Muhammad Hasan Siddiqui, Senior Manager – Credit Risk

Muhammad Hasan Siddiqui

Senior Manager – Credit Risk

BankIslami Pakistan

Location
Pakistan
Education
Master's degree, Finance
Experience
14 years, 0 Months

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Work Experience

Total years of experience :14 years, 0 Months

Senior Manager – Credit Risk at BankIslami Pakistan
  • Pakistan - Karachi
  • My current job since September 2021

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

AVP - Credit Analyst at Dubai Islamic Bank
  • Pakistan - Karachi
  • October 2019 to August 2021

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

Credits & Marketing (CMO) - Manager I at Habib Bank Ltd
  • Pakistan - Karachi
  • May 2016 to October 2017

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)

Credit Analyst at MCB Bank Limited.
  • Pakistan - Karachi
  • September 2014 to April 2016

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.

Business Analyst at Bank Al Habib ltd.
  • Pakistan - Karachi
  • March 2014 to August 2014

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.

Credit Risk Analyst at Standard Chartered
  • Pakistan - Karachi
  • December 2011 to February 2014

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

Associate Executive – Research & Writing at Axact Pvt Ltd
  • Pakistan - Karachi
  • February 2011 to November 2011

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.

Auditor at BAKERTILLY INTERNATIONAL (AUDIT FIRM)
  • Pakistan - Karachi
  • July 2008 to February 2011

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

Education

Master's degree, Finance
  • at Mohammad Ali Jinnah University
  • December 2024

I have completed my MBA in Finance with the following majors - Corporate Finance - Treasury & Fund Management - Portfolio Analysis - Security Analysis - Financial Managment

Master's degree, Masters of Business Administration,
  • at Mohammad Ali Jinnah University (MAJU)
  • January 2010
Bachelor's degree, Bachelors of Commerce
  • at University of Karachi (UoK)
  • January 2007

Specialties & Skills

Credit Review
Credit Risk
Leasing
Financial Analysis
Operational Risk Management
FINANCIAL STATEMENTS
MANAGEMENT
BUSINESS PROPOSALS
CREDIT RISK
OPERATIONAL RISK
PERFORMANCE ANALYSIS
BANK REGULATIONS
ONBOARDING
INVESTMENT BANKING
LOAN ORIGINATION
Oracle Financial Ver, 11i
MS Office
Project Managment
Leadership Skills
Soft Presentation

Languages

English
Expert
Urdu
Expert
Hindi
Intermediate

Training and Certifications

(Certificate)
Date Attended:
January 2012
(Certificate)
Date Attended:
March 2014
Credit Skills Assessment Certification (CSA) - Omega Performance & SCBPL (Certificate)
Date Attended:
October 2013
Valid Until:
January 9999
Islamic Banking Certificate - Centre For Islamic Economics (Certificate)
Date Attended:
December 2010
Valid Until:
January 9999
(Certificate)
Date Attended:
December 2013
Customer Due Diligence Certificate - CDD (Certificate)
Date Attended:
November 2012
Valid Until:
November 2012

Hobbies

  • Technology