Senior Manager – Credit Risk
BankIslami Pakistan
Total years of experience :14 years, 0 Months
Manager (Aug 2021- Apr-2023) Head Office, Karachi, Pakistan
Currently working in BankIslami Pakistan in Credit & Risk Management Division as Senior Manager - Credit Risk Manager for their Corporate, Commercial and Investment Banking Segment
Responsibilities
Conducts thorough due diligence of the credit requests and prepare detailed recommendations for the Senior management.
Keep abreast of the current economic scenario, dynamics of key industries, impact of government regulations and policies on the borrowers businesses
Supervision of a team consisting of Five Credit Analysts as Team Leader for effective and efficient approvals while contributing towards decisions of higher level of credit authority with the aim to achieve a low turnaround time (TAT) without compromising on credit quality and decisions.
Approving Credits under authorized Credit Delegation Authority
Involved in Formulation of Bank Credit Policy and Credit Manual
Review, finalization & dissemination of Different Industry Reports to relevant stake holders
Ensure that the proposals are in conformity with banks credit policy manual, Central Bank Regulations and internal audit requirements
Manager - Credit Analyst (Oct2017 - Sep2019) Head Office, Karachi, Pakistan Worked in Dubai Islamic Bank in Credit & Risk Management Division as Assistant Vice President - Credit Analyst for their Corporate, SME/Commercial, Investment Banking and Financial Institutions (FI) Segment
Responsibilities
Review of Credit proposals and prepares approval memo for Senior Management along with recommendation
Maintain close liaison with Credit Risk Dubai Team (UAE) and act as a contact point for all correspondence related to proposals, further, I was also involved in preparation of BRMC data
Worked in HABIB BANK LIMITED as Manager - Credit & Marketing for their (SME) - Middle Market /Commercial Segment under direct supervision of Credit Hub In-charge.
Responsibilities
Onboarding of fresh customers and maintaining relationship with existing/fresh customers
Prepares & Review detailed Business Credit Proposals in line with the Credit policy & Procedure of the Bank and Central Bank Regulations
Selected as a Trainer for Karachi Region against implementation of automated Loan Origination System. (HBL17)
Worked in MCB BANK LIMITED as a Credit Analyst for their Corporate/Commercial Segment. My responsibility entails conducting comprehensive review of Credit Proposals originated from the Branches
Responsibilities
Prepares & review detailed Credit proposals/memo covering all significant factors (Strengths & Risks) based on detailed Business, Financial Statements Analysis, Collateral, Industry, Peers & Management performance analysis for review and recommendation by approving authorities, ensuring accuracy, TAT and completeness.
Ensuring that new relationships or ongoing requirements of existing clients attain maximum revenue within acceptable risk profile requirements and develop proposals within defined Bank procedures.
Conducts research about different Industries as required by senior Management.
Worked in BANK AL HABIB as a Business Analyst for Credits & General Banking Departments, To put it briefly, I was responsible for the process re-engineering with respect to New core banking application
Responsibilities As a Business Analyst I worked towards simplifying the Processes as part of the largest deployment of New Core Banking Application. My involvement in this substantial project includes the following:
Communicate with the Business/Product Owner to collect and understand business / functional requirement
Participate in technical review, formal presentation and accurate documentation.
Worked in Credit Risk Department of Standard Chartered Leasing limited as a Credit Risk Analyst where my Core job was to evaluate the Credit Proposals for Corporate/SME Customers. In addition to that, I was involved in managing the Portfolio by different means of Credit Modeling tools (.i.e. dpd, LGD, PD, EAD etc.)
Responsibilities Credit Risk
Review of Fresh/Existing Business Proposals (BCAs) for both Corporate & SME Sector by analyzing Credit data, Financial Statements, Financial Ratios & having detailed discussion with Relationship Manager(s)
Assist Head of Credit Risk in daily Credit Risk related activities & in formulation of risk policies, Underwriting Standards, Product Program Guidelines, and Country Credit Approval Documents etc.
Operational Risk
Assist Operational Risk Head in developing and updating of procedure, controls & monitoring plans for Operational Risk Management & to report OR issues & Losses to Line Manager
Responsibilities Responsible for developing content in a finalized report form on a variety of topics ranging from business to financial research and making use of all possible means including both online and offline research mediums.
Responsibilities During the tenure, I have worked on various statutory and non-statutory audits and reviews & special nature advisory engagements. I was involved & responsible for Audit & Review engagements, consisting of analysis and review of financial statements, ensuring adequacy of reporting system, compliance with statutory requirements, International Financial Reporting Standards (IFRSs) and reviewing of existing systems to identify any internal control weaknesses
I have completed my MBA in Finance with the following majors - Corporate Finance - Treasury & Fund Management - Portfolio Analysis - Security Analysis - Financial Managment