Muhammad Mesum Hassan Naqvi, Credit Risk Manager

Muhammad Mesum Hassan Naqvi

Credit Risk Manager

The Bank Of Punjab

البلد
باكستان - لاهور
التعليم
ماجستير, Masters in Commerce
الخبرات
9 years, 9 أشهر

مشاركة سيرتي الذاتية

حظر المستخدم


الخبرة العملية

مجموع سنوات الخبرة :9 years, 9 أشهر

Credit Risk Manager في The Bank Of Punjab
  • باكستان
  • أشغل هذه الوظيفة منذ نوفمبر 2019

* Develop, review, and update credit policies in alignment with industry standards and organizational goals for Consumer, Mortgages, Agriculture and SME products.
* Conduct thorough financial analyses to assess the
creditworthiness of clients and potential borrowers.
* Monitor and manage the overall credit portfolio to
maintain a healthy balance between risk and return.
* Ensure that the organization's credit practices comply with all relevant laws and regulations including but not limited to regulatory compliance.
* Provide trainings on behalf of Risk Management Group to
newly hired batches.

Senior Credit Analyst في Faysal Bank Limited
  • باكستان - لاهور
  • نوفمبر 2015 إلى يوليو 2019

* Conduct detailed financial analyses to assess the creditworthiness of clients and potential borrowers.
* Evaluate financial statements, credit reports, and other relevant data to determine risk levels.
* Quantify and assess credit risks associated with individual clients of consumer finance.
* Ensure compliance with credit policies and guidelines.
* Actively participate in process improvement initiatives to enhance the efficiency and effectiveness of credit risk analysis.

Data Processor في Mcb Bank Limited
  • باكستان - لاهور
  • مارس 2015 إلى نوفمبر 2015

*Process the loan applications, ensuring that all required documentation is complete and compliant with regulatory standards.
* Collaborate with Loan Officers to resolve any discrepancies in documentation and further submission
for approval.
* Ensure that all data processing activities are align with Bank’s policy and regulatory requirements.

Recovery Officer في Standard Chartered - Pakistan
  • باكستان - لاهور
  • ديسمبر 2013 إلى أغسطس 2014

* Communicate with borrowers to understand their financial situation and reasons for non-payment.
* Negotiate repayment plans, settlements, or
modifications based on the borrower's circumstances
and organizational guidelines.
* Generate reports on the status of delinquent loans,
recovery efforts, and effectiveness of strategies.
* Collaborate with internal teams, including legal, risk
management, and customer service, to optimize loan
recovery processes.

الخلفية التعليمية

ماجستير, Masters in Commerce
  • في National University Of Modern Languages
  • يونيو 2018

Specialties & Skills

Policy Design
Management
Forecasting
Financial Modeling
Risk Analysis

اللغات

الانجليزية
متمرّس

التدريب و الشهادات

Financial Modelling (الشهادة)
تاريخ الدورة:
February 2024