Hassan Raza
Relationship Manager – Corporate Banking
Professional Summary
Results-driven Corporate Relationship Manager with over eight years of commercial banking experience managing middle-market and corporate portfolios across Meezan Bank and Bank AL Habib. Currently steward of a Rs. 28B credit portfolio spanning textiles, FMCG, and automotive sectors. Specialized in structured trade finance, syndicated credit facilities, SBP concessionary export schemes (EFS/LTFF/TERF), and proactive credit risk management with zero non-performing loans (NPLs).
Core Competencies
Technical Tools & Stack
Professional Experience
Senior Relationship Manager · Meezan Bank Ltd – Corporate Banking Division
August 2019 to Present
- Manage portfolio of 42 high-value corporate clients with annual business turnover exceeding Rs. 40B across textile, chemical, and engineering sectors in Punjab.
- Structured and closed Rs. 2.4B in syndicated term finance and working capital lines for premier textile groups in coordination with lead consortium banks.
- Spearheaded client onboarding for SBP concessionary financing programs (TERF, LTFF, EFS Part II), achieving 100% regulatory compliance and clean central bank inspection audits.
- Expanded corporate non-funded fee income by 31% YoY through aggressive cross-selling of trade letters of credit, bank guarantees, and automated payroll cash management.
- Recovered two legacy overdue trade receivables totaling Rs. 42M through structured debt restructuring and collateral realization with zero write-offs.
Assistant Relationship Manager · Bank AL Habib Ltd – Commercial Banking Group
June 2016 to July 2019
- Supervised day-to-day credit relationships for 28 manufacturing and trading accounts with cumulative sanctioned credit lines of Rs. 11B.
- Appraised in-depth financial statements, projected cash flows, and collateral valuations to prepare comprehensive credit proposals for regional credit committee approval.
- Processed over 180 import letters of credit and foreign currency remittances annually; lowered documentation discrepancy rates from 14% to 4.2%.
- Coordinated directly with Internal Audit and State Bank of Pakistan compliance inspectors during annual asset quality reviews.
Management Trainee Officer (MTO) · Bank AL Habib Ltd
July 2015 to May 2016
- Rotated through Credit Risk, Trade Finance Operations, Branch Banking, and Treasury Settlement desks.
- Cleared all stages of the Junior Associateship of IBP (JAIBP) examinations on the initial attempt.
Key Projects & Initiatives
Rs. 2.4B Syndicated Long-Term Finance Facility
Co-lead arranger for syndicated debt facility financing European spinning machinery for a top-tier composite textile mill in Faisalabad, meeting tight financial close deadlines.
SBP Concessionary Re-Financing Program Structuring
Structured and disbursed Rs. 1.8B under State Bank of Pakistan concessionary lines, ensuring full regulatory adherence and zero post-disbursement audit penalties.
Key Achievements & Honors
- Maintained 0% Non-Performing Loan (NPL) ratio across credit portfolio for 8 consecutive years.
- Top Performer Award - Central Region Corporate Banking, Meezan Bank (2022, 2024).
Education & Qualifications
MBA in Banking and Finance
Lahore University of Management Sciences (LUMS) · 2018 to 2020
CGPA / Marks: 3.65 / 4.00 CGPA
Focus on Corporate Valuation, Financial Institutions Management, and Structured Debt Products.
BBA (Honours) Finance
University of the Punjab (Hailey College of Banking & Finance) · 2011 to 2015
CGPA / Marks: 3.72 / 4.00 CGPA
Merit Scholarship recipient. Case competition winner on SME Credit Risk Mitigation.
Certifications
- Junior Associateship of IBP (JAIBP), Institute of Bankers Pakistan (2016)
- Financial Modeling & Valuation Analyst (FMVA), Corporate Finance Institute (2021)
Languages
English (Professional / Fluent) · Urdu (Native) · Punjabi (Conversational)
References: Tariq Bilal, Regional Head Corporate Banking, Meezan Bank Ltd, [email protected] · Kamran Latif, Head of Commercial Credit, Bank AL Habib Ltd, [email protected]