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 matters• 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 or deferral of credit applications in consistent with established timelinesSupporting New business and growth of portfolio with competitive deals for business opportunities among existing customers. Supporting the team with portfolio expiry management and timely monitoring of financial performance review. Processing the opening of new accounts as well as making changes to existing accounts as required.

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 considering AML Regulations.Restructured credit requests, when necessary, to make bankable deals in line with the Banks policies and guidelines and negotiated with Client Relationship Managers and Team Leads to ensure credit terms and conditions are appropriate and that client needs are met.Portfolio management of borrowing clients which involved monitoring and analyzing the credit worthiness, configuring the working capital and term finance facilities, financial projections, internal credit risk approvals, negotiations, documentation, and disbursements.

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 achieve a Service Quality score of 97.5% Minimized all risks by ensuring strict adherence to KYC/AML and internal policies and processes of the bank.Successfully managed to grow existing corporate relationships from $10 Million to $15 Million with clients across energy, hotels & resorts and the second real estate company of the country.Standardized Retail Banking operations with operation team regarding day-to-day processes.Accelerated support lending decisions worth $5 Million, based on the credit-granting principles of credit scoring and borrowers’ viability, worked with credit analysts to generate approvals.

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 established limits. Recommended pricing for loans and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations.Reviewed and vetted complex loan documentation, closed new deals, and originated collateral management.Monitored and programmed credit limits, risk ratings, pricing, margins, ratios, and financial reporting system.

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 and prospective customers to provide financial reviews, discuss portfolio updates and suggest additional personalized solutions based on their financial goals.Sound knowledge of advanced investing and credit processes, banking solutions and concepts to provide personalized advice to customers in a fast-paced work environment.Implementing Strong customer service ensuring client satisfaction, retention and coordinating with cross functional teams.