Currently working as "Senior Credit Manager" with MCB Bank Ltd for last 3 years. Having completed Omega-Performance Credit Skills Assessment, USA, and holds Masters' degree in Public Administration with fifteen (20) years of diversified banking experience in different segments like Credits (SME & Commercial), Credit Administration, Branch Banking, Trade Finance, Centralized Operations, Local & Foreign Remittances, Consumer Banking and Customer Services at various levels.
Having strong interpersonal skills with ability to lead a team in multicultural working environment. Manages, develops and motivates the reporting staff to ensure team objectives are met, including timely completion of related departmental administration & tasks. Plan, prioritize, allocate and supervise the work of junior staff to ensure expeditious handling of business requests and consistency with prescribed policy and criteria.
Participate and contribute for Risk Management awareness (control procedures) and assist the Senior Management by providing appropriate and accurate information regarding deficiencies observed, follow up and steps taken etc through Unit Head-CAD.
Sound knowledge of Credit Policies, SBP Prudential Regulations, Trade Finance & pledge monitoring & control tools, centralized operations and General Banking. Excellent oral and written communication skills.
Having command on various banking software like T-24, Bank Smart, PIBAS, CREAM, eCIB, sharepoint, LMS, LOS, ORM. Skills: Credit Risk Analysis, Corporate, Commercial, SME financing & credit administration, Risk Management, Operatonal Risk, Sales & new product launches and business development, Merger & acquisition, Process, Risk Performance. Remittances, Trade Finance and Operations.
As part of Credit Risk Review team, effectively involved in risk analysis of Bank’s credit portfolio (SME & Commercial), putting in place checks and controls in line with Bank’s policy over borrower analysis performed by business units. Including evaluation of business risks and track record of clients, security coverage analysis, financial analysis, assigning credit risk ratings to the customers, working capital requirement and repayment capacity.
· Credit portfolio of 700 customers & total exposure of PKR 41 billion (funded-PKR 26 billion & non-funded-PKR 15 billion).
· Analyze provide quality risk assessment of lending proposals according to the risk acceptance criteria of the Bank, prudential regulations of State Bank of Pakistan and other regulatory requirements with appropriate guidance to front office on credit structuring and risk mitigations.
· Assessing business, financial risks relative to each customer/proposal and accordingly calculate risk rating scorecard for each proposal.
· Analyze financial information provided by the customers and assess his credit-worthiness after adjusting the financial information provided in-order to have a correct assessment of the customer’s financial strength.
· Check if recommended limits are based on the working capital requirements of the business and size of the facilities recommended are correct and appropriate.
· Check all the documents received with credit proposals and work in close contact with front office to resolve the issues/discrepancies effectively and timely.
· Managing portfolio: rating migration, concentration, warning sign monitoring, stipulating conditions to capture through periodic reporting and initiating timely actions to avoid NPLs / watchlists.
· Operational Risks: Periodic oversight on ops risk aspects, that includes effective implementation of policies & procedures, KRI Process Testing, CRM & ICFR sample tests. Periodically report and resolve ORM issues.
· Periodic portfolio review for SME & Commercial.
· Review the Risk Policy & Service Level Agreement of both SME & Commercial. Review the credit proposals to check that they are in line with credit policy/programs and to approve the limits/grades accordingly.
Letter was awarded by respectable Abbas D. Habib (Managing Director of Bank AL Habib) for submission of feasibility report on proposed personal loan facility for consumer/individuals.