Mohomed Nisardeen Ashik
Abu Dhabi
Summary
Dedicated and analytical banking professional with extensive experience in credit analysis, expertise in managing and growing client portfolio within the business banking sector.
Overview
17
17
years of professional experience
Work History
Relationship Officer - Corporate Department
Siraj Finance PJSC
12.2023 - Current
- Proposals are submitted for approval with the aim of maintaining a 'zero' non-performing asset portfolio with minimum turnaround time
- Ensuring compliance with the organization's credit policies and relevant regulations
- Establish and maintain good relationships with key potential business clients in the market and to ensure closing of sale
- Visiting customers whenever required, for analyzing their business requirements
- Establish good liaison with HO, Credits, COD, CLB & Loans & TC Departments for affecting corporate customer transactions with in defined tat
Consultant for Financial Requirements
Private (For Amana Bank, Amana Takaful, Hatton National Bank, HNB Insurance, LOLC Finance & LB Finance - All Over Sri Lanka)
08.2020 - 07.2022
- Manage key corporate customers for their financial & insurance requirements effectively while optimizing the account potentials for enhanced profitability and to manage business working capital
- Elicit customer requirements, provide insurance advisory and recommend the best insurance solution
- Promote a range of insurance products while delivering the after service supportive & operational objectives
- Establish, build & manage strong work relationship with customers, insurance agents, and leasing companies
- Contribute to training & skills development of companies & staffs
- Preparing proposals for financial requirements
Assistant Sales Manager
HNB Insurance
07.2018 - 08.2020
- Maintain departmental objectives, establishing maximally effective departmental work schedules to balance workloads
- Manage an individual customer base effectively while optimizing its potentials for higher profitability & sales volume
- Identify market potentials, prospective customers, and social groups and approach strategically to acquire new clients
- Assist in developing marketing & growth strategies
- Follow up payments, documentation, and benefit claiming
- Make sure monthly/yearly targets achievements
Junior Executive - Business Banking
Amana Bank PLC
07.2015 - 06.2018
- Ensuring aggressive sales growth and developing new business prospects
- Generating business from the market through market visit
- Analyzing the business in the market and making strategies achieve the targets
- Analyze the feasibility of catering facilities to clients by carrying out a background study of the company, financials, and security placements
- Prepare and ensure quality credit
- Proposals are submitted for approval with the aim of maintaining a 'zero' non-performing asset portfolio with minimum turnaround time
- Providing financial solutions according to customer's requirements by matching the right product to facilitate needs such as working capital financing, home financing, vehicle financing
- Following up on repayments and monitoring utilization of facility limits
Underwriting Officer
Amana Takaful PLC
02.2008 - 03.2015
- Expertly negotiated with brokers and technically supported in emerging business opportunities
- Shaped and developed underwriting policies, practices and procedures to improve company standards
- Briefed agents on new services to stimulate sales
- Handles policy issuance, endorsements, temporary cover notes and renewals
- Coordinates with branches for risk evaluations and quotations
- Build strong relations with clients and brokers to help develop the business profitability
- Answer queries, concerns via phone calls emails, walk ins
- Explaining company's insurance policies and benefits to the customer/sales persons
- Checking cover notes, authorizing insurance polices, approving quotation for branch underwriters
- Submission of reports to underwriting manager
- Internal auditing of motor policies issued at branches
Education
MBA (Reading) - undefined
University of Wolverhampton
LondonFinancial Analysis and Reporting - undefined
London School of Business Administration
London01.2024
Islamic Finance and Economics Level5 - undefined
The Association of Business Executive
London01.2010
Certificate of Higher Education - undefined
ECDL Foundation
01.2009
Advanced Level - Accounting, Economics, Business Studies
Zahira Collage
Colombo01.2006
GCSES - undefined
Gamini Maha Vidyalaya
01.2003
Skills
- Financial Analysis
- Customer Service
- Negotiation
- Business Development
LANGUAGES
English
Tamil
Timeline
Relationship Officer - Corporate Department
Siraj Finance PJSC
12.2023 - Current
Consultant for Financial Requirements
Private (For Amana Bank, Amana Takaful, Hatton National Bank, HNB Insurance, LOLC Finance & LB Finance - All Over Sri Lanka)
08.2020 - 07.2022
Assistant Sales Manager
HNB Insurance
07.2018 - 08.2020
Junior Executive - Business Banking
Amana Bank PLC
07.2015 - 06.2018
Underwriting Officer
Amana Takaful PLC
02.2008 - 03.2015
MBA (Reading) - undefined
University of Wolverhampton
Financial Analysis and Reporting - undefined
London School of Business Administration
Islamic Finance and Economics Level5 - undefined
The Association of Business Executive
Certificate of Higher Education - undefined
ECDL Foundation
Advanced Level - Accounting, Economics, Business Studies
Zahira Collage
GCSES - undefined
Gamini Maha Vidyalaya
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