Taimoor Khan
Corporate Banking
Lahore
Summary
Dedicated Banking professional with history of meeting goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best achieve organizational objectives. In depth exposure to the Sugar Manufacturing, Textile, Cement , Power and Agricultural based business financing solutions.
Overview
16
16
years of professional experience
5
5
years of post-secondary education
3
3
Certificates
2
2
Languages
Work History
Unit Head - Corporate Banking
MCB Islamic Bank Ltd
Lahore
06.2018 - Current
- Leading a team of Relationship Managers catering to large local corporate groups. Devising road maps for the team to achieve assigned targets.
- Supervising a large funded portfolio with 55% average utilization and net average earning spread of 1.00%. (2021).
- Trade and Guarantee business generated (1.25 times per annum) through assigned portfolio while ensuring documentation to mitigate risks and secure business interests of the bank.
- Restructuring/Rescheduling of Non Performing Accounts.
- Supervised and coordinating Audit Inspections(Regulatory/ External/ internal).
- Review of renewals and other credit related requests
- Coordinated the Central Bank Audit 2020. Presented process overview to the Central Bank inspection team and responded to related queries in this regard.
- Contested Central Bank(SBP) observations and minimized objections by 40% pertaining to Corporate Banking portfolio.(2020)
- Responsible for periodic regulatory and internal compliance report screening, review and submission for onward communication to SBP
- Developed and maintained courteous and effective working relationships.
- Delivered services to customer locations within specific timeframes.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Senior Relationship Manager - Corporate Banking
MCB Islamic Bank Ltd
Lahore
10.2015 - 05.2018
- Marketed and Managed a large fund based lending portfolio with 65% average utilization and net average earning spread of 1.75% (net of costs).
- Generated x1.25 Trade and Guarantee business (per annum) through sanctioned lines. Ensuring documentation and covenants to mitigate risks and secure bank’s business interests.
- Booked two new customers and increasing aggregate portfolio size by 25% after obtaining clearances from all relevant functional departments and top management.
- Researched current trends to identify prospective customers and determine specific needs.
- Worked with clients to address and respond to client and partnership management issues.
- Planned and attended meetings with clients to cultivate and grow partnerships and opportunities.
- Requested customer feedback to drive client satisfaction and retention while quickly remedying issues.
- Worked with branch partners to maximize sales efforts to business customers and cross-sell other products and services.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Developed new banking relationships with business prospects.
- Complied with established internal controls and policies.
- Supported Unit Head with special projects and additional job duties.
- Prepared and reviewed internal and regulatory reports to meet prudential regulation requirements.
Senior Relationship Manager-Corporate & Commercial
MCB Bank Ltd
Lahore
01.2014 - 09.2015
- Worked with clients to address and respond to client and partnership management issues.
- Researched current trends to identify prospective customers and determine specific needs.
- Planned and attended meetings with clients to cultivate and grow partnerships and opportunities.
- Developed new banking relationships with business prospects.
- Manage credit relationship with medium to large sized organizations from induction, to loan disbursement, performance monitoring and settlement. Preparation of credit proposals, one off requests, waivers, and policy deviations.
- Analyzing customer performance through periodic financial reports, competitor analysis, media updates, market checks, repayment behavior, yield calculations, risk ratings, to substantiate and propose account strategy.
- Arrangement of insurance, joint stock inspections, stock position monitoring, drawing power calculations.
- Negotiation, terms and conditions of lending.
- Responding to Sharia Audit, Internal Audit, Compliance, and Risk Management.
- Developed summaries to assess each client's participation level and determine targets for follow-up plans.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
Relationship Manager-Corporate & Commercial
MCB Bank Ltd
Lahore
01.2011 - 12.2013
- Worked with Product and Sharia departments to facilitate communication and deliver personalized solutions to customers.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Generated new business and referral clients in partnership with branch team.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Achieved client satisfaction and loyalty by establishing collaborative relationships, facilitating needs assessment.
- Educated customers about Sharia Compliant alternatives solutions and processed transactions.
- Supported Unit Head with projects and additional job duties.
- Prepared portfolio projections, cost analysis and monthly, quarterly and annual reports.
Relationship Associate-Corporate & Commercial
MCB Bank Ltd
Lahore
01.2009 - 12.2010
- Generated new business and referral clients in consultation with managers and branch team.
- Worked with Documentation and Risk Management departments to facilitate communication and deliver solutions to customers.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Educated customers about available products and services.
- Compliance of business transactions and security documentation requirements through liaison with internal departments and external agencies.
- supported Managers in processes starting from induction, to loan disbursement, performance monitoring and settlement.
- Supported team in preparation of credit proposals, one off requests, waivers, and policy deviations.
Management Associate -Management Trainee Program
MCB Bank Ltd
Lahore
08.2008 - 12.2008
- Conducted research to assist with routine tasks during departmental rotation program.
- Successfully completed training and onboarding process to the Islamic Banking Division of the bank.
- Produced letters and memoranda to inform stakeholders of business decisions.
- Delivered top-notch administrative support to office staff, promoting excellence in office operations.
Customer Service Representative - International
I2c Incorporated
Redwood California/ Lahore
10.2004 - 10.2006
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Provided primary customer support to internal and external customers.
- Collected and analyzed customer data to prepare inbound call reports.
- Recorded account information for onward reporting to management.
- Trained and mentored new hires for customer service team in California and Pakistan.
- Prepared and maintained trouble shooting manual through liaising with other teams.
Education
MBA - Finance & Banking
Lahore School of Economics
Lahore, Pakistan 09.2006 - 07.2008
Bachelor of Science - Computer Science
Mohammad Ali Jinnah University
Islamabad, Pakistan 09.2000 - 04.2004
Skills
Syndications
NPL Restructuring and Rescheduling
Team Management
Structured Financing
Financial Analysis
Credit Rating
Computer Science
Data Analytics
Accomplishments
- Awarded “Spot Award” in August 2010 and June 2012 for extraordinary Service Quality. (MCB Bank Ltd)
- Awarded “Employee of the Year” in 2006.(i2c Inc/Innovative Pvt Ltd)
Certification
JAIBP Stage 1 - Institute of Bankers Pakistan
Timeline
Unit Head - Corporate Banking
MCB Islamic Bank Ltd
06.2018 - Current
Senior Relationship Manager - Corporate Banking
MCB Islamic Bank Ltd
10.2015 - 05.2018
Senior Relationship Manager-Corporate & Commercial
MCB Bank Ltd
01.2014 - 09.2015
JAIBP Stage 1 - Institute of Bankers Pakistan
07-2013
Relationship Manager-Corporate & Commercial
MCB Bank Ltd
01.2011 - 12.2013
Islamic Banking Certificate (National Institute of Banking and Finance, Pakistan)
07-2010
Core Finance Banking Certificate
06-2010
Relationship Associate-Corporate & Commercial
MCB Bank Ltd
01.2009 - 12.2010
Management Associate -Management Trainee Program
MCB Bank Ltd
08.2008 - 12.2008
MBA - Finance & Banking
Lahore School of Economics
09.2006 - 07.2008
Customer Service Representative - International
I2c Incorporated
10.2004 - 10.2006
Bachelor of Science - Computer Science
Mohammad Ali Jinnah University
09.2000 - 04.2004