عمر خان

• Manage the credit risk review process for the non-retail/corporate portfolio including; Contracting Finance, Home Finance, Corporate Public and Private Sector, Personal and Auto Finance, SMEs.
• Conduct investment process reviews. Assess the adequacy of impaired credits and investments, and ensure the adequacy of risk management processes.
• Test the effectiveness of internal control, compliance protocol, and corporate policies and procedures.
• Implement, manage, and monitor the department quality assurance program.
• Review and enhance audit procedures and methodologies. Report on audit observations and ensure compliance
with proper policies and controls. Identify new remedies and associated and potential risks.
• Oversee end-to-end management of annual audits, including: planning, reporting, due diligence, governance and
implementation of remedial measures. Facilitate communication with relevant stakeholders; ensure achievement
of KPIs and rectification of observations noted in audit reports.
• Perform fraud risk reviews and apply internal and external rating methodologies.

• Review client accounting and operating procedures and systems of internal control. Clients included: Etihad Airways, Abu Dhabi Commercial Bank, Union National Bank, Mubadala.
• Managed lending processes and credit reviews for treasury and money market accounts.
• Prepared for audits, maintained up-to-date knowledge of Deloitte audit approach, methodology, and tools.
• Established working relationships with client personnel and served as a liaison to internal audit personnel.
• Performed analytical review of audit documents. Identified accounting and auditing issues, and researched and
recommended solutions to resolve issues.
• Prepared financial statement reports and documentation supporting Deloitte audit opinions.

• Single point of contact for the Credit Risk Management Team
• CCS providing central coordination and oversight of all tasks to be managed for the respective CRM team
• Oversee production and quality control of various MIS and KPI reporting for the portfolio
• Focus on mid / high complexity processes and reporting - requiring detailed interpretation
• Understanding of information provided to formulate reports and presentations for the respective Credit Teams, and Senior Management.
• Ownership for the delivery of projects / daily processes to defined plans & quality standards along with assisting with overall enhancements to the Credit Area risk management processes and tools
• Assisting with UAT Testing for strategic changes or enhancements to respective risk systems

• Manage and grow relationships with the pool of new and existing corporates

• Liaise and manage relationship with CEOs, CFOs, and HR directors of a corporate for company sign ups

• Payroll account sales coupled with cross selling of asset and wealth products in corporates

• Manage a team of 6 sales associates to meet and exceed performance expectations

• Act as a bridge between employee banking and support functions of the bank

• Portfolio Management of corporate clients with a turnover of above PKR 3 Billion


• Managed a team of 12 to ensure swift migration of SME accounts to an electronic database
• Exceeded the target by 50% with effective strategies
• Grasped the importance of organizational controls and risk mitigation
• Directly reporting to the groups stakeholders
• Maintaining collaboration with global teams for quality assurance
• Acquired insight into the fundamentals of operational risks and compliance requirements
• 12 Month rotational programme in various departments of CB
• 1 Month training on ethics, policies, sales, marketing & other aspects of banking
• Specialized training for RM roles
• Credit Risk; Retail lending analytics, SME collections and collateral management database
• Product marketing; assisting all departments and organizing all events for the bank
• Worked with the SME, Investments and wealth management departments.
Acquired insight on branch sales and operations and strong relationship management