Summary
Overview
Work History
Education
Skills
Timeline
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AAMIR HUSSAIN

AAMIR HUSSAIN

Kampala,102

Summary

Internal Use To, The Head of Human Resources Kampala, Uganda Dear Sir/ Madam, I am writing to express my keen interest in the senior position in Commercial Banking you currently have available. With 20 years of experience in business development, strategic sales, customer service, and financial management within the consumer banking sector, I believe I would be a valuable addition to your esteemed Bank. Throughout my career, I have consistently demonstrated exceptional proficiency in banking operations, strategic sales & marketing, business development, and client servicing, resulting in significant contributions to the gross turnover of my previous employers. I have been recognized as one of the top performers, receiving certificates, honors, awards, and letters of appreciation. I possess key skills in team management, revenue generation, cross-selling, building strong client relationships, and effective communication. My results-driven attitude and ability to perform well under pressure make me confident in my capacity to add value to your organization. Sincerely, Aamir Hussain CAREER OBJECTIVES Head SME (Commercial Banking) with a versatile personality working in a competitive environment of an MNC vying for Superior Customer Satisfaction. A performance-oriented individual maintaining high standards of professionalism and dedication through qualitative self-learning. I believe in cutting a niche for myself through hard work and professionalism. I am a self-motivating person and believe in being an active team player. DESIGNATION: Relationship Manager – Corporate Banking Client-focused relationship manager, dedicated to exceeding client expectations, maintaining strong, fruitful working relationships with customers to gain their trust and respect, and offering these core strengths: Create and support client retention strategies for the existing customer base and for new customers. Strengthened working relationships with clients, utilizing excellent communication techniques. Customer care skills – Solutions-oriented and results-driven attitude. Strive for success and growth. Develop and implement account plans that build a strong long-term relationship with clients. Addressed client needs and built financial plans while striving to outperform and exceed prior profitability and revenues. Built and managed high-performing account teams – Hired qualified candidates, created high-performing teams, and managed these teams to their highest performance, reaching the firm’s established goals. Sought out and maximized opportunities for account growth. Strive to deliver Client Satisfaction – Established vision and strategy of account plans. Ensured that the accounts plan aligned with Recognized opportunities for account growth, then actualized the value proposition and ensured implementation across the platform Achieved Financial Results – Managed financial aspects of account to ensure the plan is met or exceeded in both growth and profitability client objectives and interests in order to exceed the client’s expectations.

Overview

26
26
years of professional experience

Work History

Head

I&M BANK
KAMPALA
09.2020 - Current
  • Commercial Banking)
  • Major Responsibilities included
  • Support the Chief Business Officer in drawing up and implementing a business strategy aligned with SME banking
  • Provide effective leadership and direction to the team under your management to ensure the execution of business strategy and achievement of the financial and other objectives identified in the strategic plan within agreed timelines
  • Provide supervision, monitoring, training, and mentoring staff, evaluate performance and make recommendations to management on branch management to keep a motivated team to achieve productivity and performance
  • Drive efficiency in the department by advising and implementing optimal balance sheet, off-balance sheet & transactional mix of products & services
  • Recommend changes & solutions required to meet target customers’ expectations whilst fully in compliance with bank policies
  • Plan review, formulate and implement strategies necessary to acquire and sustain accounts in the SME sector of the market
  • Maintain a comprehensive database of existing relationships and establish a mechanism to grow it as well as expand it through the recruitment of new bank customers
  • Review applications for credit facilities (in line with the Bank’s policy) and make appropriate recommendations/decisions) for onward approval by the bank’s credit committees
  • Analyze and monitor market trends, interpret, and carry out research on industry trends, regulations, and the latest products with the view of improving the credit origination and appraisal process
  • Initiate and conduct regular customer visits to cover review and general inspection and assessment of business operations, property, premises, plant, equipment, or any other collateral on an ongoing basis and subsequently submit a call report for management’s consumption
  • Ensure the team manages the assigned credit portfolio and monitors the quality of existing credit relationships on a continuous basis
  • Monitor, follow-up, and track Risk Triggers, covenants, and conditions for running facilities/credit facilities vailed
  • Initiate and carry out recovery action on deteriorating, watch list, and non-performing credit facilities
  • Ensure that branches achieve their SME financial targets to grow the customer base i.e
  • Their volumes and value
  • Ensure that branches grow the commission and fee income calculated at the branches, as per advised targets
  • Periodic review of staffing levels in the team and ensuring that the right headcount and right staff are in the right places to maximize performance
  • Identify training gaps, and competence levels and consult with employees to facilitate their personal development and recommend training programmers
  • Offer advisory services to branch managers, provide credit training, and facilitate them to onboard SME clients.

Manager

ORIENT BANK LTD, KAMPALA
08.2017 - 05.2017
  • Trade & Manufacturing (Corporate Banking)
  • To Market the Bank’s Products, and services and manage an assigned portfolio of corporate customer relationships through a proactive approach with the aim of maintaining and growing existing clientele while acquiring new profitable banking relationships
  • Solicit/generate new sales opportunities to achieve defined sales targets in revenue, liabilities, assets, and off-balance sheet items (LCS and guarantees)
  • To grow & expand customer wallet share in line with the bank’s strategic direction
  • Anticipated and recommended solutions /changes required to meet target customer’s banking requirements whilst fully in compliance with Bank policies
  • Interpret customer requests while analyzing and monitoring market trends/dynamics with the view of providing holistic integrated solutions to the customer
  • Plan review, formulate and implement strategies necessary to acquire, grow and sustain banking relationships in our target sectors of the market
  • Review and maintain a comprehensive database of existing relationships and establish a mechanism to maintain existing customers
  • Review applications for credit facilities (in line with the Bank’s policy) and make appropriate recommendations for onward approval by the bank’s committees
  • Carry out research on industry trends and latest products with the view of improving the bank’s customer offering and subsequent credit appraisal process
  • Offer advisory services to clients under your portfolio to cover areas such as new industry information, new products, services from the bank, etc
  • Initiate customer site visits to cover review, inspection, and assessment of business operations, property, premises, plant, equipment, etc
  • On an ongoing basis and subsequently follow through with a call report for management’s consumption
  • Manage an assigned portfolio of clients (borrowing & nonborrowing) and monitor the quality of existing credit relationships on a continuous basis
  • Monitor, follow up, and track agreed/approved covenants, terms, and conditions for credit facilities availed
  • Using the Bank’s credit risk procedures and guidelines, a first-level review, analysis, and screening of customer requests/applications must be conducted
  • Through various reports circulated on a daily basis - maintain daily monitoring & control of existing credit facilities to ensure portfolio quality is maintained at all times
  • Initiate and carry out recovery actions on deteriorating, watch-listed, non-performing credit facilities.

DFCU BANK LTD, KAMPALA, Crane Bank Ltd
11.2013 - 02.2017

Relationship Partner

Yes Bank LTD
10.2012 - 11.2013
  • Manage the Relationship of the existing customers & prospect names on a consultative approach by understanding the customer’s business with the aim of enhancing revenues, identifying opportunities, and providing value-added solutions
  • Achieve revenue target as per target matrix
  • Analysis of CA book and revenue to monitor CA balance trends thus to ensure maximization of revenue and controlling revenue leakage if any Deepening of relationships through the structured sales activity framework of need Based Conversation and approach and then trying to match the product attributes to customer needs and benefits
  • To differentiate Yes Bank from our competitors by focusing on customer needs and responding with solutions to fulfill those needs
  • Working with the team on market catchment area plan, Educating the customer on straight to the bank, and ensuring transaction flows on straight to the bank
  • Have overachieved in most of all the performance parameters & have achieved consistently more than 125 pct
  • Against my budgeted revenue target since joining SME
  • Have achieved more than 150% level against my target on CA book Growth which is the highest increase ratio in pan India
  • Have acquired new Trade accounts for the bank which has contributed to huge revenue, Initiated LC discounting under banking lines, confirmation of LCs for the SME, and East team which helped us in revenue growth.

Sales Manager Business

Deutsche Bank
05.2011 - 09.2012
  • Responsible for the achievement of the sales targets for Retail Assets, Trade, and Foreign Exchange
  • Handling products like – Letters of Credit, Bank Guarantee, Remittances (Inward remittances via SWIFT, Outward SWIFT transfers), Collections (imports, exports, Clean foreign Currency Cheques), TC Sales/Purchase, Foreign Currency Sales/Purchases, Forward Covers, etc
  • Responsible for sales of short-term, medium-term, and long-term working capital needs of SMEs & large corporate the product portfolio includes Bill Discounting, Factoring, O.D, LAP, LCP term loans
  • Initiate marketing activities branch specific
  • Responsible for achievement of income and volume target for their respective area of operations for Retail Trade and Forex Products
  • Drive various channels like Branch, Current account channel, and High Net worth Channel
  • Achieve the targets through new client acquisition
  • Cross-sell ratio of Trade, FX, Business lending, CMS, and payment products
  • Completes annual operational and compliance risk reviews of all clients in the portfolio allocated

Relationship Officer

Mashreq Bank
Doha
03.2010 - 05.2011
  • Maintaining relationships with HNI, and HNWI clients and generating revenue by cross sale of other products and generating leads for TWC customers
  • Increase overall SME portfolio for liabilities and assets
  • Achieve the Target set for the Sales for the region
  • Build and manage the Branch relationship to achieve the asp rational targets
  • Manage and grow the acquisition Sales to meet both current numbers and future business needs through motivation and personal training
  • Tracking and benchmarking the performance of the team to achieve higher goals
  • Increase the visibility of the product at the point of purchase/decision-making stage and manage events to increase sales efforts
  • Achieve the budgeted cross-sell targets
  • Generate revenue by doing fully secured TWC products like (LC, BG & OD)
  • Assisting Senior RMs by analyzing audited financial statements for TWC-required clients to set up a line of credit
  • Generating Revenue from forex deals for SME clients
  • Achievement- Got the certificate of “BEST NEW JOINER
  • Awarded for “EXEMPLARY CONTRIBUTION TO SME BANKING”
  • Got the ‘AT’ rating (Above Target) in annual appraisal for a year in 2010.

Associate Vice President

India bulls Securities Ltd
06.2008 - 11.2008
  • Client Acquisition for Equity dealings, Mutual Funds, and Life Insurance, with a special focus on High-Net-worth Individuals and Premier end customers
  • Relationship Management with HNI’s and the SME segment of customers through a plethora of wealth management products and activities
  • Stock advisory services to the existing portfolio of customers and guidance to smart investing by disseminating research information and trends to clients
  • AUM development through a host of Products like PMS (Portfolio Management Services), Nifty Linked Debentures, Mutual Funds, and Insurance
  • Managing margin funding as well as Promoter Funding activities in IPOs and secondary markets, Developing and managing a team of 10 RMS

Associate Vice President

HSBC
10.2004 - 06.2008
  • Business development and marketing – Acquisition of new corporate clients, preferably in the SME segment
  • Contribute to the growth and development of new business including non-fund-based business
  • Build a portfolio of sound credit quality with significant current/future earnings, in line with the corporate clients for various corporate banking products like Factoring, Working Capital, Borrowings, Cash Management, Payment Solutions, and Trade related Products, Forex, etc
  • Acquire SME banking clients in with a turnover of INR50 crores to 500 crores
  • Asst Sales Manager team i.e
  • 22 ASM in Kolkata & Patna
  • Concentrating on the Focused market segment
  • Focus on offering financial, Solutions for their credit requirements, cash management, and trade
  • Financing, consistently seek an opportunity to expand share of wallet of the Customer base
  • Maintain ongoing contact with operations in order to ensure
  • Smooth delivery of transactions
  • Assist the Relationship Management Group in research and analysis of Industries/clients/markets
  • Crystallizing value-added deals with clients have high fee potential
  • Review the existing commercial portfolio to maintain/enhance the asset quality
  • And control the risks attached, whilst exploiting opportunities to maximize
  • Revenues
  • Achievement- Got the certificate of “BEST SALES ACHIEVERS, for consecutive years in 2005,2006,2007,2008
  • Got the appreciation certificate of (A-1 rating) for the Year 2008
  • Recognition of highest STANDARDS OF PERFORMANCE
  • Got the certificate of CONSISTENT AND OUTSTANDING PERFORMANCE for a Fast-Track promotion in the year

10.2006 - 04.2007

Corporate Accounts Manager

ABN AMRO for Retail
05.2002 - 09.2004

Team Leader

Bank Of Punjab Ltd for Retail Asset
08.2001 - 04.2002

Team leader

Virtual Image, DST of ICICI & HSBC
03.2000 - 07.2001

National Securities Clearing Corporation of India Ltd
, .S.C.
08.1997 - 02.2000
  • C.L) Deputed under Gilt Edge InfoTech Services Ltd.

Education

Bachelor of Commerce - undefined

Bangabasi College Calcutta University

Higher Secondary - undefined

W.B.C.H.S.E

Secondary - undefined

W.B.B

S.E - undefined

Skills

    Sales proficiency

undefined

Timeline

Head

I&M BANK
09.2020 - Current

Manager

ORIENT BANK LTD, KAMPALA
08.2017 - 05.2017

DFCU BANK LTD, KAMPALA, Crane Bank Ltd
11.2013 - 02.2017

Relationship Partner

Yes Bank LTD
10.2012 - 11.2013

Sales Manager Business

Deutsche Bank
05.2011 - 09.2012

Relationship Officer

Mashreq Bank
03.2010 - 05.2011

Associate Vice President

India bulls Securities Ltd
06.2008 - 11.2008

10.2006 - 04.2007

Associate Vice President

HSBC
10.2004 - 06.2008

Corporate Accounts Manager

ABN AMRO for Retail
05.2002 - 09.2004

Team Leader

Bank Of Punjab Ltd for Retail Asset
08.2001 - 04.2002

Team leader

Virtual Image, DST of ICICI & HSBC
03.2000 - 07.2001

National Securities Clearing Corporation of India Ltd
08.1997 - 02.2000

Bachelor of Commerce - undefined

Bangabasi College Calcutta University

Higher Secondary - undefined

W.B.C.H.S.E

Secondary - undefined

W.B.B

S.E - undefined

AAMIR HUSSAIN