Farhan Ali Baig Email & Phone Number

Pakistan

Karachi Division, Sindh, Pakistan

1 Analyse and appraise Credit Proposals for Corporate / Commercial and Overseas borrowers.2- To ensure conduct of scheduled Credits Review for Commercial Banking annual review findings/ reports for senior management.3- Ensure that the bank’s Credit policy and all regulatory requirements are being followed at the time of sanctioning credit limits / renewal.4-To monitor high risk accounts and overdue on periodical basis to maintain/ improve overall health of the credit… Show more 1 Analyse and appraise Credit Proposals for Corporate / Commercial and Overseas borrowers.2- To ensure conduct of scheduled Credits Review for Commercial Banking annual review findings/ reports for senior management.3- Ensure that the bank’s Credit policy and all regulatory requirements are being followed at the time of sanctioning credit limits / renewal.4-To monitor high risk accounts and overdue on periodical basis to maintain/ improve overall health of the credit portfolio.5-To conduct Environmental and Social Risk Management (ESRM) review of Fresh / Renewal/ Enhancement of credit facility as per guidelines issued by State Bank of Pakistan (SBP).6- Review and recommend revision of Obligor / Facility risk ratings assigned by Business in light of due diligence findings.7-Ensure timely turnaround on the credit issues & credit proposals.8-Keep up on of the current economic scenario, dynamics of key industries, and impact of government regulations and policies on the borrowers’ businesses. Show less

Karachi

1- Conduct comprehensive credit risk assessment for corporate and SME loan portfolios analysing credit worthiness and repayment capacity of borrowers.2- Review and analysed Corporate and SME borrowers for new and existing and loan applications3- Prepared credit portfolio report for senior management on weekly, quarterly and annual basis4- Prepare Board note for the company for senior management on quarterly and annual basis5- Led team a 5 junior credit analyst, providing… Show more 1- Conduct comprehensive credit risk assessment for corporate and SME loan portfolios analysing credit worthiness and repayment capacity of borrowers.2- Review and analysed Corporate and SME borrowers for new and existing and loan applications3- Prepared credit portfolio report for senior management on weekly, quarterly and annual basis4- Prepare Board note for the company for senior management on quarterly and annual basis5- Led team a 5 junior credit analyst, providing guidance on credit analysis techniques, risk assessment methodologies and best practice.6- Prepare credit watch list and Non Performing loan reports on monthly basis for senior management.7-Ensure that the credit facilities have been properly structured as per the business requirement of the customer & ensuring that the price and collateral are adequate to cover the risk involved and provide recommendations for restructuring of credit facilities, if required.8- ed the development of a new credit scorecard model for different products (Corporate Loan, Small and Medium Loan, Leasing, Housing finance and Individual borrower consumer loan), resulting in improved risk assessment accuracy and enhanced portfolio performance.9-Prepared and submitted the workings on Internal Capital Adequacy Assessment Process (ICAAP) to the State Bank of Pakistan identifying key risks within the Pillar-II framework on annual basis.10- Streamlined communication and collaboration between departments, leading to a 25% improvement in risk management efficiency.11- Assisted senior analysts in compiling data for IFRS 9 compliance, ensuring accuracy and completeness of information as per guideline of IFRS 9 standards.12-Ensure regulatory compliance and adherence to the internal credit policies, resulting in a successful audit rating of 95%. Show less

Karachi Division, Sindh, Pakistan

1- Conduct comprehensive credit analysis credit requests of SME and Leasing entities clients with 90% approval from Credit Committee.2- Developed Credit risk model scoring for SME and Housing Finance products to optimise resource utilisation.3- Collaborated with cross functional teams to ensure adherence to credit policies and regulations resulting in a successful regulatory audit for department on annual basis.4- Prepare Board note and presentation for Credit Committee, Risk… Show more 1- Conduct comprehensive credit analysis credit requests of SME and Leasing entities clients with 90% approval from Credit Committee.2- Developed Credit risk model scoring for SME and Housing Finance products to optimise resource utilisation.3- Collaborated with cross functional teams to ensure adherence to credit policies and regulations resulting in a successful regulatory audit for department on annual basis.4- Prepare Board note and presentation for Credit Committee, Risk Management Committee and Board Risk Management Committee.5- Prepare on weekly basis credit exposure sheet for entire credit portfolio of Company as per Credit Policy for senior management.6-Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks. Show less

Karāchi, Sindh, Pakistan

1- Conducted thorough analysis of companies, industries, and market trends to provide accurate and actionable investment recommendations to Head of Securities Portfolio Department2- Maintain and update financials results and distribution (Dividends and Bonus shares) of equity portfolio companies for Head of Department.3- Update departmental policies and manual on an annual basis.4- Assist senior in preparing stock valuation report and presentation to investment… Show more 1- Conducted thorough analysis of companies, industries, and market trends to provide accurate and actionable investment recommendations to Head of Securities Portfolio Department2- Maintain and update financials results and distribution (Dividends and Bonus shares) of equity portfolio companies for Head of Department.3- Update departmental policies and manual on an annual basis.4- Assist senior in preparing stock valuation report and presentation to investment committee.5-Developed financial models to forecast company earnings, valuations, and risk assessments for informed decision making.6-Optimised stock selection process through regular peer group comparisons and relative valuation analyses. Show less

Karāchi, Sindh, Pakistan

1- Conducted thorough credit risk assessments for a wide range of SME products, including working capital loans, equipment financing and auto lease finance, ensuring alignment with risk appetite and regulatory requirements.2- Responsible for creating risk assessment spreadsheet for each new project specifically for SME and RBD Department3- Prepared and presented credit risk reports to senior management, highlighting key risk indicators and recommended actions to mitigate potential… Show more 1- Conducted thorough credit risk assessments for a wide range of SME products, including working capital loans, equipment financing and auto lease finance, ensuring alignment with risk appetite and regulatory requirements.2- Responsible for creating risk assessment spreadsheet for each new project specifically for SME and RBD Department3- Prepared and presented credit risk reports to senior management, highlighting key risk indicators and recommended actions to mitigate potential issues.4- Maintain credit exposure sheets ( Exposure wise, Geographical wise & product wise) on weekly basis for senior management.5- Prepare Board Note and presentations for Board of Directors and senior Executives of the Company on quarterly and annual basis. Show less

Master Of Business Administration - Mba, Finance, General, 3.03

Activities and Societies: Cricket and Table Tennis

Master Of Business Administration - Mba, Finance, General

Master Of Business Administration - Mba, Finance, General

Master Of Business Administration (Mba), Finance, General

Activities and Societies: Playing cricket,table tennis * Participate in extra curricular activities

Bachelor'S Degree Electronic Engineering, Electrical, Electronic And Communications Engineering Technology/Technician

Participate in Extra curricular activities (Cricket)