Divisional Head - Corporate & FI Risk
Allied Bank Limited
Total years of experience :26 years, 6 Months
FI Risk Role
1. Appraisal and Risk Review of the credit proposals, for fresh/ renewal/enhancement or reduction, restructuring /rescheduling funded and non-funded facilities to NBFI/Insurance companies etc. for the consideration / approval of the sanctioning authority.
2. Ensuring the bank’s credit policies and SBP Regulations pertaining to lending to FIs etc. are implemented across FID/ CIBG, in order to ensure accurate and robust risk assessment and evaluation process.
3. Monitoring the business groups’ adherence to minimum standards for presentation of credit applications.
4. To discuss & suggest changes in credit policy (CPPM) for continuous improvement in bank policies.
5. Flagging problematic exposures in line with prevailing issues in comparison to other FIs of similar scale.
6. Appraisal and processing for enlistment and delistment of Insurance Companies from ABL’s panel.
7. Liaison with the internal audit during the annual/surprise audit of the office.
8. Appraisal of requests received from FID for taking country exposures.
9. Supervising work of Manager/ Sr. credit risk analysts and providing guidance.
10. Continually assess/monitor employee productivity levels and identify the need for maintaining and improving the motivation/morale of team members and their career progression.
11. Review of BFL to NBFIs for credit approvals.
12. Coordinating with compliance.
13. Monitoring of compliance to SLA executed with CIBG.
Corporate Risk Role
1. Appraisal and Risk Review of the credit proposals, for fresh/ renewal/enhancement or reduction, restructuring /rescheduling of funded and non-funded facilities, for the consideration / approval of the sanctioning authority while ensuring compliance of SLA
2. Classified Credit Review proposals for classification, monitoring and remedial management of Credit portfolio of the allocated regions of CIBG in line with bank’s credit policy and SBP instructions.
3. To ensure the bank’s credit policies and SBP Regulations pertaining to lending are implemented across CIBG which in turn ensures accurate and robust risk assessment and evaluation process.
4. To ensure implementation of State Bank of Pakistan’s inspection report relating to processing and sanction of credit proposals of CIBG.
5. Assessment of risk and suggesting mitigating factors on all the proposals received for review/approval.
6. To provide guidance to CIBG on bank’s credit risk management policies.
7. To discuss & suggest changes in credit policy (CPPM) to for continuous improvement in bank policies.
8. Review of Banking Facility Letters to bank customers by maintaining the terms credit approvals.
9. Supervising work of Manager / Unit Head and providing guidance.
10. Continually assess/monitor employee productivity levels and identify the need for maintaining and improving the motivation/morale of team members and their career progression.
11. To conducts management visits of obligor in allocated portfolio.
12. Liaison with the internal audit during the annual/surprise audit of the office.
13. Coordinating with compliance.
14. Monitoring of compliance to SLA executed with CIBG.
• Managing a team of Credit Risk Analysts, with the prime objective of maintaining a high quality credit portfolio of the Corporate and Investment Banking Group (CIBG).
• Comprehensive appraisal of credit proposals received from business units, which includes highlighting all types of risks & proposing mitigating covenants, conducting financial analysis, ensuring satisfactory security adequacy analysis and compliance with the Central Bank’s regulatory framework & the Bank’s Internal Credit Policy.
• Monitoring risk exposure, advising business teams on the terms & conditions of the approved facilities, and ensuring that all approval covenants are complied with as prescribed by the Approving Authority.
• Collecting necessary information, clarification, and documents, from the respective Regions, required for upgrading/improving the quality of credit proposals under review, especially those which are deficient with regards to transaction rationale/justifications.
• Liaise with the internal & external auditors and Risk Asset Review teams during the annual/un-announced audit of the Division.
• Provide inputs for changes in credit policy on an on-going basis.
• Motivating, supervising and training the assigned Credit Risk Analysts. Providing the team with continuous guidance and offering assistance to other Senior Credit Analysts to facilitate their reviews as and when required. Mentoring junior analysts in on-job professional & personal training. Ensuring time & work flow management keeping in view the optimum efficiency levels of the team members.
• Assisting Departmental Head in approvals, cross-departmental meetings and other policy issues.
• Managing a team of Credit Risk Analysts, with the prime objective of maintaining a high quality credit portfolio of the Commercial & Retail Banking Group (CRBG).
• Comprehensive appraisal of credit proposals received from business units, which includes highlighting all types of risks & proposing mitigating covenants, conducting financial analysis, ensuring satisfactory security adequacy analysis and compliance with the Central Bank’s regulatory framework & the Bank’s Internal Credit Policy.
• Monitoring risk exposure, advising business teams on the terms & conditions of the approved facilities, and ensuring that all approval covenants are complied with as prescribed by the Approving Authority.
• Collecting necessary information, clarification, and documents, from the respective Regions, required for upgrading/improving the quality of credit proposals under review, especially those which are deficient with regards to transaction rationale/justifications.
• Liaise with the internal & external auditors and Risk Asset Review teams during the annual/un-announced audit of the Division.
• Provide inputs for changes in credit policy on an on-going basis.
• Motivating, supervising and training the assigned Credit Risk Analysts. Providing the team with continuous guidance and offering assistance to other Senior Credit Analysts to facilitate their reviews as and when required. Mentoring junior analysts in on-job professional & personal training. Ensuring time & work flow management keeping in view the optimum efficiency levels of the team members.
• Assisting Departmental Head in approvals, cross-departmental meetings and other policy issues.
Internal Policy Control
• Ensuring adherence to State Bank of Pakistan’s prudential regulations, policies and directives covering credit dissemination.
• Scrutiny of credit proposals keeping in view the Bank’s internal policy for any lapses, violations and breaches.
• Identification of previous covenant breaches and remedial measures for rectification.
Securitization
• Weighing credit proposals on proposed security structures keeping in view bank’s internal policies.
• Safe guarding bank’s exposure by identification of security breaches and lapses.
Financial Analysis
• Cross analysis to verify the credit proposals based on historic and projected data.
• Identification of repayment ability keeping in view the cash flows, cash cycle and financing activities.
Business Risk Analysis
• Macroeconomics analysis keeping in view the global impact.
• Industrial performance under state economy and policies.
• Business fundamentals and policies.
• Qualitative analysis involving management’s experience, qualification and exposure.
• Identification of social and environmental risks emanating from the business operations.
Business Development
• Hold visits to prospective customers to cross sell the bank’s lending products and services, discuss business opportunities and establish mutually beneficial business relationship with companies reaching AED 100 million sales turnover.
• Hold regular meetings with existing customers to strengthen relationships and to seek ancillary business
Recommendation for Credit Facilities
• Prepare and submit credit facility applications to the Credit Department based upon detailed Risk profile of the client by providing complete information
Operational Monitoring
• Anti-money laundering monitoring of client accounts
• Assistance to clients in day to day issues
• Act as liaison between credits, risk administration and operational back office in Chennai, India
• Monitor the Credit Portfolio for any exceptions and to ensure compliance with Credit Policy and statutory requirements and take corrective action where necessary
• Manage the operational side involving the disbursement of funds as and when required by the customer
Business Development
• Hold visits to prospective customers to promote the bank’s products and services, discuss business opportunities, and establish mutually beneficial business relationship
• Hold regular meetings with existing customers to strengthen relationships and to seek ancillary business
Recommendation for Credit Facilities
• Prepare and submit credit facility applications to the Credit Committee providing complete information and clear outlining of the risk(s) involved for the bank and to ensure the bank is not exposed to any unwarranted risk(s)
Risk Management
• Identify and minimize risk involved for the bank by conducting comprehensive company and industry analysis
• Meeting with the client’s senior management and conducting visits to the place of business
Manage Credit Portfolio
• Management of credit portfolio as per Bank’s policies comprising of high quality assets to achieve growth targets and review credit facilities
Internal Controls
• Monitor the Credit Portfolio for any exceptions and to ensure compliance with Credit Policy and statutory requirements and take corrective action where necessary
• Manage the operational side involving the disbursement of funds as and when required by the customer
• Keep a check on mark-up repayments and maintain a regular contact with customer over the over due status
• Manage the reporting of all developments to SBP eCIB system
• Management and preparation of all charge documentation before the disbursement of facility
Customer Service
• Provide prompt and effective service to customers, ensuring convenience and timeliness.
Cash Management
• Structuring and coordinating intercity collection/ pooling/ sweeping of funds to one account or making payments at any center of choice or vice versa for the Corporate Clients.
Counseling of students
• Discussing the needs of the students
• Help in selection of course based on the job market, aptitude and interest of student
• Guidance in selection of institution and location based on student’s financial capabilities
Management of application process
• Keeping a contact with university over the admission process
• Management of all queries on behalf of the student
• Provision of all documents to universities as and when required
Management of visa process
• Assistance to student in preparation of visa application
• Assistance to students in preparation and collection of supporting documents
Assistance in accommodation search
• Assistance in searching suitable accommodation for students based on the location of university and financial capabilities
University visits and seminars
• Management of university visits inclusive of inland travel, accommodation, local visits to institutions and meetings
• Organizing and management of educational seminars and interview sessions
• Establishment and management of liaison with key governing bodies and educational institutions
Trained to give credit ratings based on thorough qualitative analysis supported by quantitative analysis of past performances, current trends and future strategies of financial institutions and industrial corporates.
Performed duties as:
Company Commander
Responsible for over 150-175 troops in their training (all round) physical and education, which included military and academic education, administration of their financial, residential and personal affairs, discipline, which included dress and personal.
Adjutant
Help the Commanding Officer as a Staff Officer in coordinating training activities, ensuring of discipline and dress (turn out) for the whole battalion, assistance in formulation and issuance of training policies at battalion level, establishing liaison with Staff Officers at higher headquarters
Quarter Master
Help the Commanding Officer in:
Planning and organizing the logistics of the battalion (peace and war); ensure that the troops are never short of their basic needs which help in a big way to improve their quality of soldiering, in charge of overall supplies and inventories of the battalion.
Did Masters in Business Administration with 3.13 CGPA out of 4