Vivek Aggarwal

• Manages Asset & Liability portfolio exceeding AED 2 Bn, atering to a diverse customer base across different industries such as manufacturing, contracting, and trading.
• Recommend credit proposals to sanctioning authorities, ensuring clear communication,in-depth financial analysis and alignment with risk management.
• Applied critical thinking abilities to break down complicated issues, assess possible answers, and reach well-informed conclusions.
• Proactively monitors portfolio performance, ensuring optimal utilization and timely repayments by recognizing early warning signals and implementing corrective measures.
• Maintained high energy and enthusiasm in a dynamic, fast-paced environment to foster team motivation and performance.
• Collaborated with various distribution channels and teams to ensure seamless business operations and exceptional client service delivery.
• Represents the bank at corporate events, effectively promoting business opportunities across diverse sectors.

• Managed a diverse portfolio of Emerging Corporates and SMEs across Abu Dhabi, Al Ain, and Northern Emirates, spanning industries such as Foodstuff, Oil & Gas, Infrastructure, IT Solutions, Logistics, Trading, and Services.
• Led a team of relationship officers to drive business development in alignment with the Bank's credit policies, consistently achieving personal and team targets.
• Conducted in-depth financial and non-financial analyses of customer statements to produce comprehensive credit reports for new requests and renewals.
• Structured tailored credit facilities to meet customer needs while maximizing the Bank's interests, ensuring robust credit risk management and profitability.
• Monitored account performance to identify early warning signs, enhancing quality by minimizing defaults and provisions.
• Achieved exceptional financial results by managing account financials to exceed growth and profitability targets.
• Drove incremental revenues through Structured Trade Services, Payments, and Cash Management Solutions.

• Drive and inspire a high-performing team of Relationship and Product Managers to successfully acquire new customers and deepen existing client relationships, consistently achieving revenue targets.
• Spearhead the submission of comprehensive credit proposals through detailed financial and risk analysis, ensuring high-quality support for decision-making.
• Assess project viability and borrower creditworthiness, delivering insightful appraisal presentations to the Credit Committee.
• Generate and present compelling loan proposals for eligible corporates, aligning product offerings with the Bank's Loan Policy to maximize customer acquisition.

Project Finance:

• Spearheaded the preparation, appraisal, and submission of project proposals with comprehensive financial projections to banks and financial institutions, securing long-term funding for strategic expansion and modernization initiatives.
• Orchestrated coordination for security creation and legal documentation, ensuring compliance and risk mitigation.

Working Capital Management:

• Responsible for day-to-day liquidity management of group having Working Capital Base of Rs 600 Cr.
• Preparation and submission of CMA applications to Banks, execution of consortium documents and timely submission of Half Yearly, Quarterly and Monthly statements to Banks.
• Liasoning with banks for availing financial products and occasionally dealing in Forex transactions.

Key Projects Handled on Job:

• Led the successful issuance of Foreign Currency Convertible Bonds (FCCB) for Vardhman Group, overseeing legal due diligence, crafting the offer circular, and orchestrating investor conferences and roadshows while negotiating with lead managers and finalizing all critical documents, including Subscription Agreements and Trust Deeds.
• Spearheaded the development and finalization of banking arrangements and accounts management policies for Vardhman Group, enhancing operational efficiency and compliance