M. Farshad Cader

Responsible for Financial Institutions and Correspondent Banking relationships for KFH Group covering a spectrum of activities across the Globe. Reporting to General Manager - Group Financial Institutions

- Responsible for new bank relationships, assessing potential for business opportunities between institutions and liaising with business units among institutions for mutual business interest
- Negotiating reciprocity of businesses from Correspondent Banks.
- In charge for new account opening decision making for the bank including Nostro, Vostro and special accounts such as Euroclear and Clearstream etc.
- Negotiating FI businesses with Correspondent Banks for KFH subsidiaries namely KFH-Malaysia, KFH- Bahrain and KPTB-Turkey and co-ordinating with KFH Group for Funding Strategy and expansion activities.
- Securing bank lines for KFH and its subsidiaries
- Obtaining approvals for bank lines and annual review.
- Country Reviews including macroeconomic, political, counterparty analysis for definition of country & counterparty credit appetite.
- Monitoring limits on an ongoing basis and suggesting corrective actions if warranted
- Involvement in setting up AML compliance policy for the Financial Institutions and non-financial risk processes (compliance etc)
- Setting up guidelines and terms and conditions for correspondent banking operations and monitoring operations department’s performance on a periodic basis
- Maintaining relationship with Foreign banks in the field of Trade Finance and Cash Management and providing recommendations to line managers for enhancement of business prospects for improving profitability

Al Rajhi Bank, Saudi Arabia (September 2008 to February 2011)
Head of Financial Institutions (GCC & MENA) - Financial Institutions Department (CBG)

Al Rajhi Bank (ARB), Saudi Arabia (September 2008 to February 2011)

(Al Rajhi Bank is the largest Islamic Bank in the World and also one of the largest banks in the region with an asset base of over US$ 70 billion and a branch network of over 500 branches. It is A+, A1 and A+ rated by Fitch, Moody's and Standard & Poor's respectively)

Head of Financial Institution (GCC & MENA) - Financial Institutions (Corporate Banking)

Responsible for Financial Institution relationships managing a vital market namely GCC & MENA which is the main focus of the bank that generates approximately 60% of the ARB's FI income. Traditionally ARB is very strong in remittance business enjoying a market share of approximately 55% among the 11 Saudi banks. In year 2009 the outward remittance volume for ARB was 12 million transactions with a value of over US$ 25 billion where Saudi remittance market stands second only to the USA. Reported to Assistant General Manager - FI & GTB

Key Accomplishments
- Exercised solid credit intuition and judgement in extending banks lines to counter party banks which amounts to more than US$ 8.1 billion for the region
- Negotiated and managed the closing of the following bi-lateral deals with attractive arrangement fees;
• US$ 80 Mn Murabaha facility for a leading regional bank
• US$ 50 Mn Murabaha facility for a large International bank
• US$ 50 Mn Murabaha facility for a leading Islamic bank
- Achieved an increased momentum in Trade Finance business through enhanced relationship strategies, cross selling and overseas business visits
- Increased the rebate income of the region substantially through marketing plans with Tahweel
- Achieved a target over 130% of the budget from rebates, fees and vostro balance income
- Awarded an "Outstanding" rating in PACE performance program

Responsibilities and Experience
- Responsible for developing and maintaining of relationships in view of increasing bank's FI profits, attracting new businesses and reducing risk of the bank.
- Executing and implementing strategic and financial objectives set forth in the business plan ensuring continuous diversification of earnings.
- Building an asset book for Financial Institutions
- Negotiating reciprocal businesses from the major counterparties by way of substitute revenue such as rebates, fee sharing etc.
- Working closely with FI product teams, Treasury, Corporate, Remittances and other affiliated departments for cross selling of ARB's products
- Identifying potential customers by joint lead generation with Team Leaders and Senior RM's.
- Attending seminars and conferences relating to FI with a view of networking.
- Playing a pivotal role in co-ordinating and negotiating documents with one of the most stringent and conservative Shariah board and International lawyers
- Keeping senior management informed of the actual performance versus business plans and tasks.
- Updating senior management on important economic, political developments and competitor activities in the region
- Providing leadership and cohesiveness to a group of professionals who manage institutional relationships.
- Providing insight and guidance to ARB's trade and structured trade businesses
- Involvement in the recruitment process and recruitment of Senior RM's and Team Leaders.
- Developing human resources through training, team building, incentive programs, monitoring KPI's and evaluating staff performance.
- Reviewing and contributing to decision making of budgets prepared by Team Leader and Senior RM's.
- Guiding and training young Saudi banking professionals in the area of Financial Institutions and assisting them in their career progression

Banque Saudi Fransi (Formerly known as Saudi French Bank), Saudi Arabia (February 2000 to November 2001)

Relationship Officer - Commercial Banking
Officer in charge for more than 40 commercial accounts which included small and medium sized companies for credit lines; Experience gained include amongst others were;

- Preparation of new credit proposal to the Credit Committee
- Annual due diligence on assigned names
- Periodic analysis and review of financials/ risk grading
- Preparation of financial analysis, diary notes and excess approvals
- Attending client meetings and their commercial needs
- Lead wallet sizing and account planning for the portfolio
- Remedial management and follow up on classified accounts

Responsible for Financial Institution relationships managing a vital market namely GCC & MENA which is the main focus of the bank that generates approximately 60% of the ARB’s FI income. Traditionally ARB is very strong in remittance business enjoying a market share of approximately 55% among the 11 Saudi banks. In year 2009 the outward remittance volume for ARB was 12 million transactions with a value of over US$ 25 billion where Saudi remittance market stands second only to the USA. Reported to Assistant General Manager - FI & GTB

Key Accomplishments

- Exercised solid credit intuition and judgement in extending banks lines to counter party banks which amounts to more than US$ 8.1 billion for the region
- Negotiated and managed the closing of the following bi-lateral deals with attractive arrangement fees;
• US$ 80 Mn Murabaha facility for a leading regional bank
• US$ 50 Mn Murabaha facility for a large International bank
• US$ 50 Mn Murabaha facility for a leading Islamic bank
- Achieved an increased momentum in Trade Finance business through enhanced relationship strategies, cross selling and overseas business visits
- Increased the rebate income of the region substantially through marketing plans with Tahweel
- Achieved a target over 130% of the budget from rebates, fees and vostro balance income
- Awarded an “Outstanding” rating in PACE performance program

Responsibilities and Experience

- Responsible for developing and maintaining of relationships in view of increasing bank’s FI profits, attracting new businesses and reducing risk of the bank.
- Executing and implementing strategic and financial objectives set forth in the business plan ensuring continuous diversification of earnings.
- Building an asset book for Financial Institutions
- Negotiating reciprocal businesses from the major counterparties by way of substitute revenue such as rebates, fee sharing etc.
- Working closely with FI product teams, Treasury, Corporate, Remittances and other affiliated departments for cross selling of ARB’s products
- Identifying potential customers by joint lead generation with Team Leaders and Senior RM’s.
- Attending seminars and conferences relating to FI with a view of networking.
- Playing a pivotal role in co-ordinating and negotiating documents with one of the most stringent and conservative Shariah board and International lawyers
- Keeping senior management informed of the actual performance versus business plans and tasks.
- Updating senior management on important economic, political developments and competitor activities in the region
- Providing leadership and cohesiveness to a group of professionals who manage institutional relationships.
- Providing insight and guidance to ARB’s trade and structured trade businesses
- Involvement in the recruitment process and recruitment of Senior RM’s and Team Leaders.
- Developing human resources through training, team building, incentive programs, monitoring KPI’s and evaluating staff performance.
- Reviewing and contributing to decision making of budgets prepared by Team Leader and Senior RM’s.
- Guiding and training young Saudi banking professionals in the area of Financial Institutions and assisting them in their career progression

Kuwait Finance House, Kuwait (November 2001 to August 2008)
Manager-Financial Institutions / Head of Correspondent Banking-International Investment Dept

Kuwait Finance House (KFH), Kuwait (November 2001 to August 2008) & (March 2011 to date)

(KFH is the second largest commercial bank in Kuwait and the second largest Islamic Bank in the world with an asset base of over US$ 52 billion. It is also "A" rated bank by Fitch, Moody's and Standard & Poor's.)

Senior Manager/ Head of Financial Institutions - International Banking
Manager-Financial Institutions / Head of Correspondent Banking-International Investment Dept

Responsible for Financial Institutions and Correspondent Banking relationships for KFH Group covering a spectrum of activities across the Globe. Reporting to General Manager - International Banking.

Key Accomplishments
- Successfully negotiated bank lines for KFH amounting over US$ 500 million within a short span of six months
- Extending bank lines to counterparty banks which amounting to more than US$ 4.6 billion.
- Secured credit lines for KFH and subsidiaries amounting to more than US$ 2.8 billion
- Preparing and obtaining approval for Financial Institutions Strategy for the bank
- Assisting the external consultants in preparing the Financial Institutions policies and procedures for the bank
- Awarded "Excellent" grading in evaluation

Responsibilities and Experience
- Responsible for new bank relationships, assessing potential for business opportunities between institutions and liaising with business units among institutions for mutual business interest
- Negotiating reciprocity of businesses from Correspondent Banks.
- In charge for new account opening decision making for the bank including Nostro, Vostro and special accounts such as Euroclear and Clearstream etc.
- Negotiating FI businesses with Correspondent Banks for KFH subsidiaries namely KFH-Malaysia, KFH- Bahrain and KPTB-Turkey and co-ordinating with KFH Group for Funding Strategy and expansion activities.
- Securing bank lines for KFH and its subsidiaries
- Obtaining approvals for bank lines and annual review.
- Country Reviews including macroeconomic, political, counterparty analysis for definition of country & counterparty credit appetite.
- Monitoring limits on an ongoing basis and suggesting corrective actions if warranted
- Involvement in setting up AML compliance policy for the Financial Institutions and non-financial risk processes (compliance etc)
- Setting up guidelines and terms and conditions for correspondent banking operations and monitoring operations department's performance on a periodic basis
- Maintaining relationship with Foreign banks in the field of Trade Finance and Cash Management and providing recommendations to line managers for enhancement of business prospects for improving profitability

Key Accomplishments

- Successfully negotiated bank lines for KFH amounting over US$ 500 million within a short span of six months
- Extending bank lines to counterparty banks which amounting to more than US$ 4.6 billion.
- Secured credit lines for KFH and subsidiaries amounting to more than US$ 2.8 billion
- Preparing and obtaining approval for Financial Institutions Strategy for the bank
- Assisting the external consultants in preparing the Financial Institutions policies and procedures for the bank
- Awarded “Excellent” grading in evaluation

Responsibilities and Experience

- Responsible for new bank relationships, assessing potential for business opportunities between institutions and liaising with business units among institutions for mutual business interest
- Negotiating reciprocity of businesses from Correspondent Banks.
- In charge for new account opening decision making for the bank including Nostro, Vostro and special accounts such as Euroclear and Clearstream etc.
- Negotiating FI businesses with Correspondent Banks for KFH subsidiaries namely KFH-Malaysia, KFH- Bahrain and KPTB-Turkey and co-ordinating with KFH Group for Funding Strategy and expansion activities.
- Securing bank lines for KFH and its subsidiaries
- Obtaining approvals for bank lines and annual review.
- Country Reviews including macroeconomic, political, counterparty analysis for definition of country & counterparty credit appetite.
- Monitoring limits on an ongoing basis and suggesting corrective actions if warranted
- Involvement in setting up AML compliance policy for the Financial Institutions and non-financial risk processes (compliance etc)
- Setting up guidelines and terms and conditions for correspondent banking operations and monitoring operations department’s performance on a periodic basis
- Maintaining relationship with Foreign banks in the field of Trade Finance and Cash Management and providing recommendations to line managers for enhancement of business prospects for improving profitability

Banque Saudi Fransi (Saudi French Bank), Saudi Arabia (February 2000 to November 2001)
Relationship Officer - Commercial Banking

Officer in charge for more than 40 commercial accounts which included small and medium sized companies for credit lines; Experience gained include amongst others were;

- Preparation of new credit proposal to the Credit Committee
- Annual due diligence on assigned names
- Periodic analysis and review of financials/ risk grading
- Preparation of financial analysis, diary notes and excess approvals
- Attending client meetings and their commercial needs
- Lead wallet sizing and account planning for the portfolio
- Remedial management and follow up on classified accounts

Commercial Bank of Ceylon, Sri Lanka (May 1996 to January 2000)
Account Relationship Manager - Corporate Banking

Commercial Bank of Ceylon, Sri Lanka (May 1996 to January 2000)
(The Largest Private Bank, Best Rated Bank in Sri Lanka by Fitch/Global Finance and Banker Magazine)

Account Relationship Manager - Corporate Banking

Assigned for bank's prime Executive Training Programme and trained on the job in Credit, Treasury, Retail/Consumer, Commercial and Corporate Banking, Trade Finance, FCBU, Branch Banking and Financial Institutions for a period of 12 months and was recognized as The Best Young Banking Executive in 1997.

Upon completion of training, was appointed as an Account Relationship Manager attached to the Corporate Banking Unit at the Head Office and was entrusted to manage a portfolio of very important segment of the Bank's corporate clientele. (Approximately 12% of the Bank's total direct advances and the largest portfolio of the bank) . Reported to Assistant General Manager (Corporate Banking) through Chief Manager (Corporate Banking) and set out below are some of the key duties and responsibilities.

- Identification and exploration of new business opportunities for existing and new clients
- Performance of in-depth and competitive market studies that assist credit decisions
- Performance of credit appraisal of corporate clients and obtaining approval
- Execution of facilities and security documentation
- Effective post sanction and monitoring of advances
- Performance of annual review of clients
- Rescheduling facilities granted to customers who subsequently face genuine problems
- Liaising with customers and attending to their financial and non-financial needs
- Monitoring pricing and profitability contributed by customer and product to ensure loan pricing is within banks corporate policy
- Identifying, marketing and negotiating with potential and existing customers to maximize earnings

Muslim Commercial Bank (Middle East Bank), Sri Lanka (August 1995 to May 1996)
Officer Trainee / Management Trainee - Internal Audit

DETAILED WORK EXPERIENCE AND ACHIEVEMENTS

Muslim Commercial Bank (Middle East Bank), Sri Lanka (August 1995 to May 1996)
Officer Trainee - Internal Audit

Responsibilities include:
- Audit of major transactions covering Trade Finance, Treasury, Corporate and Consumer Credit to ensure transactions carried out as per bank's internal guidelines and procedures
- Identification of process weaknesses and reporting to Chief Internal Auditor
- Performance of surprise cash counts and audit visits to branches

JOB RELATED TRAINING PROGRAMS / SEMINARS ATTENDED
* Correspondent Banking (FI) Training at Citibank, Bahrain
* Intensive Bank Analysis by Fitch Training, United Kingdom
* International Trade Finance Course by Lloyds Bank, United Kingdom
* Bank Ratings & Analysis Workshop by Capital Intelligence, Cyprus
* International Bankers Seminar at Deutsche Bank, Germany
* Correspondent Banking Leaders Conference by Citibank, Egypt
* UCP 600 Seminar by ABN Amro Bank, UAE
* Investing in Deflationary World by JP Mogan Chase, UAE
* Lending Managers workshop
* Project Appraisal and Follow-up
* Workshop on Credit Analytical Skills
* Workshop on Islamic Banking

LEADERSHIP