Sr. Credit Risk Analyst
Dubai Islamic Bank
Total years of experience :18 years, 6 Months
At present, I am working with CRM majorly reviewing asset portfolio of SME & Commercial segment, having total approved limits of PKR 70.00 billion (approx.) consisting of almost all developing sectors of Pakistan i.e. Iron & Steel, Shipbreaking, Engineering, Edible Oil, Sugar, Textile, Chemicals, Seasonal Financing, General Traders/Importers, etc. where my job responsibilities are as follow:
Reviewing of credit proposals submitted by various business units, which include different type of funded and non-funded facilities along with other credit related request which includes but not limited to various types of waivers/ deferrals, post facto regularizations, concessionary pricing etc.
In depth analysis of the client's financial position for identifying pecuniary strength & weaknesses along with imposing obligatory remedial measures for mitigating the financial risk while according credit facilities.
Preparation of the recommendation note for presentation in Management Credit Committee of the Bank, encompassing all the necessary details about the customer, transaction, industry, observations, mitigates, recommendations. Further, provided in depth analysis and support for initiation of 1st ever shipbreaking transaction in the Bank.
Conducts personal visits to prospective clients to verify business credentials to start the application process.
Liaise directly with the business units, Legal Affairs, Trade Services Center, CAD, Customers and other stack holders if credit related issues need to be resolved for the implementation of limits.
As credit risk owner, identifies, mitigates, and monitors risks in credit function planning and Development. Support the Head- Policy on risk related research and assisting in the supervisory review process.
During my stay as a Credit Analyst with Group Head Retail Banking South, I as team member was managing assets portfolio of about PKR 50.00 Billion and contributing approx. PKR 76.00 Billion in bank’s Foreign Trade Business
Responsible for providing support for all operations functions including regulatory compliance, internal Audit Compliance, reporting and reconciliation.
Preparing credit line proposals for Commercial/SME customers requiring different types of Islamic Finance facilities such as Murabaha, Ijarah, Musharakah, and non funded facilities i.e. letter of credit and letter of guarantee.
In the process, credit analysis techniques: profitability analysis, efficiency ratios, liquidity and other known analytical tools. Furthermore, scoring for the nominated customers based on their financial and non financial information.
Manage the credit application process through accurate application review and credit scoring.
Managing all customer Services, A/c Opening, Cheque Book Issuance, ATM issuance/cancellation, Amendments and all related customer support services.
Responsible for the timely and error free processing of all trade finance transactions including letter of credit issuances, amendments, reimbursements, documentation, settlement, reporting and reconciliation.
Responsible for all Fx transaction i.e. inward remittances in daily Nostro activity, foreign bills for collection, Outward remittances, foreign telegraphic transfer and issuance of FDD
Reporting and dealing with treasury for all Fx transactions for spot and forward currency conversions. Monthly Foreign Exchange returns submission to Central Bank
Passed with 2nd Position
Passed with 3rd Position
GPA 2.2 Major Networking