Senior Credit Risk Manager
MCB Bank Limited
Total years of experience :17 years, 9 Months
Assessment of risk for the consideration of lending / granting exposure
Evaluation of historical information to assess financial & business performance during review period.
Comprehensive qualitative & quantitative analysis of the entities being considered for lending
Gauging of the creditworthiness of entities by using different marketing & financial tools
Managed updated and implemented various internal credit policies.
Processed and escalated credit exception requests in accordance with the corporate credit policy.
Prepared monthly and quarterly reports and presentations for review by executive management
Monitored daily credit exposure of the trading counterparts assigned to the analyst
Meet with senior business and/or functional management to discuss and respond to their needs for technical, project and/or operational support.
Provide credit risk reports to Risk Management Committees and monitor credit quality, preparing summaries of provisions.
•Analyze the applicants’ financial statements in order to establish their creditworthiness.
•Analyze credit data and bank statements to determine the degree of risk involved in extending credit.
•Generate financial ratios, using computer programs, to evaluate customers' financial status.
•Accompany Relationship Managers on client calls for new acquisition and prepare credit proposal (Limit Application) for finalization within the agreed stipulated timelines.
•Analyze the potential risk associated with the applicants, their parents or subsidiary companies such as liquidity, debt levels, current loan agreements and shareholders concentration.
• Involved in daily branch activities to ensure smooth banking services to the clients.
• Worked in remittance department for issuance of DD, P.O & online funds transfer.
• Worked in clearing department for inward & outward clearing.
MBA from top rated business university of the country. In my MBA course my main subjects were. Risk Management Analysis of Financial Statements Project Appraisal Investment Analysis Financial Derivatives
Majors in Data Base Management Systems. Project Management (UML, OOD, SAD) Database (SQL Server / SQL) Programming Languages (C/C++, VB / VB.Net, ASP.Net)