Saad Tariq Siddiqui CFA, Unit Head - Debt Capital Market and Syndication

Saad Tariq Siddiqui CFA

Unit Head - Debt Capital Market and Syndication

Habib Bank Limited

Location
Pakistan - Karachi
Education
Higher diploma, Chartered Financial Analyst
Experience
14 years, 2 Months

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Work Experience

Total years of experience :14 years, 2 Months

Unit Head - Debt Capital Market and Syndication at Habib Bank Limited
  • Pakistan - Karachi
  • My current job since January 2023

• Originating the transactions by efficiently managing the existing and developing new relationships.
• Structuring the transactions and developing the consortium to successfully close the mandated transactions.
• Advising companies on various alternative financial solutions that best meets their financing requirements.
• Liaison with the regulators. Leading the consortium in the negotiation of legal agreements with clients and legal counsel.
• Supervising the team in the preparation of credit proposals, Information Memorandum, Teasers, pitch deck, Letters, and Financial Models; evaluation of financial models for debt transactions and performing stress/ scenario testing.
• Leading and training the team members to carry out seem less execution in coordination with regulators, legal council, Shariah advisors, rating agencies and potential investors.
• Monitoring and supervising the team to efficiently handle the facility administration functions; coordination and
negotiation of legal documentation with transaction legal counsel, customer and syndicate on drafting of legal
documentation for debt transactions.
• Distributing DCM/Syndication instruments to potential investors through effective marketing.

Vice President & Team Leader Corporate Banking at Meezan Bank Limited
  • Pakistan - Karachi
  • June 2016 to December 2022

- Successfully managed large corporate portfolio worth approx. PKR 50 billion (USD 250 Mn) comprising of corporate accounts from various sectors including Textile, Cement, Food, Power, Automobile, technology, Pharmaceuticals, Sugar, Distributor, Confectionery, Oil Marketing etc.
- Managing a team of highly charged six individuals striving for collective goal of surpassing the assigned Corporate, Trade and Cross Selling targets (Trade business target of PKR 31 Bn, trade income target of PKR 41 Mn and funded portfolio target of PKR 38 Bn).
- Critically review the credit proposals raised by the relationship managers / associates and ensure all risk and regulatory parameters are covered.
- Proven record of surpassing all assigned budgeted targets.
- Consulting with clients to analyze and formulate their expansion plans. Develop strategic solutions to meet their financial goals.

Relationship Manager - Corporate & Investment Banking Division at Askari Bank Limited
  • Pakistan - Karachi
  • May 2012 to June 2016

• Managing a corporate portfolio worth PKR 6 Bn ($ 63 M) which includes blue chips like Lotte Pakistan, ICI Pakistan, PSO, Indus Motors, and PARCO. The portfolio includes companies from the following sectors: oil marketing, fertilizers, steel manufacturing, foods, cement and chemicals
• Finalizing project appraisal reports, recommending exposure and pricing to Head Office Credit Committee.
• Evaluation of corporate clients' credit worthiness.
• Coordination with the Investment Banking Division for the project financing credit proposals. Arranged syndicate financing for projects costing up to PKR 800 Million.
• Detailed analysis of working capital financing proposals through comprehensive industry research, financial modeling, financial/ cash flow projections and risk management based on various models.
• Site visits for understanding production process flow etc, raising the credit proposals to provide timely and structured credit solutions and advice to meet the client's needs, preparation of routine reports required by management.
• Prepared projected financial statements and built investor return analysis models (net present value (NPV), internal rate of return (IRR), internal economic rate of return (IERR), terminal value, return ratios, etc.)
• Managing the operations of corporate client's transaction based on daily needs.

Management Trainee Officer at Askari Bank Limited
  • Pakistan - Karachi
  • August 2011 to May 2012

• On the Job Training on General Banking, Foreign Trade and Credit Module.

Processor Loans Operation at United Bank Limited
  • Pakistan - Karachi
  • April 2011 to July 2011

• Amortization scheduling of auto loans.
• Processing loans markups, payments, accrued interest, FED, LPC, etc.
• Comprehensive loans operations (Initiation, pay offs, settlements, claims, etc)

Research Analyst at Hum Securities Pvt. Ltd.
  • Pakistan - Karachi
  • October 2010 to March 2011

• Preparation of daily research reports (Morning Briefings)
• Fundamental and technical analysis of stock selection.
• Stock valuation via financial modeling.

Lecturer at Dadabhouy Institute of Higher Education
  • Pakistan - Karachi
  • April 2010 to January 2011

To provide lectures on Finance related courses as a visiting faculty to the students of business administration (Bachelor's and Master's Degree) program.

Education

Higher diploma, Chartered Financial Analyst
  • at CFA Institute
  • February 2022

CFA Charterholder

Master's degree, Finance
  • at Bahria University
  • June 2009

Received grade A in my thesis of Master's degree program titled as: Prospect of Mutual Fund Industry in Pakistan.

Bachelor's degree, Business Administration (Finance)
  • at Bahria University
  • January 2008
High school or equivalent, Pre-Engineering
  • at Government Dehli College
  • September 2003

I got 96 marks out of 100 in mathematics in Pre-Engineering, Karachi Board Examinations 2003.

High school or equivalent, Computer Sciences
  • at Happy Home High School
  • May 2001

Specialties & Skills

Risk Management
Investment Banking
Corporate Banking
Financial Analysis
Credit Risk
APPRAISAL
BANKING
CLIENTS
FINANCIAL MODELING
FINANCIAL STATEMENTS
INVESTMENT BANKING
OPERATIONS
ORACLE Database Interface
Flexcube System
OBI Server
Microsoft Office
Islamic Banking
Credit Risk Analysis
Business Development
Product Knowledge
Financial Modelling
Financial Analysis
OMEGA - Moody's Analytics
Power BI
Investment Analysis

Languages

English
Expert
Urdu
Native Speaker
Hindi
Intermediate

Memberships

CFA Institute
  • Member of CFA Institute
  • March 2022

Training and Certifications

AAOFI Shariah Standards Advanced (Training)
Training Institute:
Institute of Business Administration
Date Attended:
January 2021
Chartered Financial Analyst (Certificate)
Date Attended:
February 2022
Certificate of Participation on 'Managing Market Risk' Workshop organized by Askari Bank Ltd. (Certificate)
Date Attended:
June 2015
Valid Until:
January 9999

Hobbies

  • Reading, Research, Sports and Music.
    1. Awarded as best basket ball and Table Tennis player in my school i.e., Happy Home High School in the year 2000. 2. Awarded as best Table Tennis Player at Bahria University, Karachi, Pakistan in the year 2005.