Sonia Khurram
Oakville,ON
Summary
- I am MBA, Finance and Marketing with bachelor’s in commerce form Lahore School of Economics, Lahore and Punjab University Pakistan respectively and has accomplished several Certifications from University of Toronto, Enterprise Risk Management and Certified in Corporate Credit from Central Bank, UAE.
- I have 13 Years of work experience in International Corporate Banking (Loan Syndicate), Business Banking, Retail Banking and E-Commerce B2B & B2C in Business Development, Business Relationship Management, Sales & Negotiation, Client Relationship Management, Credit Underwriting, Credit Structuring, Audited Financial Statement Analysis, Covenants Monitoring, Portfolio Management, Collateral, Microsoft Office and Presentation to Board.
- I have Successfully managed diversified portfolio in the business industry such as Real estate, Contracting, Aviation, Oil& Gas, Marine, District Cooling and Innovative Plastics and handled the Deal size of CAD5MM – CAD100MM and portfolio of USD900MM.
- I have Extensive understanding of the bank's products and services such Term Loan and revolving credit.
- I have Successfully assess and manage credit risk associated with client relationships, ensuring compliance with Bank KYC and AML regulations with 2 KYC Awards with HSBC and Standard chartered Bank.
- I have worked on AS400, Client-connect and CARM, Moody’s and Fitch Financial Model.
- Collaborated with a team to achieve shared goals efficiently and maintaining a productive, positive work environment.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Managing Director, E-Commerce B2B & B2C
BAYYT
01.2018 - Current
- Successfully designed and managed BAYYT Home Maintenance Phone Application in Abu Dhabi, UAE.
- Develop, communicate, and implement the company’s strategic plan; set long-term goals and ensure alignment across the organization.
- Leading the overall Revenue Growth, marketing and Finance Strategy and secure Capital and Partnership with Service Providers as needed.
- Ensure legal and regulatory compliance, risk management, and adherence to governance best practices.
- Leading digital transformation initiatives and ensure the company remains competitive.
- Directed cross-functional teams to develop innovative e-commerce solutions, driving customer retention.
- Hybrid
Relationship Manager | Business Banking
RAKBANK
07.2016 - 05.2017
- Successfully managed 150 borrowing and non-borrowing relationships through business development activities, credit underwriting and portfolio management by leveraging existing clients and maximizing earnings for the bank.
- Successfully analysed 100 business accounts (annual revenue of USD1MM) through sound financial & non-financial analysis as per Bank Credit Policy.
- Successfully contributed to bank's profitability by structuring 6 credit facilities within assigned timeline.
- Managed the assigned Credit Portfolio Profitability by monitoring the covenants of the client’s debt service.
Relationship Manager I | Business Banking
HSBC
11.2012 - 11.2013
- Successfully managed 250 borrowing and non-borrowing relationships through business development activities, credit underwriting and portfolio management by leveraging existing clients and maximizing earnings for the bank.
- Successfully recommended 3 new business relationships (annual revenue of CA$5MM – CA$10MM) and contributed to the profitability of the bank.
- Efficiently monitored operating lines of credit as per credit approvals and rectified the discrepancies (over-drawn accounts) in timely manner by efficiently communicating with the customers on daily basis.
Corporate Banker | Loan Syndicate, Large Corporates
Arab African International Bank
08.2008 - 07.2011
- Successfully managed a Large Corporate Bilateral and Syndicated Loan portfolio of 33 clients with having approved funded credit limits of USD900MM.
- Successfully Underwrite Credit proposals, Renewals and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying companies for downgrades/ upgrades to the Senior management.
- Managed the assigned Credit Portfolio Profitability by monitoring the covenants of the client’s debt service capacity and dealing with external and internal Audit Queries.
Relationship Officer | Retail Banking
Standard Chartered
06.2007 - 08.2008
- Evaluated personal Bank’s statements to assess financial strengths, degree of risk involved and repayment capacity of credit. Ensured completion of loan documents prior to credit advancement.
- Successfully contributed to bank’s growth by achieving 110% annual sales targets within assigned bank deadline.
Intern | Credit Risk Management
HBL - Habib Bank Limited
09.2006 - 11.2006
- Assisted in maintenance of quality credit portfolio to minimize the loan losses as per bank’s risk appetite by evaluating relevant credit information.
Education
Master of Business Administration (MBA) - Marketing and Finance
Lahore School of Economics
Lahore, Pakistan01.2005
Bachelor of Commerce - BCom - Financial Accounting | Economics
University of the Punjab
Lahore, Pakistan05.1998
Skills
- Business Relationship Management
- Customer Relationship building
- Corporate and Commercial credit
- Credit Analysis
- Credit Under witting
- Financial Statement Analysis
- Portfolio Management
- AS400
- Client Connect
- CARM
- OSFI
- Moody's Financial Model Analysis
- Fitch Financial Model Analysis
- Developing credit polices and processes
- Verbal and written communication
- Board Presentation
Accomplishments
KYC Award: Standard Chartered Bank
KYC Award: HSBC Bank
Languages
English
Urdu
Certification
- Enterprise Risk Management | University of Toronto, ON Canada
- Certified Credit Management | Emirates Institute of Finance (EIF), Sharjah UAE
- Global Islamic Finance & Banking | Alison Education
Timeline
Managing Director, E-Commerce B2B & B2C
BAYYT
01.2018 - Current
Relationship Manager | Business Banking
RAKBANK
07.2016 - 05.2017
Relationship Manager I | Business Banking
HSBC
11.2012 - 11.2013
Corporate Banker | Loan Syndicate, Large Corporates
Arab African International Bank
08.2008 - 07.2011
Relationship Officer | Retail Banking
Standard Chartered
06.2007 - 08.2008
Intern | Credit Risk Management
HBL - Habib Bank Limited
09.2006 - 11.2006
Bachelor of Commerce - BCom - Financial Accounting | Economics
University of the Punjab
Master of Business Administration (MBA) - Marketing and Finance
Lahore School of Economics