VP - Credit Risk (Head SME & Commercial Credit Approval)
Dubai Islamic Bank (Pakistan) Limited
Total years of experience :25 years, 2 Months
• To review Credit Line Recommendations of allocated Areas/Segments to ensure conformity with Bank’s policy & identify potential credit problems/deviations.
• Ensure that bank’s credit policy and all regulatory requirements are being followed at the time of sanction /renewal. Suggest, complement and help in devising and improving policy and operational aspects concerning security documentation and related concerns Branches/Areas.
• Provides an ongoing assessment of credit risks in the product and portfolio strategies.
• Advises credit and loan personnel on the Bank’s overall lending policy, keeping in mind significant market trends.
• Recommends credit limits and authorizes credit risk exposures up to allocated limits of authority.
• Recommends and implements policy change for existing and new products based on transactional behavior and feedback from front-end teams vis-à-vis the credit risk acceptance levels.
• Ensures adherence to Internal Credit Risk Management Guidelines and external regulatory requirements by other units involved in credit processing and execution of transactions
• Maintains a balance between managing credit risk and ensuring constant growth of the portfolio.
• Prepares and reviews statistical analysis performed on segment performance, various trends and potential market realities
• Manages credit risk in segment portfolio through each step of the credit process.
•Analyzing credit proposals of Corporate Banking by looking at financial risk profile, repayment capability, security adequacy and industry position, conducting preliminary analysis and providing observations prior to the detailed analysis to be undertaken by the Regional Head - Corporate Credit
•Ensuring credit facilities have been properly structured and no violation of internal or external (SBP) regulations/policies
•Preparing detailed notes of recommendation for approval, rejection or amendments based on risk analysis
•Conducts external environment analysis to understand its impact on credit portfolio
•Gathering data to ensure availability of all information needed for effective credit decisions
•Helping the Regional Head - Corporate Credit in deciding whether to recommend for approval or rejection
•Any other responsibility assigned by the supervisor
• Credit & Risk Assessment of credit proposals of Northern & Central Zone.
• Analyzing proposals of Syndicated Finances, TFC & CP.
• Analysis of Financial Statements
• Monitoring of assigned portfolio to ensure SBP Prudential compliance, adherence to Bank’s Credit Policy, perfection of securities and identifying risk assets
• Making presentation of assigned credit portfolio to Central Credit Committee.
• Part of advisory committee constituted to suggest steps for implementation of New Prudential Regulations
• Issuance of policy guideline circulars.
• Member of IT committee to construct credit operational software.
• Supervision & Co-ordination with Area Offices/Branches for preparations of various reports to be submitted to SBP / Top management.
• Reporting to General Manager - Credit, in terms of decisions related to credit exposure, assessing credit risks, pricing, relationship strategies and policy guidelines
September 2001 to May 2003 - Credit Risk Analyst - OG-I (Corporate Banking Group)
• Credit Risk Assessment of financing proposals
• Analysis of Financial Statements
• Market analysis
• Making recommendations on credit proposals for Management approval
• Monitoring of assigned portfolio to ensure SBP Prudential compliance, adherence to Bank’s Credit Policy, perfection of securities and identifying risk assets
July1999 to September 2001 - Relationship Manager (Corporate Banking Group - South)
• To liaison with corporate customers
• Implementation of corporate marketing strategies
• Achieving assigned business targets
• Management of portfolio of asset & liability
• Ensures loan documentation of assigned portfolio is complete
• Preparation of credit line proposals for clients
• Monitoring of assigned corporate accounts on daily basis
• Dealing with internal & external audit and its compliance
• Financial analysis and risk assessment
• Support to various internal departments like credit administration, legal counsel & operations