Muhammad Sufyan Zaibi Email & Phone Number

Pakistan

Khyber Pakhtunkhwa, Pakistan

Credit Evaluation & Risk Review:-Conduct a systematic and objective examination of corporate and retail credit portfolios and adequacy of credit and risk management process by reviewing the end to end process of credit risk management framework and the entire credit assessment & approval process, risk recognition, credit administration, assignment of appropriate risk rating.-Plan credit review tasks; conduct periodic credit reviews / assessments.-Ensuring the effective on-going monitoring to identify credit risk on a proactive basis and assigns appropriate risk rating and suggests corrective steps. Provide timely alerts to the management on significant risks that might affect objectives, credit portfolio or resources.-Conduct extensive analysis and review of financing portfolio of corporate, SME, Consumer segments; with the privilege of working for both conventional and Islamic banking setups. Credit Administration; Monitoring & Compliance:-Collateral documentation & review of post disbursement monitoring activities; Policy, Procedural & SOPs and Regulatory Compliance-Reviews on bank’s loan data reporting to central bank; & validation of ECL working IFRS 9 Credit Recovery & Settlement:-Restructuring & Rescheduling; Waiver, Charge-off & write-off; & DPS-Reviews NPL data, provision charge / reversal and recovery performance. Special Assignments & Desktop Reviews: -Engaged in conducting the process and controls reviews of functions at head office level including Corporate & Commercial Banking, SME, Consumer; Credit Risk Management & Basel, Credit Administration (CAD), & Remedial Assets Management (RAM) functions. -Conduct special assignments including fact finding reviews, forensic audits and investigations in special matters related to default loans, serious process lapses, policy violations; as per the directives of chief internal audit, managing director, board audit committee and the board.

Head Office, Peshawar

As Head Credit Audit/Risk Review Department, Internal Audit responsible for managing the Risk Assets Review of credit portfolio (both Islamic & Conventional) bank-wide to ensure that the credit decisions taken are adequately assessed and are aligned with the approved credit risk strategies, credit policies, risk asset acceptance criteria and regulatory requirements and to ensure recognition and continual assessment of risks.Prime responsibilities included but were not limited to:- Conduct independent review of Corporate and SME borrowers having approved exposure of Rs. 50 M & above of (both Islamic & Conventional) and assign appropriate risk rating (i.e. Low, Medium, Medium PPA & High Risk).- Conduct quarterly reviews of High Risk and Medium Risk – Potential Problematic Accounts (PPA) accounts and provide updated status to the management & Audit Committee.- Conduct Audit of Specialized Functions at Head Office level connected with credit financing and risk management i.e. Credit Risk Management (CRMD), Credit Administration (CAD); Small & Medium Enterprises Division (SE& ME); Consumer Finance (CFD); Agriculture Finance (AFD) and Remedial Assets Management (RAMD).- Gathered data/ information on various sectors of the economy and conduct an in-depth analysis of each sector to provide guidelines to the risk reviewers.- Discussing with the line management and reaching agreement on audit findings. Inculcating a culture amongst bank staff that auditing is a support function carried out by independent professionals for the benefit of all staff at various levels in the organization.Key Achievements:- Revamped the overall structure of BRR in the bank.- Developed and trained the BRR Team- Automated the BRR working through Excel-based modeling - Conducted desktop reviews of bank-wide credit portfolio and provide a complete insight of the portfolio strengths & weakness along with recommendations to the management.

Pakistan

: Role: The role is to identify, analyze and document the risks associated with the business operations with respect to operational, compliance, financial, industry and technology related risks. Prime responsibilities included but were not limited to: Conduct Post Approval Credit Analysis & Risk Review of Loan Relationship of Corporate, Commercial; Small & Medium Enterprises on annual basis and provide independent opinion to Board Audit Committee on quality of credit risk framework (policies and procedures across credit processes viz. credit risk strategy, credit approval processes, risk rating processes, credit administration processes, credit review processes)  Credit Risk review of assigned portfolio (review of complete credit cycle i.e. quality of credit initiation, proposals prepared, risk assessment, disbursement, monitoring, problem recognition and remedial management) to determine overall quality of bank’s Risk Assets (Advances) Conduct Annual Credit Review of Advances Portfolio of North & Central Region of the bank including three (3) Corporate Units, Six (6) Commercial Units & Seven (7) Retails Units.  Bi-annual review of Special Assets Management; annual review of Islamic Banking portfolio & write-off cases of Central North Region. Executing processes related to audit planning & fieldwork, report writing, & assisting in the development of Junior Audit Personnel/Risk Reviewer. Coordinating with other team members, reviewing the audit findings and reports prepared by the team. Discussing with the line management and reaching agreement on audit findings. Inculcating a culture amongst bank staff that auditing is a support function carried out by independent professionals for the benefit of all staff at various levels in the organization.

Credit Risk Management Group, South

: Exercised “Credit Review Authority” as per the review grid with different slabs for both funded & Non funded facilities against cash collateralized; hypo-based with & without collateral along with pledge based.Main Duties: Review of corporate and commercial accounts. Evaluation of corporate and commercial proposals received from business units. Assist the unit head in establishing criterias for retail banking products. Analyze new credit proposals and check if they are as per the Credit policy and norms. Ensure adherence to all operating guidelines of various Regulatory Authorities, as well as internal bank guidelines. Improve/ suggest enhancements in credit structure in the Bank portfolios. Keep updated on all banking and credit related guidelines and regulations. Ensures that department procedures and guidelines are set and recognized. Ensure compliance with internal policies and procedures and external regulatory requirements and that the internal and external audit recommendations are implemented.

Credit Hub, Retail Banking Group, Karachi

1) Analyzing financial statements for assessing the financial health of the borrower and to evaluate credit quality and associated risks.2) Preparation of credit packages (fresh & annual renewals) as per bank's policies & procedure.3) Conducting client calls at the time of annual reviews.4) Responding to queries raised by approving authority & auditors.5) Preparations of Credit Reports, Site Visit Report & Call Reports.

Extensive Theoretical & Practical Training of Credit Operations; Trade Products & Branch Operation.

Banking Diploma, Banking Law & Practice

Associate of IBP (AIBP)

Master Of Business Administration (Mba), Finance

B.Com, Commerce

Credit Skills Assessment (Csa), Qualified 6 Modules