Faisal Mujeeb Email & Phone Number

Karachi, Pk

Karachi, Pakistan

• Managing Corporate Banking South Credit Risk Portfolio. Approving Credit Applications falling within own discretion and providing input on credits escalated to Higher Credit Authority Levels. •Ensuring Implementation of Credit Policies and Procedures ensuring that the quality of Credit Memorandums meets banks defined parameters. • Conducting regular Portfolio reviews of all accounts including structured credit, watch list, NPLs, with special emphasis on early problem recognition for effective remedial management. •Ensuring Compliance with all relevant applicable regulations. •Providing assistance to business groups in achieving their objectives while ensuring that credit quality is not compromised.•Assisting in implementation of all regulatory initiative including Basel.•Provide adequate credit training for the personal in their respective areas.•Proposing process re engineering related to the Credit approvals and maintenance process on a on going basis with a view to improve credit processes and simplifying the process flow. •Ensuring Credit applications are disposed in a reasonable time with articulation of clear decisions for approval/rejections.. Conducting client calls of the assigned portfolio. •Supporting Head Corp Risk & CCRO in special projects assigned on regular basis.

Pakistan

Credit Process Management •Approving of Credit Applications falling within own discretion and support of applications, which require approval outside the territory.•Attending the local Credit Issues Committees for respective countries to review credit related issues.•Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate, in managing substandard accounts to maximize recoveries and minimize losses.•Undertake regular customer visits with business team including site visits to understand customer strategic priorities, opportunities, risk and requirements.Portfolio Management •Assist with the formulation of annual Portfolio Standards through joint sponsorship with the business.•Influence and monitor through use of Risk MI the shape and composition of the portfolio against approved Standards, and escalate breaches with recommendations for remedial action. •Monitor and identify signs of deterioration on individual names with a view to commence early remedial management of these accounts and thereby minimize loan losses thus directly contributing to bottom line.Governance•Support CRC by Monitoring and reviewing the daily excess reports / CMS report (for documentation deficiencies) / monthly RB reports•Regularly review audit and CRR reports / KCIs & CSTs and identify key trends.•Prepare all the inputs required from Credit Risk to assist the CCRO office.•Maintain vigilance over data quality and drive ongoing improvement.•Ensure timely submission of data to region on EAR updates ,Local and Group Credit Policy BreachesRegulatory and Compliance Management•Provide all data required for audit purpose.•Liaise with internal, external and Central Bank auditors for the provision of information and discussions on portfolio quality and management issues as and when required.

Singapore

Recently relocated to a Singapore in CRE Risk. Handling Portfolio of Commercial Clients for South East Asia (Singapore, Malaysia) and North Africa. Main Responsibilities includes • Proactively Monitor the quality of the CRE CC Portfolio in South East Asia & Africa and conduct Portfolio Reviews and Stress Testing.• Monitor Compliance with Credit Policy, relevant local regulations, business strategy and CRE underwriting standards for Commercial Clients.• Approve limit applications falling within the delegated authority and support applications which require approval outside personal discretion.• Provide guidance to Commercial Client business units on preparation of quality Credit Applications.• Formulate Country Underwriting Standards that are aligned with In-country Business Strategy.• Undertake regular customer visits with business team including site visits to understand customer strategic priorities, opportunities, risk and requirements.• Compile and ensure timely accurate submission of key CRE Risk Indicators, Periodic CRE Portfolio Reports and Stress Test.• Review past due and excesses on regular basis to ensure that appropriate and timely action under taken by business unit.• Identify possible streamlining to enhance the effectiveness of the credit monitoring and control process.

Karachi

A Credit Risk professional with proven track record of performing a broad range of risk management activities in high-profile corporate and commercial banking environments for over 15 years. Having broad and deep knowledge of wholesale, commercial, and SME banking. Particular expertise in credit risk, FX-based transactions, trade finance, supply chain financing, receivable factoring/discounting, Policy Making & Stress Testing. Performing Underwriting function since 2007 for the Commercial and Middle Market Corporate clients with delegated authority. Performed supervisory role of managing the Credit Team for the Interim periodInvolved in developing Portfolio Standards and and Country Credit Procedural Manual Actively engaged in Portfolio Monitoring & identification of problem accountsProvide high level of service to the internal customers based on accuracy, responsiveness and provision of high level/quality service to external customers on credit and trade inquiries. Oversight of BCAs approved by subordinate to ensures that the quality meets Group standardsPlaying an active role in Business Progression, and provide all assistance in booking quality asset and help build quality portfolio hence balancing Risk & Reward.

Karachi

First employer. This is 5th Largest Bank of Pakistan. I worked in Credit Division, Head Office.Worked as Senior Credit Officer engaged in processing of Credit Recommendation of large ticket Corporate & Commercial clients. This revolved around examination and analysis of financial/ investment information, company profiles, future business plans and other investment related information. Monitoring proposals approved by Branch Credit Committee & Area Credit Committees and overseeing their annual reviews.