NOMAN KABA
Long Grove
Summary
Dynamic Business Relationship Manager with over 15 years of expertise in financial services, specializing in Treasury Management, Credit Lending, and Merchant Services, with a strong emphasis on generating new funds from business deposits. Proven track record of exceeding business goals and driving substantial revenue growth, highlighted by successful management of a portfolio of 100 clients, achieving up to 40% sales growth and securing $100 million in new deposits along with $25 million in lending from 2017 to 2025. Committed to leveraging extensive financial acumen and management skills to foster growth within a progressive organization, ensuring strategic alignment with business objectives and client needs. Passionate about building strong relationships that drive success and enhance organizational performance.
Overview
31
31
years of professional experience
1
1
Certification
Work History
Senior Business Relationship Manager Acquisitions
JPMorgan Chase
03.2025 - Current
- Developed and implemented strategies for acquiring new-to-bank businesses, focusing on deposit generation, credit solutions, and treasury management offerings.
- Analyzed financial practices and advised business owners on effective cash flow strategies, fraud prevention measures, liquidity management, and capital structure planning.
- Collaborated with credit underwriting teams to originate and structure effective business lending solutions, focusing on lines of credit and term loans.
- Coordinated efforts with private bank wealth management and commercial partners to enhance client introductions and deliver tailored banking solutions.
- Executed disciplined prospecting strategies to enhance pipeline development, while establishing referral partnerships and expanding strategic networking opportunities.
Business Relationship Manager
Citi Bank
12.2020 - 08.2024
- Designed and implemented tailored financial strategies to support client business goals and facilitate sustainable growth.
- Conducted in-depth data analysis to pinpoint and act on market opportunities, resulting in substantial expansion of business deposits and lending portfolios.
- Executed comprehensive data analysis to spearhead treasury management sales, resulting in significant growth of business deposits and lending portfolios.
- Assessed client needs and delivered customized financial solutions to enhance service delivery efficiency.
- Collaborated with key stakeholders to strengthen strategic partnerships aimed at improving client satisfaction and retention.
Small Business Consultant
Bank of America
01.2020 - 12.2020
- Facilitated teamwork among financial center employees to ensure superior client support and develop quality business relationships.
- Evaluated key financial data points and forecasted business impacts to identify potential lending opportunities.
- Delivered expert advice on small business operations to financial center associates, aimed at improving overall team effectiveness and client relations.
- Conducted in-depth market analysis to identify growth opportunities for small businesses.
Relationship Licensed Banker/Small Business Specialist
JP Morgan Chase
05.2018 - 01.2020
- Collaborated with business, mortgage, investment, and private banking partners to increase cross-sales revenue opportunities.
- Managed a client portfolio and drove growth through proactive and disciplined approaches.
- Salesforce contact system for proactively reaching out and connect with clients.
Relationship Banker
BMO Harris
01.2017 - 01.2018
- Exceeded sales targets by 30% annually through proactive client engagement and tailored financial solutions.
- Developed and maintained a high-quality portfolio of business and personal banking clients, resulting in a 25% increase in customer retention.
- Successfully identified and leveraged cross-selling opportunities, enhancing product penetration and boosting overall revenue growth.
Director of QSR Operations / Owner
Subway Restaurant Systems
01.2011 - 01.2017
- Increased profits by $3.3 million during economic pressures.
- Reduced absenteeism by 47% and turnover by 35% through effective strategies.
- Implemented next-generation technology and reduced annual purchasing costs by 3.5%.
Director of Community Services
Sertoma Centre, Inc.
01.2004 - 01.2011
- Launched new programs generating $575k in service revenue in the first year.
- Cut operating budget by 20% through cost-saving initiatives.
- Received two “Director of the Year” awards for exceptional performance in increasing service revenue year over year.
Business Development Officer / Risk Manager
RAZA Communications
01.1995 - 01.2000
- Executed sales strategies to protect and grow business with existing and new accounts, managing over 200 small business accounts.
- Analyzed financial statements and annual tax forms to assist in approving credit flexibility for client accounts, determining credit limits for new wholesale customer accounts and managing existing credit lines up to $100,000.
- Provided management with relevant financial reporting on receivables, extended credit, chargebacks, and customer deposits, contributing to informed decision-making and effective risk management.
Education
BA - Psychology
Roosevelt University
01.2001
Certificate - Behavior Finance
Duke University
Online12-2023
Certificate - Successful Negotiation: Essential Strategies/Skill
University of Michigan
Online12-2023
Certificate - Introduction To Generative AI
Google Cloud Training
Online12-2023
Associates - Liberal Arts
College of DuPage
01.2000
Skills
- Customer relationship development
- Strategic portfolio oversight
- Credit analysis
- Risk mitigation strategies
- Financial data analysis
- Cash flow analysis and management
- Strong technical knowledge
- Analytical problem-solving
- Cross-functional collaboration
- Prioritization and scheduling
- Effective public speaking confidence
- Cultivates a respectful environment
Certification
- Behavioral Finance Duke University
- Successful Negotiations: Essential Strategies & Skills University of Michigan
- Introduction to Generative AI Google Cloud Training
- Series 6 & Series 63 Financial License AD BANKER
LANGUAGES
English (Fluent)
Urdu (Fluent)
Hindi (Basics)
Timeline
Senior Business Relationship Manager Acquisitions
JPMorgan Chase
03.2025 - Current
Business Relationship Manager
Citi Bank
12.2020 - 08.2024
Small Business Consultant
Bank of America
01.2020 - 12.2020
Relationship Licensed Banker/Small Business Specialist
JP Morgan Chase
05.2018 - 01.2020
Relationship Banker
BMO Harris
01.2017 - 01.2018
Director of QSR Operations / Owner
Subway Restaurant Systems
01.2011 - 01.2017
Director of Community Services
Sertoma Centre, Inc.
01.2004 - 01.2011
Business Development Officer / Risk Manager
RAZA Communications
01.1995 - 01.2000
Associates - Liberal Arts
College of DuPage
BA - Psychology
Roosevelt University
Certificate - Behavior Finance
Duke University
Certificate - Successful Negotiation: Essential Strategies/Skill
University of Michigan
Certificate - Introduction To Generative AI
Google Cloud Training