Experience

Progressa

• Canada
• Financial Services
• 1 - 100 Employee

• Credit Analyst

  • Oct 2017 - Present



Gulf Finance Corporation

• Dubai

• Credit Analyst

  • Apr 2015 - May 2016

  -Consistently collecting all the necessary documentation in order to make an accurate evaluation -Analysing financial and non-financial information and probe prospective customers on various key areas so as to be able to perform accurate risk rating assessment -Take initiatives to gather additional sources of information which will enhance the quality of the credit decision -Ensure that proposed credit applications are within credit policy guidelines and quality of proposals is adequate to ensure proper risk assessment so as to maintain sufficient credibility with the credit team -Liaise with and update sales origination staff in structuring and analyzing proposed finance facilities. -Provide advice and communicates credit department policy and procedures to the origination staff -Monitors ongoing performance of GFC Customers and provides recommendations on proposed actions to credit team members -Performs annual reviews of each loan with new risk analysis -Helps enhance existing credit review policies and procedures -Identify and document weaknesses in loan policy compliance and structure and recommend improvements to the Head of Credit Analysis -Work with the Head of Credit Analysis in refining and enhancing existing credit policies as required assist in reports generation -Prepare presentations and report related to loan review activities for presentation to Senior Management Show less



Regent Global Trading Company

• UAE

• Associate - Vice President

  • Apr 2015 - May 2015



Telenor Microfinance Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• • Jul 2011 - Sep 2014

• • Jun 2011 - Sep 2014

  · Helping HOD in preparation of Business Plan and Projections. · Conducting overall financial, business and risk analysis of the bank. · Assisting the Manager Treasury in compilation and preparation of ALCO Presentation. · Analyzing the deposit trend, Liquidity analysis, free cash analysis, deliberate of COF, and CAR and finalization of ALCO minutes. · Monthly Ratio Analysis and other income accrued etc. · Supporting HOD in special assignments asked by Telenor Pakistan /MANCOM/CFO. · Making Flow of NPL and preparation of daily watch list required by Business. Show less

• • Jun 2011 - Jun 2013

  Working closely with Head of Corporate Finance for raising capital from financial markets in Pakistan. Working closely with HOD in developing credit products on Easypaisa/Branchless Banking Channel. Developing and managing relationship with Financial Institutions (FIs) in Pakistan and abroad. Making presentations and giving funding updates to senior management. Liaising with accountants, lawyers, financial experts and regulatory bodies. Understanding and commenting on legal and contractual clauses/ agreements. Supporting the Head of Department in all matters. Supporting the Head in managing and closing transactions Terms and conditions. Developing new relationships. Working closely with clients at all levels. Actively involved in the raising PKR I Bn in retail listed bond launched by Tameer Bank in 2012.The subscription period was for 3 months whereas the team managed to raise the amount in 5 days. Been actively involved in MCGF deal and tripartite transactions bank deal in. Maintaining immaculate records for retrieval Show less



Soneri Bank Ltd

• Intern

  • Apr 2011 - Jun 2011

  I was placed in the credit risk management division of risk management department where I was assigned different assignments to work on. Developing credit scoring model of corporate clients and setting risk limits for insurance clients are some of the major assignments I worked on through out my internship period. I was placed in the credit risk management division of risk management department where I was assigned different assignments to work on. Developing credit scoring model of corporate clients and setting risk limits for insurance clients are some of the major assignments I worked on through out my internship period.



Siemens Engineering Pakistan Limited

• Intern

  • May 2010 - Jul 2010

  Finance and Controlling Department I was placed in Treasury department for 2 weeks and Finance and Controlling department of Siemens Pakistan for 4 weeks. Finance and Controlling Department I was placed in Treasury department for 2 weeks and Finance and Controlling department of Siemens Pakistan for 4 weeks.