Portfolio management of Syndication and Advisory Transaction

To undertake various investment banking transactions and perform necessary due diligence in coordination with syndicate member banks, customer, transaction advisors to achieve successful financial closure transactions.

To coordinate with syndicate member banks, transaction advisors & customer for successful & timely completion of tasks/ operation related to various syndicated transactions.

To ensure timely repayments of Syndicated Funded & Non-Funded facilities with timely payments of mark-up/fee /other financial charges.

Liason with Credit Risk Management Division and Credit Committee on various requests, office notes, Approval in Principle (AIP) and credit memorandums moved on account of projects from time to time. Also acting as liason with Corporate Banking/Corporate Branches for timely disbursements and mark up/commitment payments.

Resolving operational issues on a day to day basis and resolve all key commercial issues in a timely manner.

To update the immediate Supervisor and Senior management in relation to the ongoing projects/transactions within the portfolio.

Monitoring and progress follow-up of all projects/transactions within the portfolio. Liason with clients, investors, regulatory Bodies, Legal Counsels and transaction/advisors/consultants for successful execution of awarded mandates.

To perform necessary due diligence of accounts to ensure compliance with SBP PRs and bank’s internal policy requirements.

To assist in annual internal and external audit of respective account to ensure strict compliance of audit observation if any.

• Identify potential clients within the allocated vicinity and meet them to know and observe them over time
• To solicit/attract new clients of good credit growth and profitability to establish credit relationship with the Bank
• Maintenance of credit relationship with existing clients & cross-selling the bank’s products (Asset as well as Liability Products) to the suitable clients
• Processing the loan applications, preparing credit proposals, identifying underlying risks, suggesting mitigants and giving definite recommendations for approval/ decline with justification to facilitate quality lending decision.
• Liasioning between the borrower and the CAD/Operation Managers in completing the following post-sanction formalities:-
o Formalities related to collateral / security including creation of charge
o Execution of Financing Agreements / documents etc
o Fulfillment of conditions precedent to disbursement, as required in the Sanction Advice.
• Maintenance of assigned accounts/ and their related files
• Coordinate periodical inspection of goods hypothecated/ pledged to the bank
• In case of any shortfall/shortage of pledged stock, follow up the client to make the shortage/shortfall good to restore the original margin/outstanding
• Follow up for timely payment of installment/repayment of loan.
• Keep an eye on the various dynamics as well as inherent risks of various sectors/sub-sectors of exposure and their impact on the borrower’s business/bank credit so that proactive measure can be taken before account deterioration
• Visit the borrower’s place of business after disbursement and keep monitoring the business at reasonable interval so that any deterioration of client’s business can be flagged /reported proactively.
• Monitoring repayment of each account in the portfolio
• Reviewing trends in credit portfolio on an on-going basis and suggesting measures to improve the quality of the portfolio
• Recovery/regularization of non-performing loan.