Risk Analyst
United Bank Ltd.
Total years of experience :17 years, 5 Months
Identifying, assessing and quantifying key transaction risks & provide credit opinion to Risk Managers / Senior Risk Manager.
Review analysis of existing credit portfolio with evaluation for 15 out of total of 21 Regions of the Bank.
Ensuring the quality of assumptions based on due diligence on technical, commercial, legal, regulatory, financial, governance, managerial, and capacity considerations.
Providing input on key risk areas and recommend appropriate risk mitigation measures.
Recommending inputs on the terms and conditions of credit proposals, security and covenants based on risk assessments.
Ensure compliance with portfolio management objectives with respect to exposure limits, diversification and/or concentration.
Provide advisory support to Senior Relationship Managers/Relationship Managers in structuring of credit facilities in line with Bank’s credit policy and State Bank of Pakistan's (SBP) regulations.
Conduct site visits with Risk Managers and Relationship Managers to ascertain the operational capacities of clients and give recommendations.
Escalate portfolio management related issues in Credit Portfolio Management Meetings.
Preparing recommendations on Bank’s various policies/ product initiatives as and when required by Head Office.
Managed a portfolio of above PKR 1.5 Billion (Approx. US$ 15 Million) consisting of fund based above PKR 750M and non-fund based above PKR 750M, comprising of commercial clients.
Prepared credit package in view of customer request and in accordance with the Bank’s internal policies and SBP regulations.
Ensured approval of the credit application from the concerned Credit Committee and subsequent follow-ups and further provided feedback to satisfy Credit Committee members on their raised queries.
After approval of said credit, arranged and completed all legal documentation formalities in coordination with the Regional Credit Administration Department.
Ensured disbursement and post-disbursement relationship management on an ongoing basis.
Managed a commercial portfolio of 60 clients pertaining to several different industries and sectors.
Primary job responsibilities included a thorough evaluation of credit proposals thereby formatting detailed drafts identifying problem areas / opportunities for new prospects as well as existing clients necessary to arrive at a prudent credit decision.
Analysis of the complete risk profile of the clients including credit risk, market risk, transaction risk and economic risk in tandem with the Prudential Regulations of SBP.
Performed post approval monitoring of existing accounts so as to ensure compliance with internal and external users of credit.
Oversaw the assigned branches for ensuring adherence to Bank’s internal policies and SBP directives rolled out with reference to the objective and subjective evaluation standards.
Monitored overdue accounts on a fortnight basis and took decision on periodic classification in accordance with SBP criteria.
Initiation of new business relationships in line with the credit policy and directives of the management.
Responsible for marketing new clients and structuring transactions under Lease and Term Financing to fulfill the needs of the client in line with the company’s policy.
Managing Corporate Finance functions where my responsibilities include Structuring Credit proposals of corporate clients from appraisals to detailed financial, risk and security analysis and subsequent presentation to the competent authority, legal documentation, compliance, insurance, rental recovery etc.
Liaison with departments to ensure smooth operations of the account.
Preparation of reports and liaison with Head Office.
Carrying out restructuring for delinquent clients.
CGPA: 3.54 Got scholarship by maintaining a CGPA of 3.5 in every semester
CGPA: 2.99 Remained teacher assistant for the course of Software Engineering from January 04 -April 04