Head of Credit
SME Bank
Total years of experience :28 years, 1 Months
• Ensured that credit function has adequate capacity and capabilities to review and recommend high quality Credit Applications
• Monitored the Loan portfolio to maintain an acceptable quality book.
• Drove remediation of underperforming credits by recommending suitable structure and strategies
• Managed relationship with SMEs and Corporate customers.
• Formulated, cascaded and implemented credit policies and procedures in liaison with other stakeholders. Ensured that these were approved by the Board and reviewed periodically.
• Prepared appropriate reports for Management and Board committees and made accurate presentations to the committees at the scheduled meetings.
• Supervised a team of fifty five trained credit officers & managers across the country.
Other positions held:
• Head Business Development & Marketing Lahore Region.
• Head Credit Marketing, Business Development Division, Head Office, Islamabad.
• Identified, assessed, monitored and reported credit risks. Highlighted any risk issues and recommended possible mitigating factors.
• Monitored compliance of the Banks credit risk management policies and procedures.
• Reviewed and refined credit risk policy.
• Prepared Portfolio Analysis Reports highlighting credit risk performance for the President & CEO on monthly, half yearly & annual basis.
Other positions held:
• Credit Risk Manager at Rawalpindi & Islamabad branches.
• Managed pre-disbursement and post-disbursement activities, and ensured compliance with State Bank of Pakistan (SBP) Prudential Regulations, SME Bank Credit Policy & Manual and standard banking practices.
• Ensured high quality monitoring of loans & legal documentation.
• Ensured accuracy of periodical reporting to Head Office and the SBP.
• Managed outsourcing of Credit Administration functions.
• Planned, organized, directed, controlled and evaluated activities of Credit Department having portfolio of Rs.6 billion.
• Supervised business development and managed overall performance in accordance with established strategic directions & policies.
• Supervised preparation of periodical reports and ensured their accuracy.
• Instigated and managed change by implementing new work culture & practices.
• Developed and implemented branch operations strategies to ensure efficient and effective operations
• Monitored and analyzed branch performance metrics to identify areas of improvement
• Oversaw branch operations, including customer service, sales, and financial transactions
• Ensured compliance with all applicable laws, regulations, and policies
• Identified and implemented process improvements to increase efficiency and reduce costs
• Developed and managed branch budget and ensured cost-effectiveness
• Oversaw a team of Loan Officers and guided them on complex loan decisions
• Developed lending policies and procedures to mitigate risk
• Managed high-value client relationships and complex loan portfolios
• Contributed to the financial institution's strategy based on market trends
• Networked with industry professionals to attract business and partnership opportunities
• Mentored and trained junior Loan Officers and support staff
• Kept liaison with branches for handling their foreign trade business.
• Recovered dues, charges, mark up, etc. on FX. Transactions and Export Refinance.
• Monitored correspondence with foreign Banks to ensure that export proceeds were realized within due dates and followed up in case of overdue.
• Monitored verification of EE & EF Statements of ERF.
• Controlled all sorts of Foreign Exchange Files like, L/C Negotiation, Collection and Trade Financing.
• Confirmed and negotiated exchange rates with Treasury.
• Managed Dealing Room, trading floor activities, 200 employees and Reuters financial information systems.
• Prepared marketing strategy and assigned business targets to FX Market traders.
• Generated business of over USD 1 million and traded in spot FX Markets.
• Reported to the Chairman & CEO and presented monthly progress report.
• Analyzed FX markets trend using technical and fundamental analysis of economic data.
• Prepared daily technical and fundamental reports that discussed short and long-term strategies, including trends, support, and resistance levels.
• Solicited high net worth clients transferring their portfolio into the company through cold calls and networking.