As Corporate Credit Manager worked on various transactions including structuring loan transactions, (bilateral and syndicated) for various type of credit facilities such as Project finance, revolving facilities and working capital. My roles included drafting term sheets, review financial models and liaise with external advisors (legal, technical, market, insurance, and other advisors) to underwrite complex loans. Negotiate loan documentation to close transactions in a timely manner. • Relationship coverage of 25+ Corporate Clients operating in various sectors.• Dealt in Hydro power, Cement, Steel, Fertilizer, Sugar, Gas and construction sectors.• Earned "top-rated" performance appraisals in 2019 onwards for driving revenue growth and exceeding targets and objectives. • Reduced 10% Non-Performing Loans by effective management of the risk profile.Key Transaction includes:- Lead arranger for the Syndicate Credit facility of USD 500Mn to finance the construction of Hydropower Tunnel Dam. - Syndicate finance participant of cement plant capacity extension under Diminishing Musharaka of USD 25Mn. - Syndicate finance participant of Electric Transmission line Project of USD 75Mn.• Plan, organize, direct, control and evaluate the credit operations, administering Commercial and corporate finance.• Developing the department strategy and related strategic plans.• Propose new and effective, world-class financial modelling, procedures, controls, and systems.• Portfolio management activities such as monitoring and assessing the performance of investment portfolios, analyzing proposed budgets, capital plans and other transaction-related requirements.

• Sanctioning of the credit limits. Analysis/scrutiny of credit proposals, i.e. Facility Structure, Financial and collateral analysis of Fresh, Renewal, Enhancement, Amendment, NOCs & changes in Credit Structure etc. of Commercial, SME and Consumer Finance.• Provide advice and recommendations to origination teams on appropriate risk mitigation measures, deal structuring, security, and financial covenants throughout risk appraisal process. • Monitor unsatisfactory trends in risk ratings, credit conditions, overdue reporting, annual reviews etc., and initiate corrective action.• Reduced 20% TAT by developing the department strategy and complexion reduction.• Winner of multiple Achievement in Credit Excellence awards in recognition for concise and properly analysed credit approvals. • Evaluate financial risks, prepare financial forecasts, financing scenarios and other documents concerning capital management, and write reports and recommendations.• To facilitate independent credit risk assessment and credit approvals.• Application of a credit policy of Bank and Prudential Regulations of Central bank.• Develop, implement and use tools for managing and analysing financial portfolio.

• Structured and executed loan transactions. Prospected new business and enhanced existing relationships. Prepared complex credit applications and conducted comprehensive due diligence on borrowers. Met with clients regularly to discuss financing solutions.• Managed a diversified portfolio of over USD 50 Mn which included Textiles, Entertainment, Sports Goods, medical instruments, food processing and construction sectors. • Processing of 50+ Credit Proposals with exposure of USD 50 Mn in sectors of Textiles, Entertainment, Sports Goods, medical instruments, food processing and construction. • Established an effective working relationship with risk management teams to build sustainable asset growth of 25% annually.• Treating of Restructuring and Rescheduling requests.• Monitor the Credit Portfolio for Risk management to recognize early warning signals and recommend remedial measures.• Review of Finance, Collateral and Security documents for accuracy on regular basis for credit portfolio.• Filing and Persuasion of suits for recovery of finances. • Monitors, tracks and undertakes risk assessment analysis of various types of lending.• Manages client relationships, anticipates client needs and recognizes opportunities to cross-sell.• Achieved new business / customer acquisition goals and manage relationships with existing high net worth Banking Customers, in accordance with the bank’s customer service guidelines. • Delivered sound financial advice and offering customized product solutions in accordance to the bank’s prescribed standards as well as industry regulatory requirement.

Business Analysis

Financial Modelling