Sonia Khurram

• Successfully managing BAYYT E-Commerce Business B2B and B2C in Canada, UAE and Globally.
• Successfully registered BAYYT as an Exclusive Service Provider with Notable Government Organizations for the Procurement and SDGs Projects and bid for 25 Projects since August 2023.
• Successfully built a customer base of 400 in a small household community, Abu Dhabi, UAE.
• Successfully developing and implementing Business Strategy to achieve BAYYT Target Sales.
• Successfully developing and monitoring company’s Financial Budgets and Policies & Procedures.
• Successfully managing internal and external communications with Key Stakeholders.
• Successfully building a team of Professional and Service Providers to Serve the Clients Globally.

• Successfully managed quality 150 borrowing and non-borrowing relationships through business development activities by leveraging existing clients and centres of influence.
• Proactively assessed client needs in trade and credit by proposing financial solution to deepen business penetration into relationship portfolio.
• Prepared credit proposals (new loans), structured credit facilities and visited prospective & existing clients on regular basis to strengthen the business relationships.

• Successfully contributed to the achievement of business objectives by effectively managing, developing, and retaining quality relationships of 250 Business Banking borrowing and non- borrowing customers.
• Successfully recommended 2 new business banking relationships (annual revenue of CA$5MM - CA$10MM).
• Successfully partnered with internal experts and identified 1 new referral (annual revenue of CA$100MM) to the leasing department.
• Efficiently monitored operating lines of credit as per approved credit and rectified the discrepancies in timely manner by communicating with the customers on regular basis.
• Successfully exited a 10-year-old client based on OSFI guidelines.

• Successfully managed a Large Corporate Bilateral and Syndicated Loan portfolio of 33 clients with having approved funded credit limits of USD900MM.
• Identified new loan opportunities for the Bank through networking with existing agent banks and prescreened loan opportunities as per Bank's business strategy, industry preferences, growth objectives and diversification need.
• Successfully built and maintained peer banks network to participate in syndication deals led by other International and regional banks.
• Successfully contributed to the growth of bank's profitability by recommending 2 business relationships (annual revenue of US$500MM) of high-quality loan transactions.

• Proactively identified and developed new opportunities to sell retail bank's product & service to corporate clients.
• Evaluated personal financial statements to assess financial strengths, degree of risk involved and repayment capacity of credit transaction.
• Successfully contributed to Bank's growth by achieving 110% annual sales targets within assigned Bank deadline and achieved KYC recognition award.