Shahid M

Relationship Manager

Dec 2024 - Present • 1 yr 9 mos

• Analyse corporate clients’ balance sheets, profit and loss statements, management practices and financial condition to assess credit quality, risk and business trends. • Monitor the financial health of a commercial portfolio and develop structured credit proposals in line with internal policies and regulatory requirements. • Prepare and initiate credit approval documentation, ensuring completeness, appropriate supporting documentation and alignment with credit controls. • Coordinate with Credit, Legal, Operations, CAD and other stakeholders to support efficient transaction processing and portfolio management. • Maintain client relationships while linking financial analysis and business needs to appropriate banking solutions

Trade Manager

Jun 2019 - Dec 2024 • 5 yrs 6 mos

• Performed daily accounting and foreign-currency cash transactions, including review of foreign-currency General Ledger activity. • Conducted GL reconciliation, including NOSTRO transactions, and reviewed cash position, transaction, suspense/unposted, loan and deposit reports. • Prepared and submitted monthly financial and accounting reports and reviewed monthly/quarterly profit & loss income statements. • Performed quarterly mark-up and accrual calculations and supported accurate financial reporting and control processes. • Managed trade-finance accounting and operational transactions covering Foreign Bank Guarantees, Letters of Credit, import contracts and trade-loan disbursements. • Handled collection and control of withholding tax, Federal Excise Duty and stamp duty related to trade-finance activities. • Reviewed customs declarations and goods declarations and maintained compliance with Trade/Credit Manuals, AML/KYC requirements and UCP-600. • Worked with corporate clients on trade finance and business requirements based on financial strength and operating needs.