Muhammad Faiq Zakai, Senior Credit Analyst. FI Risk

Muhammad Faiq Zakai

Senior Credit Analyst. FI Risk

Habib Bank Limited

Location
Pakistan - Karachi
Education
Diploma, Banking and Finance.
Experience
19 years, 0 Months

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Work Experience

Total years of experience :19 years, 0 Months

Senior Credit Analyst. FI Risk at Habib Bank Limited
  • Pakistan - Karachi
  • My current job since January 2022

as mentioned in resume

Senior Risk Analyst at Askari Bank Ltd.
  • Pakistan - Islamabad
  • June 2007 to January 2022

Currently associated with Askari Bank Ltd. - as Senior Credit Risk Analyst, my experience has enabled me to develop a comprehensive understanding of the competitive and regulatory environments of diversified industries, including mitigation of Risk in proposals for Lending to other Bank’s and Financial Institutions. I can do credit evaluations, structuring of credit limits and financial analysis of various business segments (Corporate, Commercial & SME) including Consumers.

Senior Credit Risk Analysis at Risk Management Division Head Office includes:
 Identification of Credit Risk in Pre Approval Credit Cases (Corporate, Commercial) by evaluating the proposals in every aspects like SBP regulations, Bank’s policies and Financial Analysis, Probability to Default and Credit Risk Ratings etc.
 Identification of Credit Risk in approved Credit Cases (Corporate, Commercial & SME) By Regional & Head Office Credit Committees by evaluating the proposals in every aspects like SBP regulations, Bank’s policies and Financial Analysis, Probability to Default and Credit Risk Ratings etc.
 Analysis and Decisions on new credit and annual review packages.
 Monitoring the quality of the credit portfolio of the Business Line/Portfolio.
 On the basis of the above, identifies potential problem credit accounts and makes suggestions/recommendations for remedy/monitoring of such situations.
 Previously worked as a Relationship Manager at Regional Office South covering the whole Karachi Region in term of Risk Assessment and negotiating and structuring the financing facilities of the customers for Fresh, Enhancement, and Renewal of different Credit Approvals.
 Previously worked as Relationship Manager at Jodia Bazar Branch, managing the portfolio of around Rs. 3.5 Billion.

Credit Officer at Bank Alfalah Limited
  • Pakistan - Karachi
  • July 2006 to July 2006

Previously worked as a Credit Officer - Range-2 at P.E.C.H.S. Branch, managing the portfolio of around Rs. 2 Billion.

As Relationship Manager:
 Relationship Management & Credit Operations of the Branch.
 To negotiate and structure financing facilities.
 To monitor and streamline the actual availment of financing facilities by the client.
 Making Credit Proposals and managing related documents.
 Issuance of Guarantees.
 Correspondence with Client, Area Office, & Head Office.

Credit Officer at MCB Bank Limited
  • Pakistan - Karachi
  • July 2004 to July 2006

Previously worked as a Credit Officer - OG-III at Karachi Stock Exchange Branch, managing the portfolio of around Rs. 22 Billion.

As Credit Officer:
 Relationship Management & Credit Operations of the Branch.
 To negotiate and structure financing facilities.
 To monitor and streamline the actual availment of financing facilities by the client.
 Making Credit Proposals and managing related documents.
 Issuance of Guarantees.
 Correspondence with Client, Regional Office, Circle Office, & Head Office.
 Monthly Reporting of FAS (Finance against Shares) Online and CIB Online.
 Maintaining Daily Receiving & Payments of NCCPL.
 I had also worked as Credit Analyst - OG-III at Circle Office Commercial (Central), managing the Credit Portfolio of 17 Branches under the jurisdiction of this circle office.
 Previously I had also worked as ATM Coordinator in MCB main Branch, managing 6 ATM’s at a time, 3 of them situated in MCB Main Branch, two of them situated in State Bank’s Premises while one is situated in MCB Tower (Head Office)
 At that time my Key responsibilities as an ATM Coordinator include ATM daily transaction reconciliation, proactive claim settlement; Cash Replenishment in ATM’s, monitoring the performance and takes preemptive measures for better performance of ATM’s.

Education

Diploma, Banking and Finance.
  • at Institute of Bankers Pakistan
  • May 2013

Currently enrolled and cleared stage II of JAIBP, and appearing in Stage III in May 2013.

Master's degree, Human Resource Management
  • at Pakistan Institute of Management
  • December 2008

Specialties & Skills

Corporate Credit
credit risk analysis
Financial Analysis
Bank Relationship Management
Credit Analysis
MS Office
Financial Analysis
Risk Analysis
Credit Analysis
Relationship Management

Languages

English
Expert
Urdu
Expert
Arabic
Beginner

Training and Certifications

Basics of Trade Finance (Certificate)
Date Attended:
February 2010
Valid Until:
February 2010
Credit Documentation (Certificate)
Date Attended:
July 2012
Valid Until:
July 2012
Comprehensive Credit Course (Certificate)
Date Attended:
March 2010
Valid Until:
March 2010
Basics of Credits (Certificate)
Date Attended:
October 2009
Valid Until:
October 2009

Hobbies

  • Want to Learn more about credit Risl and Risk Modeling.