Muhammad Umer Farooq, Cfa Email & Phone Number

Dubai, AE

Islāmābād, Pakistan

• Provide strategic leadership to the Board of Investment in establishing Specialized Economic Zones (SEZs) to foster sustainable industrial development.
• Oversee corporate initiatives and serve as the primary liaison for the Model SEZ.Establish and nurture relationships with internal and external stakeholders to enhance support for the establishment of the Model SEZ.
• Identify and address key strategic, social, and political issues, taking proactive damage control measures.
• Oversee the recruitment process for consultants by defining eligibility criteria and evaluating consulting firms to ensure alignment with project requirements and predefined standards.
• Manage external consultants in conducting feasibility studies, defining their scope of work, and ensuring quality output meets established standards and objectives.
• Facilitate B2B meetings between Pakistani and Chinese businesses to foster mutually beneficial joint ventures, driving collaboration and partnership opportunities.

Pakistan

• Developed and executed strategic plans in alignment with shareholder goals, driving organizational growth.
• Advised the board and chairman to ensure alignment with the company’s vision and mission.
• Led cross-functional teams in Operations, Marketing, Finance, and HR, building collaboration and enhancing performance.
• Built strategic relationships with partners, suppliers, and regulatory bodies to support operational success.
• Analyzed business challenges, implementing solutions for stability and growth.
• Conducted cash flow analyses and developed financial models to support liquidity management and forecasting.

Dubai, United Arab Emirates

• Managed the Credit Control function for Corporate Banking, International Banking, SMEs, Financial Institutions, and Home Finance.
• Enhanced team skills and performance to ensure timely achievement of departmental objectives.
• Developed and maintained Standard Operating Procedures (SOPs) to reflect system and process changes.
• Updated the Operational Risk Profile by identifying risks and controls across all unit functions.
• Conducted periodic Risk Control Self-Assessments (RCSA) and monitored results for continuous improvement.
• Ensured timely and accurate Management Information System (MIS) reporting, exploring and implementing automation opportunities.

Dubai

• Directed and supervised the documentation function for UAE, Qatar, and Bahrain portfolios, encompassing bilateral, syndicated, and structured facilities.
• Ensured rigorous preparation and completion of all documentation in accordance with credit approvals and bank policies prior to facility drawdown, thereby safeguarding the bank against potential legal and financial.
• Fostered strong collaborative relationships with stakeholders to thoroughly understand their needs and deliver strategic solutions.
• Conducted regular reviews and updates of policies, procedures, and work guides to ensure uniformity and promote a culture of compliance across teams.
• Spearheaded initiatives for process standardization and automation within my areas of responsibility, provided ongoing support to the SCB Group for related projects.
• Effectively implemented each automation initiative, ensuring consistent interpretation and clear communication among all stakeholders

• Led documentation vetting for Islamic and conventional facilities, managing Corporate, Financial, Strategic Clients, and HNWIs for bilateral, syndicated, and structured transactions.
• Ensured accurate preparation, secure storage, and validity maintenance of security documents per credit approvals.
• Identified and resolved documentation deficiencies with business units to enable seamless facility disbursements.
• Updated SOPs and documentation policies regularly to ensure compliance and operational excellence.
• Managed and mentored unit staff, developing targeted training, development plans, job rotations, and succession strategies.
• Addressed daily operational challenges and collaborated with legal counsel to mitigate risks and ensure regulatory compliance.

• Managed the Agency Function for syndicated transactions, ensuring efficient coordination and communication among all participating banks where Mashreq Bank served as the agent.
• Maintained comprehensive records of commitments and outstanding balances for each participating bank, ensuring compliance with all documentation requirements and accuracy in financial reporting.
• Executed timely updates of commitment records following new disbursements or settlements, facilitating effective financial tracking and management.
• Managed the integration of new participants in secondary market deals, handling sales, transfers, or novation of shares with precision and clarity.
• Coordinated customer drawdowns by verifying participation amounts and disseminating relevant notifications to all stakeholders, ensuring transparency and compliance.
• Disbursed Mashreq Bank’s share of drawdowns to borrowers, adhering to established protocols to guarantee accuracy and compliance.

• Lectures to MBA Banking & Finance on the subjects of Portfolio Management (Finance Major) Foreign Exchange and Risk Management (Banking Major).
• Defining course objectives, drafting course outline and identification of related study material.
• Preparation of teaching aids such as handouts and presentations.
• Examining the students & preparation of results.

• (Bankakademie International (Now Frankfurt Business School) is Frankfurt based consultancy firm rendering services throughout the world especially for SME sector. In Pakistan they were awarded an Asian Development Bank.
• Support to Bankakademie International in due diligence and market studies.
• Asset Products development, in line with market studies, to cater target customers.
• Recruitment, training of lending staff, development of training material and Opening pilot branches of PFIs (Participating Financial Institutions).
• Member of credit committee for sanctioning cash flow based loans.
• Guidance, supervision and evaluation of performance of lending staff of PFI.

• Major Responsibilities/ Duties:
• Analyze credit appraisal reports prepared by relationship officers of the unit.
• To act as member of Credit Committee to evaluate credit appraisals.
• Client visits and verification of asset-valuations if necessary.
• Training/Mentoring of newly appointed staff members for their respective departments.
• Ensuring the implementation of credit policy of the bank and compliance of laws & regulations issued by State Bank of Pakistan or other regulatory authorities.

• Look after Credit Administration function of five branches of MCB Bank Limited which includes:
• Monitoring of credit portfolio of assigned branches. (which include monitoring of expiring facilities and monitoring of all types of expiring time bound documents)
• Execution of legal documents of a versatile credit portfolio of branches.
• Compliance of credit management policy
• .Inspection of hypothecated / pledged stock
• Repayment monitoring

Cfa, Accounting And Finance

Mba, Banking & Finance

Ocp, Oracle Developer

Bachelor'S Degree, Business/Commerce, General