationships.
- Kept close contact with clients and constant watch on account behavior to avoid past dues and other account misconduct.
- Extended and sustained company's relationships with contacts and customers to maintain and inflate business.
- Was part of best department team for consecutive 3 years in row.
ARM, Corporate Banking
Dubai Islamic Bank
Dubai
07.2008 - 11.2013
- Assessing and evaluating needs of clients, making customized proposals for acquiring new business, and managing existing contracts.
- Minimizing and Mitigating risk by prudently analyzing business and financial performance of clients.
- Achieving maximum profitability in each account with proper use of facilities and providing smooth service while solving all client operational issues.
- Using advanced communication and convincing skills to negotiate and close deals with many dimensions.
- Remaining conversant with basic features of products/services and applying same in daily work.
- Accomplished multiple tasks within established timeframes.
- Supported criminal investigations by collaborating fully with local law enforcement representatives
Corporate Credit Analyst
Emirates Islamic Bank
Dubai
02.2007 - 06.2008
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Complied with internal controls and government regulations.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
Education
Certificate Course in Credit Management (CCM) -
EIBFS, Sharjah
Sharjah, UAE10.2010
MBA - Marketing & Finance
Aligarh Muslim University
Aligarh, India06.2000
Bachelor of Science - Science- Chemistry
Aligarh Muslim University
Aligarh, India06.1996
Skills
- Corporate Finance
- Debt Restructuring
- Portfolio Management
- Project Financing
- Trade Finance
- Risk Management
- Financial Analysis
- Financial Modelling
- Liquidity Management
Accomplishments
- Was promoted as a relationship manager in 2013 in Dubai Islamic Bank based on consistent performance and successful management of existing relationships.
- Was part of the best department team for consecutive 3 years in a row since 2005 in Dubai Islamic Bank.
- Successfully completed Certificate Course in Credit Management conducted by EIBFS in association with Honk Kong University.
Certification
- Attended a training on Introduction of AI/Digital banking at EIBFS in 2019.
- Attended a training session on implementation of IFRS9 in UAE banks at EIBFS in 2019.
- Attended Training on Cash Flow Analysis by Fitch Training from 2012 - 2013
- Attended Training on Corporate Credit Analysis by Fitch Training in 2011
- Best Practice in UCP 600 by ICC Banking Commission in 2010
- Principles & Practice of Islamic Banking by EIBFS in 2010
- Attended a workshop on Moody’s Risk Analyst in 2009
Timeline
Manager- CIB, Dubai
United Arab Bank
11.2014 - 10.2020
RM, Corporate Banking
Dubai Islamic Bank
11.2013 - 11.2014
ARM, Corporate Banking
Dubai Islamic Bank
07.2008 - 11.2013
Corporate Credit Analyst
Emirates Islamic Bank
02.2007 - 06.2008
Certificate Course in Credit Management (CCM) -
EIBFS, Sharjah
MBA - Marketing & Finance
Aligarh Muslim University
Bachelor of Science - Science- Chemistry
Aligarh Muslim University
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