Experience

Pak Libya Holding Company (Pvt.) Ltd.

• Banking
• 1 - 100 Employee

• Credit Manager - SME & Retail Banking Division

  • May 2016 - Present

   Carry out credit analysis, project appraisal and preparation of detailed financing proposal of all SME products and Corporate Lease. Ensure documentations, completeness of credit approvals before disbursement in accordance with the regulatory guidelines. Review and manage of Income Estimation Report for Business/ Self Employed segment and assessment of the valuation process of property / machinery / vehicles and for other asset based financing.  Supervise internal / external Verification process. Reviewing the Credit Performance and prepare MIS for management / external agencies. Preparing Memos for inter office and day to day activities.

• Investment Analyst - Securitie & Portfolio Management Divsion

  • Oct 2013 - May 2016

  Errands•Prepare investment proposals for the internal approvals and analyzing research reports of various sectors.•Prepare weekly market strategy report for onward submission to the management.•Directly dealing with brokers to execute orders, and communicating with sell side analysts.•Prepare department annual budget for forecasting of income.•Prepare memos, approvals, presentations and other reports and other tasks assigned or required.•Maintaining records of corporate results in order to forecast and determine dividend payouts and buy/sell decision

• Assistant Manager - Credit Risk Management Division

  • Sep 2011 - Sep 2013

  Errands•Assessment of credit proposals and detailed credit analysis using financial statements with specific focus on cash flows of the company to analyze its repayment capacity.•Prepare credit risk review of entire credit portfolio on quarterly or semiannually basis which include industry & sector analysis, borrower standing in the relevant sector, financial analysis and any other exception with respect to documentation as a part of monitoring exercise.•Prepare exposure reviews of various banks against clean and secured limits for Treasury Division. •Upgrade or downgrade obligor credit rating on the basis of any adverse impact on the sector or borrower's deteriorating financial performance. •Processing and assessment of NOC's for charge vacation or any other business related activities. •Monitoring of entire credit portfolio.

• Relationship Manager - Corporate & Investment Banking Group

  • Feb 2008 - Sep 2011

  Corporate & Investment Banking Group; Errands•Prepare Standard Credit Memorandums (SCM) for Long Term Financing, Working Capital Requirements, Lease Financing, Term Finance Certificate (TFC's), Initial Public Offering (IPO), Commercial Papers and other Islamic modes of financing.•Preparing proposals for rescheduling and restructuring for Syndicated/bilateral loans and other transactions.•Detail Credit Analysis of syndication proposals of various sectors and prepare preliminary and detail credit proposals for management approval.•Assigning obligor and facility credit ratings. •Highlight and identify the key credit risks associated with transactions and present possible outcomes.•Measured financial performance using financial statements, cash flows and detailed analysis, spread sheet based financial modeling (projections) and calculations of various ratios to ascertain the financial viability of any project or transaction. •Coordinate with Credit Administration Department (CAD) for the preparation of legal documents and all pre-disbursement formalities. •Preparing Memos for inter office and day to day activities.•Prepare quarterly progress reports of the department for the management. •Maintain liaison with other financial institutions and corporate clients for business enhancements.•Carried out quarterly visits of various clients for monitoring purpose and preparing Call Reports for the management information. •Monitoring of existing clients and their financial activities.


Bankalfalah
• internee