Experience

Jordan International Bank Plc

• United Kingdom
• Banking
• 1 - 100 Employee

• Credit Risk Analyst

  • Sep 2021 - Present



Habib Bank AG Zurich

• Switzerland
• Banking
• 700 & Above Employee

• Credit Analyst

  • Dec 2019 - Sep 2021



Samba Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Relationship Manager Corporate Banking

  • Aug 2016 - Jul 2019

  • Managed relationships for a diverse portfolio of Corporate entities including Software, Retail, Textile and Sugar. • Analyzed obligors short- and long-term credit needs in order to provide tailor-made credit solutions. • Prepared and presented detailed credit risk reports to the Group Head and Board Risk committee (based in Saudi Arabia) for existing and new to bank obligors. • Worked on various CAPEX projects by performing a detailed financial risk analysis of the obligor to determine financial credibility and feasibility for project financing. Provided trade finance services and cash management solutions for procurement, installation and working capital needs of the project post approval. • Recommended risk mitigates and alternative credit line structuring to existing clients with weak financial standing to ensure they avoid possible restructuring and default risk. • Built on existing client relationships by regularly visiting clients and exploring any avenues for new business. • Lead of point of contact in all dealings with the Central Bank during the annual audit review for clients under my portfolio.



JS Bank

• Pakistan
• Banking
• 700 & Above Employee

• Associate Relationship Manager Corporate and Retail Banking Group

  • Sep 2014 - Aug 2016

  • Managed relationships for a diverse portfolio of Corporate entities including Software, Retail, Textile and Sugar. • Analyzed obligors short- and long-term credit needs in order to provide tailor-made credit solutions. • Prepared and presented detailed credit risk reports to the Group Head and Board Risk committee (based in Saudi Arabia) for existing and new to bank obligors. • Worked on various CAPEX projects by performing a detailed financial risk analysis of the obligor to determine financial credibility and feasibility for project financing. Provided trade finance services and cash management solutions for procurement, installation and working capital needs of the project post approval. • Recommended risk mitigates and alternative credit line structuring to existing clients with weak financial standing to ensure they avoid possible restructuring and default risk. • Built on existing client relationships by regularly visiting clients and exploring any avenues for new business. • Lead of point of contact in all dealings with the Central Bank during the annual audit review for clients under my portfolio.



Samba Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Intern

  • Jan 2014 - May 2014

  • Produced an industrial report for the Textile sector looking into the industry dynamics and outlook for Credit borrowing. The findings allowed the Bank to enhance industry sector ceiling from £8 Million to £10 Million. • Produced an industrial report for the Textile sector looking into the industry dynamics and outlook for Credit borrowing. The findings allowed the Bank to enhance industry sector ceiling from £8 Million to £10 Million.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Intern

  • Jul 2012 - Aug 2012

  Provided assistance to clients with basic queries along with guidance on what products or services to avail according to their needs. Acquired knowledge about the daily operations of a bank and the role it plays as a financial intermediary. For my project I preformed research on different clientele base and the services they avail, the objective of the project was on how to improve existing products and services provided by the bank. Observed statistics on the bank’s performance before and during the global financial crisis and the effects it had on services that bank provides .



Silkbank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Intern

  • Jun 2009 - Jul 2009