Khizer Khan Email & Phone Number

• Lead a team of motivated individuals in evaluating credit proposals for onward submission to Bank’s Credit / Executive committee / Board, as applicable.• Act as a change agent for the implementation and adherence to the credit approval process.• Instill sound credit culture across business units and credit with the objective of promoting & protecting the bank’s asset quality.• As secretary and a voting member of the Bank’s Management Credit Committee, ensure thorough preparation… Show more • Lead a team of motivated individuals in evaluating credit proposals for onward submission to Bank’s Credit / Executive committee / Board, as applicable.• Act as a change agent for the implementation and adherence to the credit approval process.• Instill sound credit culture across business units and credit with the objective of promoting & protecting the bank’s asset quality.• As secretary and a voting member of the Bank’s Management Credit Committee, ensure thorough preparation for Credit committee meetings, cascade/enforce decisions, ensure the rigorous application of credit policy among Credit Managers and Credit officers of the bank including business operating units.• Ensure clear communication of & adherence to credit decisions to & within the sales network, to ensure a culture of credit writing excellence, mentor Assistant RMs and credit team on credit policy decisions cascaded down from the Senior Management.• Responsible for monitoring of existing credits and a systematic classification of credits into respective categories• Escalate problematic past-due clients to higher management levels to workout solutions as needed.• Rehabilitation of seriously delinquent corporate accounts by the restructuring of debt, revision of business plans, cash flows, etc• Enhance Monitoring & Controls framework & ensure they are effective to protect bank’s credit assets• Development/review of appropriate policies for Credit Management – CRM Framework and Lending guidelines, rating module, Al Etihad Credit Bureau etc, including Basel II initiatives from CRM• Regular update of all credit policies & procedures• Early identification of problem accounts, implementing & monitoring control & remedial activity measures• Monitoring Asset deterioration & recommending appropriate solutions/remedial measures• Implementation of core banking systems/integration with other systems• Compliance of internal/external /Central Bank audit Show less

Dubai

• Marketing of clients for prospective lending relationships.• Preparation of credit proposals with facilities based on customer’s business needs and appropriately structured.• Credit proposals preparation include due diligence and thorough assessment of risk (credit, market, industry, etc) after detailed financial and SWOT analysis, adherence of Bank’s & Central Bank’s policies & procedures for onward approval by the competent approval authority• Post-approval,… Show more • Marketing of clients for prospective lending relationships.• Preparation of credit proposals with facilities based on customer’s business needs and appropriately structured.• Credit proposals preparation include due diligence and thorough assessment of risk (credit, market, industry, etc) after detailed financial and SWOT analysis, adherence of Bank’s & Central Bank’s policies & procedures for onward approval by the competent approval authority• Post-approval, ensure completion of security, documentation, mandates, and utilization of sanctioned facilities.• Regular monitoring, control & timely / renewal of facilities.• Coordination with Credit control, legal, audit, Head office Departments• Central Bank, Internal & External audit compliance. Show less

Bangalore

• Responsible for developing & managing corporate relationships.• Independently handled all relationships right from infancy.• Developing relationships, marketing services, evaluating projects structuring the Means of Finance, technical, financial, marketing appraisal of projects, Inspection, disbursement & monitoring aspects, rehabilitation of sick units.• Independently initiated and developed a new branch office with limited resources.• Was identified and deputed… Show more • Responsible for developing & managing corporate relationships.• Independently handled all relationships right from infancy.• Developing relationships, marketing services, evaluating projects structuring the Means of Finance, technical, financial, marketing appraisal of projects, Inspection, disbursement & monitoring aspects, rehabilitation of sick units.• Independently initiated and developed a new branch office with limited resources.• Was identified and deputed to the State Government’s Commerce & Industries Dept., where a comprehensive rehabilitation package was prepared to turn around 19 sick textile & sugar mills.• Surpassed all set business targets annually and received commendation letters. Show less

Kota, Rajasthan

Rresponsibilities included the entire gamut of Engineering/Project Management aspects of a chemical/textile plant, viz. Erection, installation, commissioning of a brand new Polyester Staple Fibre plant, coordinating with the foreign collaborators (M/s Zimmer AG of West Germany), planning, organising, staffing & controlling the production, labour, resources, maintaining quality & maximizing productivity, liasioning with the internal and external customers

Bachelor Of Technology (B.Tech.), Textile Sciences And Engineering

Master Of Business Administration (M.B.A.), Finance