Mohammed Nihad Sarikahya
ABU DHABI,UAE
Summary
Seeking a Senior Corporate Managerial position in a dynamic team environment to drive business growth and provide outstanding financial solutions to corporate clients in construction, real estate as well as trade, services and manufacturing.
Overview
22
22
years of professional experience
Work history
Senior Corporate Relationship Manager
Abu Dhabi Commercial Bank
Abu Dhabi/Al Ain Region
04.2018 - 03.2025
- Managing a total existing corporate portfolio with an approximate value of AED 3 billion for conventional and Islamic clients
- Overseeing a corporate portfolio for clients with turnover valued at AED 300 million and above by renewing facilities and providing services to existing clients to perform daily operations
- Securing new clients by conducting in-depth financial analyses, coordinating across teams to prepare credit application approvals and overseeing client requests to ensure a seamless on-boarding experience
- Mitigating clients’ operational risk by monitoring budget cycle data and ensuring avoidance of credit, operational and fraudulent losses
- Liaising with cross-functional teams to process client applications and open new accounts as well as network with departments to provide clients with services and cash management products
- Strengthening profitable relationships with existing clients by organizing frequent in-person consultations to resolve questions, evaluate business needs and provide solutions to maintain long term relationships
- Advising clients on required facilities based on their financials and agreeing on structuring for their credit facilities, pricing, securitization and financial market solutions
- Preparing credit proposals based on assessment of financial and credit risk by collecting and analyzing client data information
- Conducting periodic reviews of existing corporate portfolios to enhance asset quality and mitigate financial risk while exploring opportunity to maximize revenues
- Monitoring and ensuring credit approval’s compliance with ADCB policies and regulatory guidelines
- Implementing and maintaining control aspects of the portfolio performance such as informal and formal credit checks to monitor clients’ assets, liabilities and services effectively
- Aligning the funded portfolio to ensure its compatibility with ADCB profitability objectives and risk management guidelines
- Scheduling and conducting client follow-up for active utilizations of facilities to increase profitability
- Creating strong working relationships with clients to facilitate business opportunities and deliver excellent corporate services
- Promoting bank’s ancillary business such as cash management products: pro-cash, pro-trade and corporate credit/debit cards
- Collaborating with Corporate, Trade and Transaction Teams to manage client requests, inform on updates, assist with procedures and verify accuracy of client service transactions
- Training new Emirati corporate hires to become Relationship Managers in the U.A.E
- Relationship Program by mentoring on bank policies, procedures, and operations to instill trainees with confident skills
Corporate Relationship Officer
Emirates Islamic Bank
Abu Dhabi/Al Ain Region
08.2013 - 02.2015
- Managed corporate Islamic clients with turnover in the range of AED 100 Million and above
- Advised clients on possible financial solutions and accordingly structured their credit facilities, pricing, and securitization
- Prepared credit proposals and assessments of financial and credit risk by collecting and analyzing credit information
- Monitored and ensured credit approval’s compliance with bank's internal policies and regulatory guidelines
- Managed Trade Finance business covering Letter of Credits (Import/Export), Letter of Guarantees and other trade products
- Reviewed existing corporate portfolio to enhance the asset quality and control risks while exploring opportunities to maximize revenues
- Implemented and maintained control aspect such as financial stock inspections and informal/ formal credit checks to monitor the assigned portfolio effectively
- Monitored the funded portfolio and ensured its compatibility with profitability objectives and risk management guidelines to ensure client avoidance of past dues or defaults
Business Relationship Manager
Commercial Bank of Dubai
Al Ain Branch
06.2007 - 05.2013
- Implemented and developed CBD’s sales plan and programs for SME business to maintain a portfolio of 100 SME accounts (Islamic and Conventional) with a portfolio value of AED 75 Million (funded and non-funded)
- Managed clients with turnover ranging from AED 5 Million to 50 Million
- Promoted bank SME conventional and Islamic banking products by making proactive sales efforts and capitalizing on cross-selling opportunities to achieve a sales target of AED 50 million
- Discussed facility requirements with clients by structuring facilities within bank policies and preparing the credit proposals for management submission
- Conducted annual reviews of existing portfolios for timely renewal with or without enhancement to increase the facilities
- Prepared security documents and coordinated with the Credit Department for uploading limits in the system to ensure successful processing and booking of facilities
- Processed Trade Finance products by coordinating across teams to issue Letters of Guarantee and Letters of Credit
- Offered transaction banking and cash management products to efficiently facilitate clients daily operation requirements
- Monitored irregular accounts with follow-up for immediate regularization of the accounts to avoid clients incurring past dues or defaults
Branch Assistant Operation Manager
Commercial Bank of Dubai
Al Ain Branch
06.2003 - 06.2007
- Exercised situational leadership by leading and organizing 15 bank employees in the branch manager's absence to ensure efficient operations and performance standards
- Organized bank security and collaborated with Al Ain Police Department during alarms to guarantee regulation of safety and security measures
- Supervised all retail duties in personal banking: account opening, deposits, remittances, personal loans, credit cards, and auto loans for existing and new customers
- Monitored all counter transactions for accuracy and speed in compliance with bank procedures
- Investigated tellers’ balance discrepancies and conducted reconciliation to ensure resolved solution-oriented outcomes for customers, staff and bank management
- Managed ATMs use and analyzed ATM transaction reports to investigate unauthorized transactions and confirm accuracy of ATM balances
- Ensured accuracy of account opening documents for a wide range of customers to guarantee a positive onboarding experience
- Resolved customer enquiries and complaints with efficiency and professionalism to ensure positive client relationships and a high level of customer satisfaction
- Provided 'B' signatures for official bank documentation to expedite internal/external operations
- Offered feedback to Head Office to improve products, service and customer satisfaction
Education
Bachelor of Science - Statistic And Computer Science
Al-Rafidain University
Baghdad, Iraq Master of Applied Finance and Banking -
University of Wollongong Australia
Dubai, U.A.E.Languages
Arabic
Native
English
Advanced
Turkish
Native
RECOGNITION AND AWARDS
- 2019, Deal of the Quarter – First Quarter 2019
- 2018, Employee of the Quarter – First Quarter 2018
- 2017, Employee of the Quarter – First Quarter 2017
- 2017, Medalist Individual Award in Inter-branch Competition – Service Excellence Award
- 2006, Medalist Individual Award in Inter-branch Competition – Silver
- 2005, Outstanding Performance as Best Service Provider – Gold
- 2005, Winner of the Golden Branch Trophy Competition for Al Ain Branch
- 2005, Medalist Individual Award in Inter-branch Competition
- 2004, Outstanding Performance as Best Service Provider – Gold
Accomplishments
2019 - Deal of the Quarter – First Quarter 2019
2018 - Employee of the Quarter – First Quarter 2018
2017 - Employee of the Quarter – First Quarter 2017
2017 - Medalist Individual Award in Inter-branch Competition – Service Excellence Award
2006 - Medalist Individual Award in Inter-branch Competition – Silver
2005 - Outstanding Performance as Best Service Provider – Gold
2005 – Winner of the Golden Branch Trophy Competition for Al Ain Branch
2005 - Medalist Individual Award in Inter-branch Competition
2004 - Outstanding Performance as Best Service Provider – Gold
Professional Training & Certification
2024 - Management 4.0: Managing Employee Engagement
2024 - Management 4.0: Managing Employee Conflict
2024 - Management 4.0: Managing Employee Coaching Sessions
2024 - Management 4.0: Managing Employee Performance
2024 - Abu Dhabi Commercial Bank Net Zero Training
2024 - Service Culture Level 3
2018 - Certified Islamic Finance Executive (CIFE)
2018 - Uniform Client Culture Level 3 – Moody’s
2018 - Islamic Banking Certification Course
2018 - Introduction to Islamic Banking & Finance Course
2017 - Documentation and Credit Administration Department Process
2017 - Unified Client Culture Level 2 – Moody’s
2015 - Islamic Banking Academy
2015 - Unified Client Culture Level 1 – Moody’s
2014 - Corporate Credit and Relationship Management Training
2014 - Introduction to Islamic Banking
2012 - Financial Statement Analysis
2011 - Financial Statement Analysis-1
2011 - Product Communication & Sales
2011 - Introduction to Operational Risk
2011 - Advanced Branch Banking Program
2010 - Islamic Banking Training
2008 - Appreciating Consumer Credit
2008 - Introduction to Financial Analysis
2007 - Advanced Selling Skills
2005 - Banking Operations
2004 - Customer Relationship Management
2004 - Quality Concepts
Timeline
Senior Corporate Relationship Manager
Abu Dhabi Commercial Bank
04.2018 - 03.2025
Corporate Relationship Officer
Emirates Islamic Bank
08.2013 - 02.2015
Business Relationship Manager
Commercial Bank of Dubai
06.2007 - 05.2013
Branch Assistant Operation Manager
Commercial Bank of Dubai
06.2003 - 06.2007
Bachelor of Science - Statistic And Computer Science
Al-Rafidain University
Master of Applied Finance and Banking -
University of Wollongong Australia
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