Muhammad Hasan Siddiqui Email & Phone Number

Toronto, On, Ca

Pakistan

Pakistan

Karāchi, Sindh, Pakistan

Currently working in BankIslami Pakistan in Credit & Risk Management Division as Senior Manager – Credit Risk for their Corporate, Commercial and Investment Banking SegmentResponsibilities:✔ Approving Credits under authorized Credit Delegation Authority ✔ Conducts thorough due diligence of the credit requests and prepare detailed recommendations for the Senior management. ✔ Assist and involved in Formulation of Bank Credit Policy and Credit Manual✔ Supervision of a team consisting of Four credit analysts for effective/ prudent risk assessment and efficient approvals while contributing towards decisions of higher level of credit authority with the aim to achieve a low turnaround time (TAT) without compromising on credit quality and decisions. ✔ Keep abreast of the current economic scenario, dynamics of key industries, and impact of government regulations and policies on the borrowers’ businesses✔ Ensure that the proposals are in conformity with bank’s credit policy manual, Central Bank Regulations and internal audit requirements

Pakistan

Worked in Dubai Islamic Bank in Credit Risk Management Division as Assistant Vice President – Credit Analyst for their Corporate, Investment , SME/Commercial and Financial Institution Segments.I got promoted in Oct 19 to AVP from Manager.Responsibilities:✔Review of Existing/Fresh Credit proposals against the risk emanating from credit relationships such as financial analysis/ Ratio analysis, repayment capacity, security analysis, facility structuring, industry analysis etc.✔Conducts thorough due diligence of the credit proposal for Corporate , Commercial, SME, Investment Banking & Financial Institutions (FI's)and prepare detailed recommendations considering all identified risk and potential return along with related mitigating measures ✔Ensure that the proposals are in conformity with bank’s credit policy manual, SBP Regulations and internal audit requirements ✔Maintain close liaison with Business Units to understand client requirements & ensure the risks are adequately addressed. ✔ Perform Risk Rating analysis through Moody’s Risk Analysis (MRA) software✔Constantly keep improving the TAT without compromising on quality of Credits being approved ✔Keep abreast of the current economic scenario, dynamics of key industries, and impact of government regulations and policies on the borrowers’ businesses

Karachi, Pakistan

Worked in HABIB BANK LIMITED as Manager - Credit & Marketing for their SME/ Middle Market /Commercial Segment under direct supervision of Credit Hub In-charge. I was responsible for the overall Credit Approval process i.e. from Credit Initiation process till post approval formalities.Responsibilities:✔Prepares & Review detailed Business Credit Proposals (New/Existing/Renewal/Enhancement) in line with the Credit policy & Procedure of the Bank and Central Bank Regulations ✔Comprehensive Credit Analysis, Financial Statement Analysis, Ratio analysis, Industry & Peer analysis, Limit Structuring, Collateral requirements, Accurate Financial spreads, projections & preparation of Credit risk Ratings. ✔Identify the risk in the transactions and in the customer business by thoroughly conducting in-depth Risk Assessment and then propose proper risk mitigants to cover the bank interest ✔To develop SME / Middle Market/ Commercial banking relationship customer base by way of providing assistance to Unit Head in growing the asset base of the assigned Portfolio by working on potential clients for initiation of new relationships along with Identifying previously untapped business opportunities within the existing portfolio. ✔ Adopts appropriate relationship management strategies to protect the Bank's interests at all times, e.g., potential default, and to meet the clients' expectations of the relationship. ✔ Maintains credit quality of the designated portfolio by constant monitoring of accounts by Maintaining and exercise controls, while constantly monitoring customer quality in order to minimize the risk of loss to the bank. ✔ Have able to Migrate best practices from other corporate entities.

Mcb Tower, Karachi

I was responsible for reviewing the Credit Proposals submitted by the Branches for Corporate /Commercial/ Retail Segments against Short Term & Long Term Financing, Financial & Ratio Analysis, Regulatory Requirements, Compliance with Banks Credit policies.Responsibilities:✔ Review of Fresh/Existing Business Credit Proposals in terms of Risk assessment originated from the branches for Corporate/Commercial Sectors by analyzing Credit data, Financial Statements Analysis , Financial Ratios, Limit Structuring & having detailed discussion with Branch Relationship Manager(s) & ensure completeness of supporting documents and compliance with Bank’s & Regulatory requirements.✔Undertakes detailed analysis of proposals by strictly adhering to principles of lending , Bank’s procedures & Policies, Central Bank Regulations , wherever applicable to assess quality and proper asset selection.✔ Review Credit proposals by addressing queries and prepare detailed proposals/memo covering all significant factors (Strengths & Risks) based on detailed Business, Financial, Collateral (Security), Industry & Management performance analysis for review and recommendation by approving authorities, ensuring accuracy and completeness.✔ Spreads and analyses of financial statements; prepares cash flows, projections to generate Credit Risk Rating of the borrowers.✔ Monitoring of Credit Portfolio of both Advances (Loans) & Trade by way of different reporting ✔ Provide advisory support to Credit/Relationship Managers on different Credit Issues including facility structuring, financial analysis and other risk mitigating factors.✔ Maintains Coordination with Credit Administration Department (CAD) for smooth processing of post approval documentation.✔ Consolidation and dissemination of meeting data / presentations for Portfolio Meetings✔ Preparation of different kind of MIS Reports for submission to Senior Management & Central Bank for monitoring & control purpose.

Karachi

As a Business Analyst I worked towards simplifying the Processes as part of the largest deployment of ‘New Core Banking Application’ across the banking network of BANK AL HABIB. The objective of this project is to enhance and increase the productivity with improved processes and procedures. Responsibilities:✔ Communicate with the Business/Product Owner to collect and understand business / functional requirement in terms of mapping/business requirements and brief the same among the architects and Development Teams etc.✔ Review and Conducts Gap Analysis of Policies & Processes✔ Act as a liaison between business/Product team and local development and QA teams✔ Prepares , Review and Edit Product Documentation , User Stories & Use Cases , data flow diagrams, etc.✔ Ensure that system requirements meet business needs and that the business is able to fully integrate and implement new systems and/or system features✔ Critically evaluate information gathered from multiple sources, reconcile conflicts, decompose high-level information into details, abstract up from low-level information to a general understanding, and distinguish user requests from the true underlying needs✔ Proactively communicate and collaborate with users to analyze information needs and functional requirements✔ Carry out in-depth review of business processes, systems, documentation for different domains ✔ Involve in Core banking Business Processes and Functional Processes of the respective Departments✔ Participate in technical review, team discussions, formal presentation and accurate documentation.✔ Tracks the progress and helps the team to achieve the given commitment. Ultimate goal is to make the sprint successful.

Head Office , Karachi

Worked in Credit Risk Department of Standard Chartered Leasing where I was responsible to review Credit Proposals for Corporate/Middle Market Customers . I was also involved in formulation of Credit Risk Policies & Procedures. Further, I was managing a Portfolio of PKR 4 Billion in terms of its performance by different means of BASEL Credit Modeling tools (.i.e. dpd, LGD, PD, EAD etc). Further I was also assigned an additional task of Operational Risk Coordinator for different depts.Responsibilities:► Credit Risk ✔Review of Fresh/Existing Business Credit Proposals (BCA's) for Corporate & SME Sector by analyzing Credit data, Financial Statements, Ratios & having detailed discussion with Relationship Manager(s) ✔Ensure compliance with portfolio management objectives with respect to exposure limits, and/or concentration as per the guidelines✔Assist Head of Credit Risk in daily Credit Risk related activities & in formulation of risk policies, Underwriting Standards, Product Program Guidelines, and Country Credit Approval Documents etc.✔ Ensure that Proposals are in conformity with Product Program Guidelines, and Credit policies of the Company.✔Involved in different kinds of MIS Reporting in terms of Portfolio Management & Credit Risk Reporting through Moody’s Risk Analysis (MRA) software✔ Conducts periodic Early Alert Committee (EAC) meetings, Business Approval Committee Meetings (BAC) & Portfolio Management Committee (PMC) along with drafting of minutes of meetings while forwarding the same to the relevant stakeholders✔ Ensure Compliance on minutes of meetings in subsequent meetings► Operational Risk ✔Assist Operational Risk Head in developing and updating of procedure ,controls & monitoring plans for Operational Risk Management & to report OR issues & Losses to Line Manager ✔Monitoring of KRI (Key Risk Indicators), Health Checklist & CST's (Control Sample Testing - formerly KCSA's).