As part of Credit Risk Evaluation team, the core responsibilities are:• Analyse & review the risk associated within the assigned Corporate/institutional portfolio while suggesting corresponding mitigants and recommended terms while taking cognisance of various types of documentations including LMA and legal jurisdictions.Portfolio ranges from Structured Finance, Syndication, PPP, Project financing to GRE, Real estate and Hospitality sector within Qatar and Overseas (GCC). • Approve the Obligor's internal Risk rating and corresponding RAROC to advice the risk profile and pricing thereof.• Ensure compliance of internal P&Ps and relevant regulatory guidelines.• Site visit and customer meetings in coordination with the Relationship Team. • Identify early warning signs to initiate preventive/corrective measures.• Proactively monitor the progress of Projects from credit perspective. • liaise with all other infrastructure functions in the bank such as Legal, CCU, CAD etc. to ensure the facilities are implemented and documentation is conducted in line with approval.• Actively manage existing concentration risk (Single Name/ Sector Concentration).• Provide timely and accurate information to the Head of Credit Risk, CRO, external & internal auditors,Compliance function and other stakeholders as and when required.• Reports to Senior Management on sector performance and underlying risks especially with respect to Real Estate and Hospitality.• supervise/oversee all large ticket corporate/commercial, structured finance/syndicated and complex transactions including FIs along with the assigned analyst.• Manage workload of team ensuring TAT as per SLA.• Actively contribute to the development/review of existing/new P&Ps arising from changes in products, regulations, systems, strategies etc.• Risk champion for implementation of Corporate LOS.

Due to economic downturn a significant portfolio of the bank became either nonperforming or marginal. In order to manage this portfolio a specialized department “Structured Credits” was carved and I joined the bank to head the Faisalabad (region) unit. Over a quarter of te protflio was partially settled and revitalized and performing regular. Various methodologies being employed include but are not limited to:• Bridging working capital to resume operations and accelerate recoveries.• Structured work out arrangements• Acquisition of value assets under Debt Asset Swap• Buy back arrangement• Legal action where recovery in the normal course was challenging

• Review counterparty exposure on various F.I.s, Exchange companies including transactions like MRPA and Forfaiting.• Assign Country Risk limits and monitor for any breaches.

Managing credit portfolio originating from North Region (Pakistan). Apart from that due to limited resources, F.I. Risk was also being managed by my team.

Corporate & F.I. RiskRisk management group

Joined post privatization as Senior Credit Analyst and was part of new credit risk unit of the bank.Built a cross functional team and a network of Risk Managers in 5 regions of the country; including succession planning and talent management. • Analyzed syndicated transactions in steel, fertilizer, textile and power sector companies and suggested risk mitigation for both capacity enhancements and startups. Evaluated financial models as part of lead arranger and then provided relevant information to participating banks.• Improved facility structure of legacy customers, resulting in streamlining of 70% of exposure.• Identified potential NPL’s and advised strategies for exposure reduction.• Reviewed Commercial as well as Retail/SME credit comprising of a huge volume.

Habib Bank had undergone a major restructuring and rebranding under the new professional management. I joined the Relationship Management team at its Corporate Centre, Faisalabad. Faisalabad is textile hub of the country and generates huge volumes of exports. The credit portfolio being managed was over Rs. 6.0 bio ranging from working capital facilities to Project financing. Achieved a growth of over 100% in international trade volume over the period which was a source of significant ancillary earnings. Furthermore, managed to recover over Rs. 100mio from Non-performing relationships. Key assignments • Corporate relationship mobilization. • Prepared Credit application and memorandums, to get them approved from the approving authorities while adhering to bank’s credit policy and regulatory framework.• Analysed various Projects for financing and arranged/led Consortiums. • Generated and assigning Obligor Risk Rating • Identifying risks and mitigants • Devise long term as well as short term relationship strategy • Advising the credit facilities and facilitate in security documentation to ensure timely disbursements. • To liaison for day to day affairs and ensure smooth sailing of the relationship.