1. EmmaKaiser Malik
308, Al Owais Building
Muraqqabat, Deira, Dubai.
E-Mail: emmakaiser1@gmail.com
Cell : +971559423719, +923222543141
Work Experience
Senior Relationship Officer Multinational Contracting Finance-Corporate Banking, UnionNational Bank, Dubai (January 2016-Present)
Preparation& submission ofrenewals/NTB proposals with emphasis on financials, projectstatus, along withassessing general& project limit
requirement for each client.
Preparationof short formproposals,memorandum& IOMs for one-offapprovalwith regards toamendments/ waiver inT&Cs, limits,issuance of
bonds etc.
Processing and rectificationofallexceptions in the account
To suggest & respond toall clientqueries
To ensure smooth flow oftransactions (mainlyissuanceofGuarantees)
Accompany relationship handleron visit to each client at least oncein halfyear
Keep abreast onall projectperformanceunder executionby clients
Regular updates on PPCsheets &Annexure02/07(projects executed, under execution & bidding)
Manage all internalchecks and monitoring ofaccounts suchas audit and ensuring timely credit ofprojectproceeds against assigned proceeds to UNB
Assistant Relationship Manager Emerging Corporates, Noor Bank, Dubai (September 2014-December 2015)
Duties& Responsibilities
Prepared Credit Proposals for clients withemphasis oncredit analysis, risk-assessment, industryanalysis,whereby assessing thefunded and non-
funded limits to beapproved toeachindividual client.
Managed clients, address queries &transactions.
Originate/market business opportunities with target marketcustomers.
Ensuring smooth flowin day today operational activities
Support RMs in the operationalmatters.Coordinationbetween all stakeholders, thatis, customer,risk,CAD, Tradeand etc as required.
Periodicvisits to the clients'premises to understandtheirproduction processes/technical capabilities and critically review their operational
performance, working conditions and stocks etc.
Assistant Relationship Manager Corporate& InvestmentBanking, DubaiIslamic Bank Pak Ltd, Karachi (May 2012 –August 2014)
Assist Relationship Managers in managing a portfolio of about PKR 4 Billionwith a totalnumber of15 accounts indiversified industries suchas Sugar,
textile, chemical, Pharmaceuticals & etc.
Duties& Responsibilities
Regularly review themarketto identify opportunities inallocatedsectors and develop proposals for approval
Take personalresponsibility for theestablishment andmaintenance ofkey relationships toleverage business achievement
Provide professional and expert advice on products and services to customers and business deals to other units to ensure that’s business
opportunities arerealized.
Preparing comprehensivecredit analysis (Financial,Industry &Management) and gain approvalfor proposals.Arranging credit limits through timely
preparationof creditmemoranda, coordinationwithoperations, credit &risk management for a swift completion ofbusiness deals.
Meeting existing clients to understandtheir business and discuss about their financial needs in order to address financial issues facedby theclient
Managing and Executing Short-term& Long-term financing needs (fresh creditandrenewals)
Structuring suitablecredit facilities withacceptablecredit risk as per outlined RACs
Reviving existing relationships by providing qualitycustomer services andmeeting their expectations
Ensuring smooth flowin day today operational activities
Manage all internal checks and monitoring ofaccounts such as audit and ensuring Shariah Compliant transactions and facilitat ing customer with
proper knowledgeofShariah based banking.EnsurecomplianceofPrudentialRegulations
Relationship Manager SambaBank Limited, Karachi(June2011–April2012)

2. Duties& Responsibilities
Manage & maintain Relationships by assessing andproviding solutions for customers banking andfinancialrequirements.
Cross sellproducts suchas Bancassuranceand ATMinsurance.
Depositmobilizationtargets & primarily responsible for increasing liability portfolio–Main focus on currentandsavings
Give responses to AML alerts
Suggest improvements / amendments totheexisting productsuitekeeping intoview customerneeds as well as identify key areas wherethe
bank’s profitability from the productcan beincreased
Achievements
Having largestportfolio among all BBTO’s countrywide at Samba
Having most NTB’s among all BBTO’s countrywide.
Academic Qualifications
2012 MBA –Marketing
IoBM-InstituteofBusiness Management –Karachi
2010 BSc – Economics& Finance
IoBM-InstituteofBusiness Management –Karachi
References
To be furnished upon request.