Experience

SABB

• Saudi Arabia
• Banking
• 700 & Above Employee

• Unit Head - Project Finance, Wholesale Credit Risk

  • Nov 2022 - Present

  Risk Senior Credit Officer (SCO) - Credit Adjudication of Project / Specialized Finance transactions for Saudi Global Corporates and Sovereign/semi-sovereign relationships spanning Energy and Resources (Infra/PPP), Hospitality, Logistics, Telecom and other critical KSA Vision 2030 sectors. Risk Senior Credit Officer (SCO) - Credit Adjudication of Project / Specialized Finance transactions for Saudi Global Corporates and Sovereign/semi-sovereign relationships spanning Energy and Resources (Infra/PPP), Hospitality, Logistics, Telecom and other critical KSA Vision 2030 sectors.



Saudi Industrial Development Fund - SIDF

• Saudi Arabia
• Financial Services
• 700 & Above Employee

• Portfolio Management Expert - Credit Division

  • Apr 2019 - Oct 2022

  Senior Expert - Managing end to end portfolio management activities for large ticket and complex Renewable Energy and Petrochemical project finance portfolio (size c. SAR 15 Bn), includes: JVs with Asian private sector entities. Responsible for Credit Analysis and underwriting (submissions for periodic reviews, restructuring, waivers, amendments etc.), financial modelling, monitor Covenant Compliance, project visits, review implementation status (construction progress, O&M), generate internal risk ratings, Monitor Early Warning triggers and develop bespoke project monitoring reports. Effective communication with internal (Technical, Marketing, Risk Management Division, Legal and Finance) and external stakeholders (Government entities, Lenders, consultants, advisors, legal counsel etc.). Key Achievements: Credit team lead on fund’s inaugural Renewable Energy (RE) Sector/Industry Study, developed a successful debt offering program targeting RE value chain - Manufacturing (Solar PV and Wind), Distribution Solar Electric Generation and IPPs, capacity building through RE training workshops.



Finance House

• United Arab Emirates
• Financial Services
• 700 & Above Employee

• Head - Credit Support UAE, Corporate Commercial Coverage

  • Jun 2017 - Jan 2019

  Division Head - mandated to manage the end to end credit process management i.e. credit screening, underwriting, analysis, documentation review and monitoring for UAE Corporate and Commercial Asset (SMEs) asset book (including stressed assets) Leading a team of over 10 staff, which include Team Leads and Credit Analysts based in Abu Dhabi and Dubai. Part of Senior Leadership Team reporting directly to Group Head Wholesale Banking. Key Achievements: Successfully lead and completed the CCC restructuring, recruitment, credit policy procedures and process enhancements, Developed SLA's, underwriting guidelines, Risk Acceptance Criteria, established a robust deal screening process, Credit MIS framework, Risk Rating model IFRS 9 and Early Warning Policy implementation.



National Bank of Abu Dhabi

• United Arab Emirates
• Banking
• 700 & Above Employee

• Director - Head of Credit Portfolio Management, Global Wholesale Banking

  • Jul 2015 - May 2017

  Unit Head - leading a team of three senior credit analysts to manage the credit and portfolio management function of Global Project and Structured Finance (GPSF) unit’s c. AED 30 Bn asset portfolio book across diversified sectors (Energy and Resources, Real Estate, Aviation, Trading, Services and Manufacturing) including stressed assets. Oversee end-to-end processing/review of credit proposals, financial/industry analysis, financial and non-financial covenants monitoring and testing, waivers and amendments requests for Global Syndicated portfolio. Liaising with Agency Desk and Global Market Operations for deal disbursements/repayments. Prepared Industry Specific Reviews (Energy and Contracting Sectors). Key Achievements: Setup the Portfolio Management function: developed credit workflows maps, account handover SLAs with Coverage/other stakeholders. Developed a robust Portfolio Analytics information deck (risk ratings migration, concentration etc.). Established robust automated covenant monitoring system, waiver and amendment trackers, portfolio asset book, bespoke deal monitoring plans and remapped existing processes for efficient portfolio monitoring. Collaborated as a subject matter expert in Credit Workflow system (ALGO) implementation. Proactive liaison with Coverage function for identification of portfolio/sector early warning triggers and timely proposing remediation measures. Seconded to NBAD Hong Kong as credit portfolio management lead – involved in revamping credit processes, operational process enhancements, recruitment drive and E2E deal execution.

• Associate Director - Energy and Natural Resources Team (Wholesale Banking Group)

  • May 2012 - Jul 2015

  Joined the Group in the Multinational Global Coverage team as a Senior Credit Officer (AVP) specializing in the Oil and Gas sector space, reporting directly to the Head of Corporate, Oil, Gas and Power. Total asset portfolio book size of c. AED 50 BnWorked closely with the product teams in the bank to deliver top quality financial services and products to corporate client base resulting in closing significant no. of transactions under Relationship Lending, Global Project & Structured Finance (primary and secondary market Syndications), Global Markets, DCM/ECM, Trade Finance ambit across the EMEAA region. Independently managed 10 large/complex global relationships book size c. AED 15 Bn - enhanced facility utilization and x-sell.Responsible for preparing and reviewing Credit Applications, perform full due diligence for financing new transactions/annual reviews, prepare Key Account Plans, independent research and analysis, identify cross-sell and revenue opportunities for target clients. Hands on experience across the full transaction cycle.



Abu Dhabi Commercial Bank

• United Arab Emirates
• Banking
• 700 & Above Employee

• Senior Manager, Strategic Clients Division (Wholesale Banking Group)

  • Jan 2010 - Apr 2012

  Joined the Group at the Senior Coverage Manager (Grade - M1), reporting directly to the Head of Strategic Clients Division. Division’s prime focus was Debt Origination and Participations in Syndications. Total asset portfolio book size of c. AED 30 Bn spanning deals covering Project Financing, Participations in local and international Syndications, bilateral and club deals. Independently managed a sizeable asset portfolio of c. AED 8 Bn (15 relationships) across GCC. Responsible for preparing and reviewing Credit Applications, credit Risk Assessment, in-depth financial spreads/analysis, financial modeling, industry/company analysis, Credit Restructuring, covenant compliance and stringent monitoring. Obtain all requisite valid facility legal documentation to protect the bank's interests. Actively Mentoring and training junior analysts.



Mashreq

• United Arab Emirates
• Banking
• 700 & Above Employee

• Relationship Manager and AVP - CIBG (Islamic Banking Division)

  • May 2007 - Dec 2009

  Promoted to Relationship Manager (AVP) in July 2008 after solid performances, since joining the group as an ARM. Structuring and executing Islamic Financing transactions involving deals spanning Commercial Banking, Structured Finance, Project Finance, Syndications and Originations covering the real estate sector, manufacturing and trading and NBFIs. Project financing of major iconic projects in Dubai. Total asset book size in excess of AED 7 Bn. Involved in preparing and reviewing Credit Proposals, with emphasis on Structuring credit lines, Credit Risk Assessment, in-depth financial spreads/analysis (including thorough cash-flow analysis) and credit portfolio monitoring/enhancements/renewals. Handling substantial credit portfolio of renowned local, regional & foreign groups, MNC’s as well as blue-chip companies.



Bank Alfalah Limited

• Pakistan
• Banking
• 700 & Above Employee

• Head of Corporate and SME Coverage (Islamic Banking Division)

  • Mar 2006 - May 2007

  Promoted to Head of Corporate and SME Credits (Range IV, Senior Manager) after consistent performances as an RM.Managing a team of two Relationship Managers with the prime objective of structuring credit lines and conducting financial/ risk analysis for borrowing relationships, Timely & efficient handling of Credit Proposals including preparing OTT’s (one time transactions), revisions, enhancements, renewals etc. Compliance to internal credit policy and SBP prudential regulations. Proactively engaged in strategy development/implementation. In the short span enhanced the credit portfolio by PKR 500 Mn. Branch credit committee member and authorized Signatory (POA nominee). Nominated as the “Branch Mentor”.

• Relationship Manager - Corporate & SME Coverage

  • Jul 2004 - Mar 2006

  Extensive on the job training in Banking Operations, Trade Finance and Credit. Worked as Relationship Manager Corporate and SME Credit and managed a Corporate Portfolio of c. PKR 1.0 Bn.Extensively involved in Credit Line Proposal Analysis, preparation/approvals involving risk management/assessment of lending proposals, financial analysis and marketing assets/liabilities products.

• Management Trainee Officer

  • May 2004 - Jul 2004

  Inducted in the bank as a Management Trainee Officer, selected from among 6,000 applicants nationwide. Covering a span of three months, The Management Training course is a rigorous professional training program focusing on the introduction, implementation and in-depth mechanism of core banking functions i.e. General Banking, Trade Finance and Credit.



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Intern

  • Aug 2001 - Sep 2001