Fakhar Alam Email and Phone Number

As a vital member of the Corporate Coverage team, I collaborate with team leaders to oversee a diverse portfolio that includes multinational corporations (MNCs), corporates, and commercial entities across various sectors such as telecom, energy, hospitality/construction, sugar, and FMCGs.My primary responsibilities encompass the preparation of comprehensive financing proposals for both potential and existing clients. This involves conducting thorough financial and industry research to… Show more As a vital member of the Corporate Coverage team, I collaborate with team leaders to oversee a diverse portfolio that includes multinational corporations (MNCs), corporates, and commercial entities across various sectors such as telecom, energy, hospitality/construction, sugar, and FMCGs.My primary responsibilities encompass the preparation of comprehensive financing proposals for both potential and existing clients. This involves conducting thorough financial and industry research to ensure informed and strategic decision-making.I play an active role in monitoring and managing existing credit facilities, utilizing Islamic financial models while strictly adhering to risk management policies.Timely credit maintenance tasks fall under my purview, including the submission of insurance, call reports, stock reports, and valuation, along with handling debt assumption charges (DACs) for our existing clients.In my capacity, I conduct meticulous risk assessments for both current and potential clients through diligent due diligence and the application of internal risk rating models.Furthermore, I contribute proactively to exploring new business opportunities. This involves collaborating with team leaders to identify prospects within our existing client base and reaching out to potential clients in previously untapped markets. Show less

Worked with Team Leader in managing a portfolio of PKR 25 Billion (Funded + Non-Funded). The portfolio was diversified with major exposure in the Telecom, Textile, Energy, Steel, and Poultry sectors.• Prepared Standard Credit Applications (SCAs) for new/existing corporate clients. The Corporate Department handles applications for amounts greater than PKR 500 Million and/or when the client has sales revenue over PKR 2 Billion.• Conducted Credit Risk Analysis of clients with current… Show more Worked with Team Leader in managing a portfolio of PKR 25 Billion (Funded + Non-Funded). The portfolio was diversified with major exposure in the Telecom, Textile, Energy, Steel, and Poultry sectors.• Prepared Standard Credit Applications (SCAs) for new/existing corporate clients. The Corporate Department handles applications for amounts greater than PKR 500 Million and/or when the client has sales revenue over PKR 2 Billion.• Conducted Credit Risk Analysis of clients with current funded/non-funded exposure to the bank. New potential clients were rigorously screened to ensure minimal financial risk.• Conducted in-depth Financial Analysis of the companies' three years' financial and operating performance.• Performed Industry Analysis on existing/new clients to preempt risks that could affect our exposure and took remedial actions in a timely manner.• Created Obligor Risk Rating (ORR) and Facility Risk Rating (FRR) Models following the bank's policies. These models were then used in various internal models to determine an appropriate markup for various availed facilities. Pricing had to justify the inherent risk in the facility.• Developed a Financial Model based on the overall global and national economy and the last three years' financials of the clients.• Coordinated with the Trade Processing Center, Regional Credit Risk Administration Department, and Branch Operation Department to facilitate clients in accessing the relevant services provided by the bank. Show less

• Completed training on 'Introduction to Banking and Money Laundering' including Branch placement• Completed two weeks of rigorous training on Anti-Money Laundering and Combatting Terrorism Financing• Identified suspicious transactions, and reported them to State Bank of Pakistan• Prepared monthly report on the frequency of suspicious transactions in Northern Region• Conducted anti-money laundering and combatting terrorism financing analysis using Oracle Business Intelligence… Show more • Completed training on 'Introduction to Banking and Money Laundering' including Branch placement• Completed two weeks of rigorous training on Anti-Money Laundering and Combatting Terrorism Financing• Identified suspicious transactions, and reported them to State Bank of Pakistan• Prepared monthly report on the frequency of suspicious transactions in Northern Region• Conducted anti-money laundering and combatting terrorism financing analysis using Oracle Business Intelligence Software.• Generated Suspicious Transactions Reports (STRs) for customers with suspicious transaction patterns and reported them to the Financial Monitoring Unit of the State Bank of Pakistan.• Prepared a report on customers' transaction history for informed management decisions.• Reviewed and analyzed correspondence issued by Law Enforcement Agencies, ensuring adherence to regulatory compliance and risk mitigation measures Show less

• Created Financial Projections and Spreads to approximate clients’ capacity• Regularly reviewed accounts performance through financial analysis• Complied with approved policies, procedures and norms to protect the customer’s and organization’s interest

Gathering market insights through Business Confidence Survey (BCS) for Monetary Policy of Pakistan.

This internship not only provided me the opportunity to scrutinize the operations of Non-profit organizations but also to work with diversity.My daily duties were:-Assisting the supervisor in the management of Employees' contracts, inductions, employee related documentation, record keeping and clearance.-Updating personnel files & Maintaining the data archives.-Collecting data from ongoing projects. -Cleansing data -Taking meeting minutes