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DHEERU XXXXXXX

Contact No.: + 971 xxxxxxxx ~ E-Mail: xxxxxxx@gmail.com



Aspiring for career enriching assignments as Customer Relationship Manager preferably into Corporate Banking sector.
Location Preference: Dubai / Sharjah

PROFESSIONAL PROFILE

A goal-driven, service oriented professional with 7.5 years of relevant experience in Client Portfolio Management,
Credit & Market Status Checking and Client Relationship Management.
Presently associated with United Arab Bank, Dubai UAE as Relationship Officer-Corporate Banking.
Fair understanding of monitoring clients portfolio performance, conducting profitability analysis, rendering sustained
advisory services for securing high ROI and increasing retention levels.
Holds excellent interpersonal, communication & organizational skills with abilities in team management & customer
relationship management.

CORE COMPETENCIES

Portfolio Management: Managing the portfolio of 30 corporate customers having trade finance facilities. Conducting the
annual renewal of these accounts and grow with the customers.

Business Development: Conducting competitor analysis by keeping abreast of market trends to achieve market share
metrics. Acquiring new customers, providing services and enhancing existing relationships with customers.

Client Relationship Management: Maintaining cordial relations with customers to sustain the profitability of the business.
Maximising customer satisfaction level by on time delivery, monitoring customer complaints and providing efficient services.
Ensuring quality delivery of services to the clients.

Corporate Banking: Business development from new & existing Corporate Banking clients, through strategic penetration
into identifying market/sectors. Putting up initial Credit proposals to book new to bank customers and restructuring the lines.
Ensuring highest standards of Know-Your-Customer (KYC) requirement supported by documentation.

WORK EXPERIENCE

Since Jul11: United Arab Bank, Dubai UAE as Relationship Officer-Corporate Banking

Significant Highlights:
Honour of being the Best Performer in CBG Dubai Team in terms of booking 7 new borrowing accounts with total limit of
AED 106 Mn with limit ranging from AED 7 Mn to AED 35 Mn; secured deposit of AED 25 Mn in last one year.
Played a stellar role in generating total net banking income of AED 9.9 Mn in last one year from Fees, Utilization, FX, etc.
Instrumental in sourcing of new business as a result of maintaining healthy customer relationship.
Involved in the analysis of Audited/In-House Financials of prospective/existing clients after spreading in Moodys.
Efficiently initiated Credit Application including all relevant information highlighting associated risks and mitigates.
Prepared facility structure keeping in view the requirement of the client and their credit worthiness.
Responsible for replying to credit/HO queries regarding the proposals.
Successfully managed the process of conducting renewals of facilities of the existing clients.
Effectively tracked the weekly past dues and pursued clients in this regard.
Pivotal in monitoring monthly utilization of Funded/Non Funded lines and reporting to SVP & Area Manager.

May10 Jun11: Union National Bank, Dubai - UAE as Officer-SME Banking

Significant Highlights:
Deftly organized promotional programmes (Awwal Certificate) to improve sales & attain set goals in sales.
Demonstrated business excellence in booking 60 plus business loans of AED 750K and was awarded with the Performer
of the Month award twice.
Successfully applied various methods to accomplish targets on monthly, quarterly and yearly basis.
Stellar role in initiating Credit Application including all relevant information highlighting associated risks and mitigates.
Prepared loan products in line the requirement of the client and their credit worthiness.
Attended transactions (Referral & Inward Clearing) on the system in the absence of the SRM.

Mar08 Apr10: National Bank of Fujairah, Dubai UAE as Credit Analyst-Commercial Banking

Significant Highlights:
NBF a mid size bank concentrating mainly towards corporate lending. Commercial Banking catered to clients with
turnover between AED 15 Million and AED 100 Million. Played a key role in backing up a RM in handling about 35
borrowing clients at a time having different Trade Finance and Loan products.

Mar04 Feb07: Saurabh Gaur & Co. (Chartered Accountant Firm), Lucknow as Senior Audit Assistant

Significant Highlights:
Played a key role in conducting following assignments-
o Credit Appraisal for Kotak Mahindra Car Finance.
o Field Investigation for Loans.
o Gram Panchayat Accounting Work.
o Done marketing for IT product PRIAS.
o Statutory Audit of Three branches of Canara Bank in 04-05.
o Tax Audits and Stock Audits.
o Internal Audit for 04-05 of U.P.R.V.U.N.L. (Uttar Pradesh Rajya Vidyut Utpad Nigam Limited) Paarichha
Thermal Power Project Unit.
o Internal Audit for 05-06 of U.P.R.V.U.N.L. Head Office, Shakti Bhawan, Lucknow.
o Conducted training on Fuel Accounting Manual in 3 units of U.P.R.V.U.N.L.

ACADEMIC & CREDENTIALS

MPFB (Master of Professional Finance and Banking) from Edith Cowan University, Western Australia in 2008 with
1
st
Division.
B.Com. from Lucknow University with Accounts as major in 2001.

Other Qualification:
Completed 3 Years Advance Diploma (2004) in Computer Software (G-NIIT Programme) in 2003.

IT Skills:
Proficient in T-24 Banking Software & Moodys Risk Analyst.
MISYS & SBS Core Banking System.
MS Office Tools (Word, Excel & PowerPoint).
Internet Applications.

ACADEMIC PROJECT

Completed group project during MPFB on comparing ICICI bank, India and ANZ Bank, Australia on the basis of Capital
Risk, Liquidity Risk, Credit Risk & Interest Rate Risk and won the 1
st
Prize.

TRAININGS & WORKSHOPS

Attended workshop on Risk Management conducted by T.N. Shekhar, Head of Risk Management in National Bank of
Fujairah, UAE.
Completed workshop/training on Basel-II, Negotiation skills and Advanced Trade Finance in National Bank of Fujairah.
Attended 2 Months - Self Development Workshop conducted by Bangalore Management Academy.
Successfully completed following trainings:
o Credit Analysis - 4 days Programme held by D C Gardner in Jebel Ali.
o Banking Operations and Credit & Advanced Credit Skill in Union National Bank in 2010.
o Training on Moodys and Legal & Security Documentation in EIBFS conducted by UAB in Mar 2011.

PERSONAL SNIPPETS

Date of Birth: 23
rd
July, 1980
Address: P.O. Box 4579, Dubai
Languages Known: English and Hindi
Nationality: Indian
Passport No.: G5246226
Visa Status: Residence
Driving License No.: UAE Driving License Holder
Marital Status: Married
No. of Dependents: One

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