Chief Executive Officer for Banking Affairs Department
Banking and Economic Survey Pakistan
Total years of experience :20 years, 8 Months
Responsibilities:
1. Financial analysis of corporate customers and Banks. 2. Industry analysis for corporate customers. 3. Promote and product development of Islamic Products. 4. Follow the Govt. and Regulators policies. 5. Keep an eye on the health of the Banking Industry 6. Determining system efficiency and functionality by liaising with internal departments and end-users. Documenting detailed functional flow and getting formal approvals for execution. Performing system analysis on software programs, applications, and web services. Determining system efficiency and functionality by liaising with internal departments and end-users. Reporting to Management and obtaining approval for development projects. Oversees the implementation of ongoing projects from concept to delivery, aligning with various stakeholders and communicating effectively with multi-country, multi culture teams. Ensuring that all customer feedback related to projects is completed on time. Efficiently integrating new systems, programs, and applications with business operations and services. Analysing and improving the performance of web-based customer portals and support services. Ensuring end-user proficiency with new systems, programs, and applications across departments. Responsible for completing required documentation and reviews, particularly ongoing and post-project knowledge management related actions.
7. Extensive experience in working as a Technical Business Analyst across Core Banking, Retail Banking, and Corporate Banking, Cash Management/Loan Management, Supply Chain finance or Financing domain for Retail / Corporate Treasury or Risk Management. Global Payments using SWIFT or domestic payments using domestic available channels. Advanced knowledge of programming languages like SQL and system integration solutions. Ability to keep up with IT advancements. Exceptional communication skills toward facilitating the use of new software systems. Knowledge of relevant licensing and industry compliance regulations. Analysing existing business processes and suggesting improvements to enhance the clients business operations Client Interaction to understand the scope. Ability to Clearly Communicate your Ideas and Suggestions Required to regularly report to stakeholders.
Responsibilities:
• Credit Risk Assessment: - Evaluate the creditworthiness of individuals, businesses, or organizations applying for credit. - Analyze financial statements, credit reports, and other relevant information to assess the risk associated with extending credit.
• Credit Policies and Procedures: Develop and implement credit policies and procedures in accordance with industry regulations and organizational guidelines. - Ensure compliance with legal and regulatory requirements related to credit management.
• Decision Making: - Make credit decisions based on the risk assessment, financial analysis, and established credit policies. - Approve or decline credit applications and establish appropriate credit limits.
• Portfolio Management: - Monitor and manage the organizations credit portfolio to minimize risk and optimize credit quality. - Identify and address potential credit issues in a timely manner.
• Relationship Management: Collaborate with sales teams and other departments to understand the credit needs of clients or customers. - Communicate credit decisions to internal stakeholders and external customers.
• Credit Reporting and Documentation: - Ensure accurate and timely reporting of credit-related information. - Maintain proper documentation of credit decisions, approvals, and agreements.
• Collections and Recovery: - Oversee the collections process for overdue accounts. Develop strategies for credit recovery and work with collections teams to minimize bad debt.
• Credit Training: - Provide training and guidance to junior credit analysts or credit officers. - Stay informed about industry best practices and changes in credit-related regulations.
• Credit Scoring Models: - Implement and manage credit scoring models to enhance the efficiency and consistency of credit decision-making.
• Customer Communication: - Communicate credit decisions, terms, and conditions to customers in a clear and professional manner. - Work with clients to resolve credit-related issues and provide guidance on improving creditworthiness.
• Risk Mitigation: - Identify potential risks in the credit portfolio and implement strategies to mitigate those risks. - Stay informed about economic and industry trends that may impact credit risk.
• Reporting and Analysis: - Prepare and present regular reports on the credit portfolio, delinquency rates, and other relevant metrics. - Conduct ongoing analysis to improve credit processes and strategies.
• Cross-Functional Collaboration: - Collaborate with other departments such as finance, legal, and sales to ensure a holistic approach to credit management.
• The responsibilities of a Senior Credit Manager require a combination of financial acumen, analytical skills, and effective communication. Additionally, staying updated on industry trends and regulatory changes is crucial for success in this role.
• Industry analysis for corporate customers.
• Promote and product development of Islamic Products.
• Follow the Govt. and Regulators policies.
• Keep an eye on the health of the Banking Industry
• Determining system efficiency and functionality by liaising with internal departments and end-users. Documenting detailed functional flow and getting formal approvals for execution. Performing system analysis on software programs, applications, and web services. Determining system efficiency and functionality by liaising with internal departments and end-users. Reporting to Management and obtaining approval for development projects. Oversees the implementation of ongoing projects from concept to delivery, aligning with various stakeholders and communicating effectively with multi-country, multi culture teams. Ensuring that all customer
(SO I) SME & Commercial Lending (Jodia Bazar Branch)
Responsibilities:
•Marketing of Islamic banking products to existing & potential customers
•Evaluating, processing and recommending credit proposals
•Keeping liaison with customers for proper & optimum possible utilization of approved credit facilities
•Reviewing present customers’ facility limits, financial needs and conducting SWOT analysis
•Reviewing customers’ financial position in line with external and internal credit risk procedures & standards
•Monitoring, analyzing and keeping abreast of the changing economic, industry trends and dynamics of key industries and Govt. Regulations & policies impacting trade & industry
•Taking/suggesting credit decisions for marketing financial products to growth sectors/industries
•Negotiating with customers terms of finance related to facilities, securities and pricing
•Ensuring security perfection related to credit facilities to mitigate credit risks
•Keeping close liaison with Trade and Finance, Operations, Credit and Admin, Product development and Sharia departments
•Keeping liaison with Head Office, Country Office and Regional Office for approval, compliance and other related matters
•Managing a team of Relationship Officers/Processing officers
Responsibilities:
• Marketing of Islamic banking products to existing & potential customers
• Evaluating, processing and recommending credit proposals
• Keeping liaison with customers for proper & optimum possible utilization of approved credit facilities
• Reviewing present customers facility limits, financial needs and conducting SWOT analysis
• Reviewing customers financial position in line with external and internal credit risk procedures & standards
• Monitoring, analysing and keeping abreast of the changing economic, industry trends and dynamics of key industries and Govt. Regulations & policies impacting trade & industry
• Keeping close liaison with Trade and Finance, Operations, Credit and Admin, Product development and Sharia departments
• Managing a team of Relationship Officers/Processing officers
Initiate and devise credit proposals after assessment of client’s requirement and bank’s policy. Conduct supervision of Islamic Banking loans to determine that credit risk is adequately addressed and mitigated for department such as Real Estate, credit policy management, credit analysis, oil & gas, credit adjudication, Credit Portfolio management, Corporate Lending, Loan Loss Allowances, and Special Loan Accounts/Recovery. Oversee the collection of delinquent / classified accounts. Oversee the preparation of reports, advice the senior management, and respond to customer inquiries. Maintain the files according to the requirements of internal audit, SBP audit and as per Bank (ABG) credit policy.
Handling the portfolio of PKR 2, 135/- million fund based, PKR 1, 735/- million non-fund-based PKR 770/- million deposits of corporate clients.
Key Achievements:
•Extremely satisfied customer base due to change in management style.
•Marketed Oil & Gas, textile, sugar and pharmaceutical customers on the basis of new product development.
•Identified other revenue source, including project financing and cash management for existing customers, and always achieved more than expectations of individual targets.
•Reduced risk in credit policy by increasing collateral for real estate loans through a credit rating system.
•Increased enforcement of loan policy and reduced exception that improver’s bank performance.
•Quality of proposals adjudicated is evident from the fact that mot a single financing is defaulted.
MCB Bank limited 6 Week Intern Ship in MCB, Clifton Branch Karachi.
Responsibilities:
Initiate and devise credit corporate proposals after assessment of clients requirement and banks policy. Conduct supervision of Islamic Banking loans to determine that credit risk is adequately addressed and mitigated for department such as Real Estate, credit policy management, credit analysis, oil & gas, credit adjudication, Credit Portfolio management, Corporate Lending, Loan Loss Allowances, and Special Loan Accounts/Recovery. Oversee the collection of delinquent / classified accounts. Oversee the preparation of reports, advice the senior management, and respond to customer inquiries. Maintain the files according to the requirements of internal audit, SBP audit and as per Bank (ABG) credit policy. Handling the portfolio of PKR 2, 135/- million fund based, PKR 1, 735/- million non-fund-based PKR 770/- million deposits of corporate clients.
Key Achievements:
• Extremely satisfied customer base due to change in management style.
• Marketed Oil & Gas, textile, sugar and pharmaceutical customers on the basis of new product development.
• Identified other revenue source, including project financing and cash management for existing customers, and always achieved more than expectations of individual targets.
• Reduced risk in credit policy by increasing collateral for real estate loans through a credit rating system.
• Increased enforcement of loan policy and reduced exception that improvers bank performance.
• Quality of proposals adjudicated is evident from the fact that mot a single financing is defaulted.
MCB Bank limited 6 Week Intern Ship in MCB, Clifton Branch Karachi.
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M.Phil in Islamic Banking & Finance