Senior Manager -Vice President Risk Management
Industrial and Commercial Bank of China
Total years of experience :21 years, 11 Months
Credit Administration - Risk Management Department(Jun-22 to date)
•Managing Documentation & Review.
•Preparation of charge/security documentation as per terms & conditions of approved Sanction Advise for all credit facilities including fresh/renewal limits, Excess Over Limit(EOL), One Time Transaction(OTT) etc.& to co-ordinate respective Business Group in case of any ambiguity.
•To critically review all the executed Charge and security documents along with insurance and Stock Reports. Obtain and retain securities through vault management.
•Issuance of Clean/Conditional Disbursement Authorization Certificate/authorizing disbursements after necessary due diligence and completion of all necessary documentation / formalities.
•Monitoring of all insurances policies, Stock Reports and Sanction Advices of the customers and to update status to the business units.
•To ensure compliance of terms & conditions of Sanction Advices, Credit Administration Manual, Bank's policies & procedures, SBP Prudential Regulations & policies related to Credit Administration.
•Ensure consistent, accurate and timely delivery of services in line with the approved Service Level Agreement and as per Policy & Procedures of the bank.
•Prepare & check periodic exception reports of credit portfolio & ensure timely reporting.
•Liaison with Business groups for any issues related to their portfolio and for the timely rectifications of the discrepancies.
•To assist in maintenance of sound and efective credit risk management process. (August 06, 2003 - June 22, 2022) BANK ALFALAH LIMITED Credit Administration Department Managing & Monitoring Pre & Post Disbursement CAD operations for south region compliance of Credit approvals and its execution, compliance of Bank's & Regulator's policies Procedures, Guidelines & local Laws.
Manager Documentation & ReviewCredit Administration.(Jun-19 to Jan-21)Corporate, Commercial, SME facilities for Interior Sindh & Balochistan
Special Assignment (Dec-15 to May-19):
Centralized Portfolio Monitoring for Financing against Shares.
Provided a challenging opportunity being selected for Centralization of Shares Financing Portfolio and its Monitoring.
Assign limits against shares by calculating drawing power on the basis of market price, its eligibility being approved security and applicable margin calculation.
Review of assigned limits and its revision as per collateral market prices at Close of Market on daily basis.
Pledge & De-pledge of shares and accordingly assign revised limits.
Take corrective measures for rectification in shortage of margin at Close of Market on daily basis.
Execution and settlement of special intraday transactions.
Portfolio Reporting; Daily, Fortnightly, Monthly, Quarterly & Yearly.
Audit & Inspection: SBP, Internal Audit, Compliance, 3rd Party Independent Audit.
Coordinating for designing of different monitoring soft wares and conduct UAT’s. ➢Representing CAD for new products designing and implementation process.
Team Member Documentation & ReviewCredit Administration.(2012 to 2015)Corporate, Commercial, SME facilities for Interior Sindh & Balochistan
ManagerCredit Administration-Mortgages.
Conventional & Islamic Mortgage- consumer facilities for entire South Region (Sindh & Balochistan) (July 01, 2007- 2015) Job Description:
Responsible for documentation, disbursement, custodianship & settlement of mortgage facilities of South Region including Islamic Mortgage facilities, Holding Bank’s Power of Attorney.
Authorized Signatory for Facility Offer Letter- Conventional Mortgages.
Final Signatory for the issuance of Disbursement Authorization.
Final signatory for issuance of Loan Settlement Certificate & Release of Mortgaged Documents & charge Redemption.
To supervise accurate preparation of charge / security documentation as per the terms & conditions of approvals for all types of credit facilities.
To ensure all the review activities are done in smooth manner and to ensure timely communication of deficiencies to respective business units.
To ensure issuance of Clean/Conditional DAC after necessary due diligence and completion of all necessary documentation / formalities.
To coordinate with business groups for release of security / issuance of NOCs upon receipt necessary approvals & documents
(July 06, 2006- June 31, 2007) Bank Alfalah Limited
As a Team Leader-South Region: Credit Administration (Documentation Control Center-DCC) Special Task:
Monitoring & facilitating Islamic Mortgages south region.
Achievement:
Promoted as Manager South Region. Training:
“Personal Effectiveness” 2 days session (10.05.2007-11.05.2007) Bank Alfalah Ltd Training & Development Center
“Advance Credit” 4 days session (06.09.2006-09.09.2006) Bank Alfalah Ltd Training & Development Center
(July 01, 2005- June 31, 2006) Bank Alfalah Limited
As a Team Leader-Karachi Region: Credit Administration (Documentation Control Center-DCC) Achievement:
Centralization of Credit Administration Department from the decentralization.
Promoted as Team Leader South Region.
(January 01, 2004- June 31, 2005) Bank Alfalah Limited
As a Credit Admin. Officer-Karachi: (Documentation Control Center-DCC) Achievement:
Promoted as Team Leader Karachi Region.
Create & setup DCC operations at HO Level with the Team Leader (2 members team) Trainings Conducted:
Train new inductees for the DCC operations.
(August 06, 2003- December 31, 2003) Bank Alfalah Limited
As a
Credit Analyst for Pan Pakistan
MIS Coordinator for Pan Pakistan
Insurance Coordinator for Pan Pakistan
Marketing Oficer: Marketing of Mortgage Products for Commercial properties and Residential Properties, preparation of Credit proposals and analysis of credit risks based on Company's and Regulator's Credit policies, Procedures. Job Description:
•Assist SVP Credit & Marketing on all matters related to Credit & Marketing Department (C&M)
•Prepare & Process country wide Credit Proposals
•Prepare Income Estimation Reports
•Verification of credit related documents
•Obtain & review CIB reports (Authorized for online CIB)
•Obtain Valuation Reports
•Obtain Property & Mortgage Insurance
•Personally visit the property to be financed and monitor the construction status and utilization of funds in construction cases
•Issuance of Sanctions Letters
•Coordinating between Head Ofice and branches
•Rescheduling of existing loans
•Execution of Property Funding Agreements
•Memorandum of Deposit of Title Deed
•Arrange the date of disbursement co-coordinating between lawyer and the customer
•Issuance of Disbursement Cheques
•Recovery of Delayed and defaulted payments
•Prepare Marketing Reports
•Prepare Credit Reports
•Maintain marketing & credit data Achievement:
•Achieved the target for the year 2001-2002
•Achieved the target for the year 2002-2003
•Granted special performance Bonus after resignation for the year 2002-2003 Trainings:
•"How to Succeed through Customer Services" 04 days session (02.09.2002- 05.09.2002) Pakistan Institute of Management
•"Power User Track (MS Word &MS Excel)" 04 days session (08.11.01-11.11.01)
1st Division