Experience

The Bank of Khyber

• Pakistan
• Banking
• 700 & Above Employee

• • May 2017 - Present

  As Incharge- Business Risk Review Department responsible for managing the Risk Assets Review of credit portfolio (both Islamic & Conventional) bank-wide to ensure that the credit decisions taken are adequately assessed and are aligned with the approved credit risk strategies, credit policies, risk asset acceptance criteria and regulatory requirements and to ensure recognition and continual assessment of risks.Prime responsibilities included but were not limited to:- Conduct independent review of Corporate and SME borrowers having approved exposure of Rs. 50 M & above of (both Islamic & Conventional) and assign appropriate risk rating (i.e. Low, Medium, Medium PPA & High Risk).- Conduct quarterly reviews of High Risk and Medium Risk – Potential Problematic Accounts (PPA) accounts and provide updated status to the management & Audit Committee.- Conduct Audit of Specialized Functions at Head Office level connected with credit financing and risk management i.e. Credit Risk Management (CRMD), Credit Administration (CAD); Small & Medium Enterprises Division (SE& ME); Consumer Finance (CFD); Agriculture Finance (AFD) and Remedial Assets Management (RAMD).- Gathered data/ information on various sectors of the economy and conduct an in-depth analysis of each sector to provide guidelines to the risk reviewers.- Discussing with the line management and reaching agreement on audit findings. Inculcating a culture amongst bank staff that auditing is a support function carried out by independent professionals for the benefit of all staff at various levels in the organization.Key Achievements:- Revamped the overall structure of BRR in the bank.- Developed and trained the BRR Team- Automated the BRR working through Excel-based modeling - Conducted desktop reviews of bank-wide credit portfolio and provide a complete insight of the portfolio strengths & weakness along with recommendations to the management. Show less

• • May 2017 - Present



United Bank Ltd - Audit & Risk Review Group

• Team Leader & Manager Credit Risk Review

  • Jun 2012 - May 2017

  :  Role: The role is to identify, analyze and document the risks associated with the business operations with respect to operational, compliance, financial, industry and technology related risks. Prime responsibilities included but were not limited to:  Conduct Post Approval Credit Analysis & Risk Review of Loan Relationship of Corporate, Commercial; Small & Medium Enterprises on annual basis and provide independent opinion to Board Audit Committee on quality of credit risk framework (policies and procedures across credit processes viz. credit risk strategy, credit approval processes, risk rating processes, credit administration processes, credit review processes)  Credit Risk review of assigned portfolio (review of complete credit cycle i.e. quality of credit initiation, proposals prepared, risk assessment, disbursement, monitoring, problem recognition and remedial management) to determine overall quality of bank’s Risk Assets (Advances)  Conduct Annual Credit Review of Advances Portfolio of North & Central Region of the bank including three (3) Corporate Units, Six (6) Commercial Units & Seven (7) Retails Units.  Bi-annual review of Special Assets Management; annual review of Islamic Banking portfolio & write-off cases of Central North Region.  Executing processes related to audit planning & fieldwork, report writing, & assisting in the development of Junior Audit Personnel/Risk Reviewer.  Coordinating with other team members, reviewing the audit findings and reports prepared by the team.  Discussing with the line management and reaching agreement on audit findings. Inculcating a culture amongst bank staff that auditing is a support function carried out by independent professionals for the benefit of all staff at various levels in the organization. Show less



MCB Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• • Jan 2007 - Jun 2012

  : Exercised “Credit Review Authority” as per the review grid with different slabs for both funded & Non funded facilities against cash collateralized; hypo-based with & without collateral along with pledge based.Main Duties: Review of corporate and commercial accounts. Evaluation of corporate and commercial proposals received from business units. Assist the unit head in establishing criterias for retail banking products. Analyze new credit proposals and check if they are as per the Credit policy and norms. Ensure adherence to all operating guidelines of various Regulatory Authorities, as well as internal bank guidelines. Improve/ suggest enhancements in credit structure in the Bank portfolios. Keep updated on all banking and credit related guidelines and regulations. Ensures that department procedures and guidelines are set and recognized. Ensure compliance with internal policies and procedures and external regulatory requirements and that the internal and external audit recommendations are implemented. Show less

• • Nov 2004 - Dec 2006

  1) Analyzing financial statements for assessing the financial health of the borrower and to evaluate credit quality and associated risks.2) Preparation of credit packages (fresh & annual renewals) as per bank's policies & procedure.3) Conducting client calls at the time of annual reviews.4) Responding to queries raised by approving authority & auditors.5) Preparations of Credit Reports, Site Visit Report & Call Reports.

• • Jul 2004 - Nov 2004

  Extensive Theoretical & Practical Training of Credit Operations; Trade Products & Branch Operation.