Manager Regional Commercial & Retail Risk (Manager RC&RR)
Allied Bank Limited
Total years of experience :21 years, 5 Months
Managing PKR 8B credit portfolio of Commercial & Retail Banking, for 5 regions covering 120+ branches with a team of 8 Risk Analysts, with PKR 100 million credit authority on group basis and PKR 50M per party. Supervising & supporting / leading a team of 8 Risk Analysts. Analyzing & approving credit proposals / requests as second signatory after consultation with Business Groups. Review Assets Product Manuals, generated by Business Group, and Credit Policies / Manuals for CRO and recommend changes with special focus on operational / credit risk in line with bank/regulator's policies compliance. Regular client visits to assess the funding requirements & feedback on existing credit lines whether those are in line with their business processes i.e. Credit structuring. Monitoring of infected portfolio, issue early warning signals to the field and ensuring either all debit balances against such relationships are validated / regularized after obtaining approvals from risk office to avoid penalty / observations from internal / external auditors OR transferring of such portfolio to Special Assets Management Group for recovery of stuck-up credits. Providing guidance / assistance to field business offices on bank's risk management policies viz-a-viz various industries/sectors. Identify deteriorating markets/counter-parties and suggest credit policy changes to the higher management on respective relationships / portfolio. Where exposure is in excess of own credit authority or involves any exception / breach of credit policy such credit requests are reviewed and recommended accordingly at higher levels by presenting concise Transaction Summaries. Review periodically established credit risk ratings and review / appraise / approved new / existing lending products. Recommend change in loans rating/classification based on periodic Classified Credit Reviews (CCRs) / account conduct and submit them for review and sanction from Chief Risk Officer.
Primary Credit Risk contact for assigned portfolio of PKR 22 billion (of 3 regions out of total 4 on country wide basis) and responsible for analyzing and arranging credit approvals from Country Head Commercial & Retail Risk / Chief Risk Officer after quantitative analysis including analysis of financial statements, operating & long term financing needs and cash flow projections to ascertain repayment capacity of the borrower keeping in view the transaction, market & industry position, collateral adequacy and due diligence on account behavior with bank/ other Financial Institutions and other stakeholders.; responsibilities included:
Ensuring compliance of regulator's risk management guidelines / Prudential Regulations, and ABL internal policies on risk management for all levels of approvals.
Review NOC requests of other banks for charge registration & issuance thereof.
Additional portfolio management responsibilities included loan renewals/modifications/interim reviews & other credit requests.
Review of Product Programs/ Structured Finance Programs relating to Commercial / Agricultural Financing for Chief Risk Officer with special focus on credit / operational risk.
Portfolio monitoring to ensure the valid approvals are on record / obtained by field against all debit balances and transfer of all infected / Non Performing Assets to Special Assets Management Group for recovery of such advances.
Supervised / led a team of five risk analysts and also responsible for their professional development.
Regular meetings with all Business Heads for Commercial & Retail Assets for conflict resolutions by developing / advising the credit risk strategies / policies after consultation with Country Head Commercial Risk keeping in view business / market dynamics.
Besides Team Leader for credit risk also worked as Team Leader Administration & assignment included:
• Look after the administrative / HR affairs of country office for 350 personnel
• Coordinate with CRBG & regional risk office for effective implementation of SOPs / credit policy guidelines & Prudential Regulations
• Assign tasks & provide guidance to support staff
For a credit portfolio of PKR 3 billion of Central & South Zones worked as Team Leader where responsibilities included:
• Ascertain adequacy and accuracy of credit approval as per Bank’s policy and in line with Prudential Regulation and Emerging Business Group (EBG) Credit Programme/SOPs.
• Check availability, adequacy, appropriateness and completion/perfection of legal and security documents before allowing disbursement/input of credit lines approved by the appropriate Credit Committee.
• Ensure Bank’s charges/security interests and registered with relevant Govt. Authorities (SECP, record of right) within the stipulated time frame.
• Supervise input of credit lines, markup rates as per approved Credit Application terms and conditions.
• Supervise and ensure preparation and submission of all reports to be submitted to various departments.
• Ensure Relationship Managers are informed at least one month ahead of any maturing obligations of respective Customers (Term Loan installments, ULC/FIM payments, markups etc.).
• Ensure good coordination/liaison between the respective CAD Officers and Sales Team. Also to ensure maintenance of cordial and working environment within the Unit.
• Ensure that all statutory, Legal, Prudential Regulations, Credit Policy, SOPs and Credit Programme requirements are complied and fulfilled.
• Perform/fulfill and other assignment given by the RCAD Head/EBG Risk Head/EBG Country Head and other senior management.
Nurture and manage new and existing client relationships of high profile and their related businesses. Develop sales plan for each relationship to provide an array of customized fiancial services: deposit, credit and personal banking products. Continually expand referral network through contact with various internal business partners and external financial intermediaries / banks.
Promoted and posted at present place to provide management direction and boost the combined portfolios of Rs. 530.000 million in deposits and credits/loans. Designed and executed successful relationship banking, marketing plan for the sale of credit products that included program lending under State Bank of Pakistan (SBP) directives, Consumer, Small & Medium Enterprises (SME), Corporate/Commercial and Agriculture financing. Worked with Shore Bank International (SBI) officials on SME financing under WHAM project funded by USAID. Managed and supervised a team of 11 people (officers / assistants) responsible for deposit/credit marketing and other unit functions
Managed the SME and Commercial Financing portfolio of Rs. 1.130 billion as Incharge SME & Commercial Finance (Commercial and Retail Banking Group). Aggressively marketed and cross sold all bank services, arranged for syndicate loans, renewed and strengthen asset quality including performing loans, restructures and transfer of problem loans. Prime responsibilities included:
• Analyzing credit proposals which included, risk assessment, financial analysis, facility and security structuring
• Liaison with various offices / departments that included Credit Operations, Credit Administration, Credit Management Group, Commercial & Retail Banking Group, Trade Finance, Audit & Compliance and Treasury
• Ensuring maximum credit lines utilization, maximizing more ancillary business, timely renewal / adjustment of financial obligations
• Analyze MIS statements & follow-up for limit allocations, disbursement & outstanding position etc.
• Solicit new business relations while retaining existing ones in NBP folio to build and expand on the NBP’s share in SME & Commercial Finance. This responsibility entailed credit initiation, credit investigation and risk analysis of the transaction under review
• Write credit proposals for loan accounts newly booked and renewal cases
• Coordinate among clients and various departments of the bank to ensure un-interrupted services to clients
• Assist the Manager Credit & Corporate Services in developing business plans, marketing, and building the loan portfolio for the unit.
• Complete pre-sanction / pre-disbursement formalities and execution of documents
• Obtain clearance certificate (DAC) from Compliance department to ensure timely disbursement of finances
• Interact with Treasury and Trade Finance Departments for banking transactions for clients
• Liaison with other financial institutions for syndicate loans / debt swaps etc
• Implement necessary programs to achieve financial targets set by the management
• Monitoring of the credit portfolio to ensure that the assigned targets of credit increase, ancillary business procurement and profitability are attained in line with the management’s pre-determined Key Performance Indicators (KPIs)
Responsible for
-Training Needs Assessment
-Evaluating the needs
-Developing Program Contents
-Designing and Developing Actual Programs
-Arranging for the seminars and training sessions for the employees and specially for the Management Trainees
Masters in Business Administration (MBA)
Bachelor of Computer Sciences
Bachelor of Sciences
Fellow of Sciences (Pre-Engineering)
Matriculation