Sibtain Ghauri

• Managed the processing of bilateral and syndicated loan contracts with corporate clients in Singapore and Hong Kong, handling the full lifecycle of loan operations, from initial onboarding to end of term repayments.
• Processed daily transactions (incl. drawdowns, rollovers, repayments), ensuring the appropriate collateral (cash) was maintained, and adjusted collateral levels in response to contractual agreements or requests.
• Acted as a primary point of contact for clients and internal teams, resolving escalated issues, responding to inquiries, and ensuring clear communication on cash requirements.
• Performed various interest processing tasks for month end adjustments as well as daily/weekly updates of rates based on interest periods.
• Reconciled cash balances on a daily basis, investigating and resolving discrepancies in a timely manner, ensuring aged nostro items were addressed.
• Helped develop and implement new controls to mitigate operational risks and enhance compliance with internal and external regulatory standards.
• Produced and analyzed a variety of daily/monthly financial reports for internal stakeholders, focusing on interest processing, reconciliations and risk management.

Key Achievements:

• Reduced discrepancies in internal reporting by 15% by introducing a streamlined reconciliation process.
• Consistently maintained compliance with SLA timelines for all daily and weekly KPIs.

• Evaluated and underwrote credit applications for small-to-medium enterprises (SMEs), focusing on clients with higher exposures transitioning to AIB, ensuring alignment with the bank's credit policies.
• Conducted detailed financial analysis, reviewing financial statements, balance sheets, and cash flow reports to assess borrowers' repayment capacity and identify potential risks.
• Managed 5-8 complex cases per week, collaborating with sales teams to gather necessary information from clients and ensuring that loan proposals met both client needs and regulatory standards.
• Played a key role in negotiating loan terms, reviewing repayment schedules, and assisting clients with the reconciliation of accounts.

Key Achievements:

• Successfully transitioned multiple high-value SME accounts to AIB, ensuring seamless onboarding and compliance with new regulations.
• Improved own credit assessment turnaround times by 20%, meeting tight deadlines without compromising the accuracy of assessments.

• Managed the complete onboarding process for FX and derivative instruments, working with retail and institutional funds to ensure operational readiness prior to fund launch dates.
• Coordinated with over 15 external counterparties, including brokers and custodians, to meet strict deadlines and ensure that all fund components were integrated seamlessly.
• Developed and refined processes for onboarding complex financial products, ensuring compliance with internal risk and operational standards.
• Delivered performance improvement strategies that optimized onboarding workflows, reducing the time required to set up new instruments by 10-20%.

Key Achievements:

• Successfully onboarded multiple complex FX and derivative products for numerous funds simultaneously under tight deadlines, contributing to the successful launch of high-value funds.
• Enhanced stakeholder collaboration by implementing improved communication protocols between internal teams and external counterparties.

• Contributed to the growth of the loan book by over €10 million, overseeing the underwriting of loan applications and providing personalized financial advice to members.
• Managed call-centre operations, handling 30-50 interactions daily, resolving customer queries related to loans, and providing guidance on available financial services.
• Negotiated loan terms with customers, balancing regulatory compliance with customer needs to ensure mutually beneficial outcomes.
• Played a pivotal role in improving internal processes, identifying inefficiencies, and implementing changes that improved workflow and reduced processing times.

Key Achievements:

• Drove a 15% increase in loan approval rates by streamlining the loan assessment process.
• Improved customer satisfaction by reducing the average time for loan application processing.

• Delivered high-quality customer service by managing high volumes of member interactions, addressing queries, and building strong relationships with key stakeholders.
• Promoted to Floor Supervisor, overseeing 20+ staff daily, managing workflow, and ensuring that team members met performance goals.
• Led the development of training manuals and conducted comprehensive training sessions for new (and existing) staff, ensuring consistent and sufficient knowledge across teams.
• Automated archaic systems, improving the efficiency of customer service and processing by digitising manual operations.

Key Achievements:

• Increased team efficiency by 25% by implementing new digital tools and training programs.
• Developed and rolled out the first-ever comprehensive training manual for the company.