Arooj Khan Email & Phone Number

Toronto, Ontario, Canada

• Applying appropriate underwriting criteria to all merchant applications following established credit policy to ensure financial risk is mitigated.
• Post-review of merchants who need a line increase or are flagged by fraud process (re-adjudication) specifically in processing volume level or average transaction size
• Performing credit risk assessment of an existing high-risk merchant which includes developing an understanding of the business profile to ensure compliance with credit, fraud, card association regulation and legal.
• Analyze personal, business and financial information
• Interact with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities.
• Assist with customer calls for complex merchant set-ups requiring explanation of specific credit policies and decisions related

Toronto, Ontario, Canada

Research and compile credit and financial data to determine creditworthiness of new customer applications including credit reports, bank checks and financial analysis.Underwriting centralized credit reviews in collaboration with operations and risk management team to analyze, structure, appraisal, and process of credit applications.Review for restructuring.

Lahore, Punjab, Pakistan

Managed a diversified portfolio of prominent commercial/ corporate clients of the bank with total approved limits of over $100 Million, generating annual revenue of over $5 Million.For the assigned portfolio of accounts, ensured monitoring of unsatisfactory trends in risk ratings, credit conditions, overdue reporting and initiated corrective action.

Lahore, Punjab, Pakistan

Spearheaded development of new commercial banking relationships through effective pre-sales activities such as pitch preparation, client research, preparation of prospect to successfully secure new relationships worth $20 Million.Led a team of 15 professionals including personal banking advisors, relationship manager and operations officers/tellers to.

Pakistan

Scrutinized working capital and term loans proposals and a diversified credit portfolio of $125 Million for further decision.Providing prompt and sound recommendations in the analysis and adjudication of credit proposals.Worked with client relationship managers to exercise prudent credit judgment in approving and declining credit applications within.

Pakistan

Acted as a point of contact for the frontline staff in handling customer problems and played a key role in advising customers of high-level financial solutions from a range of available investment and credit banking solutions.Have ability to engage with customers and create positive experiences to retain and deepen relationships.Work closely with existing.