To enhance and explore my career in order to widen, strengthen and broaden my vision. To deepen my knowledge and experience in Risk Management that allows me to become an efficient, effective, productive and significant practitioner in any growing organization.
Achievements -
Implemented FUNFOX System treasury functions, G Zeus (Liquidity Risk Management system as per Basel III guidelines) and due date control system for control of regulatory and H.O. reporting. - Successful training of staff of Risk Management Dept. in light of banks credit manual and the online reporting portal. - Effectively & regularly conduct the borrower ratings of all corporate customers and financial institutions and developed the credit control sheets and monitor it efficiently to avoid overdue reporting.
Risk Management – Credit Function - Prepare and analyze the borrower rating and credit proposals for Japanese/ Non-Japanese corporate and financial Institutions. - To attend and coordinate the Credit Risk Management Committee and file the minutes in time to the Management. - Review the approved credit lines /credit exposure of the branch including the off-balance sheet transactions. - Monitoring of Credit control reports for effective credit risk management. - To check on periodical basis the subjective and objective analysis of credit portfolios.
Risk Management – Treasury Function - To primarily monitor money market/Forex dealing on fun fox system and manual deal tickets (if any) - To check confirmation & deals with counter party on telephone through recording system. - To monitor the CRR and SCRR position of the branch and report to management in case of breach. - To prepare the Mark to market report of marketable securities and monitor the Head office limit for stop loss and market risk limits. - Limit monitoring control sheets on daily basis for market risk transactions. - Assist the supervisor in periodical reports for managements review and approval. - To prepare monthly closing job reporting of statements to Head Office as well as State Bank of Pakistan.
Risk Management – Liquidity Function - To analyze the utilization and profitability of Fund Management - Prepare the early warning indicators report on daily basis and report to management in case of breach and follow the guidelines mentioned in contingency funding plan. - Monitor and report to regional office 1-8 day liquidity of the branch and ensure the available liquidity. - Report the daily buffer asset and check that branch has enough liquidity to manage the liquidity.
Currently working as a Risk officer in MUFG from 25 Nov. 2013 to till dated.
General Responsibilities:
Risk Management – Treasury Function
Risk Management – Credit Function:
Risk Management – Liquidity Function:
Monitor the CRR, SCRR and FE-25 positions as per SBP regulations
Training on “Credit Risk Management: A Regulatory Perspective” held by “The institute of Bankers Pakistan” on “16 November, 2016”.
Workshop on “Credit Risk Analysis & Risk Management” held by “ICIL” on 17 & 18 September, 2014 at Mövenpick Hotel (former Sheraton Hotel) Karachi.
COURSE OUTLINE
Introduction to Credit · Principles of Lending · Traits of Professional Credit Officer
Understanding & Analyzing Financials
· Balance Sheet · Income Statement · Statement of Cash Generation · Ratio Analysis Credit Proposal Initiation · Understanding ‘5 Cs’ of Credit · Understanding Loan Application Form · Obtaining Securities · Control Documents · Security Documents · Laws Related to Documentation · Structuring Credit Proposal
Credit Administration · Availment · Monitoring· Recovery Process