Muhammad Owais Email & Phone Number

Riyadh, Saudi Arabia

Syndicated Loans, Agency Management & Operations DepartmentIn-depth knowledge of banking operations functions, systems, policies and proceduresDemonstrated understanding of financial services, specifically within Investment BankingCollection and review of legal loan documentation for operational feasibility, optimal execution mechanics, regulatory requirements and mitigation of operational riskKnowledge of the Loan product / Syndicated Loan business, including a strong understanding of a credit agreement, loan funding mechanics, deal structure, ticking fees, funds flows, etc. Undertake new drawings, rollovers, rate fixing, repayments and repayments in accordance with Loan Documentation ensuring that all limit controls and CP's have been adhered to.Ensure that notifications are sent to the Lenders with regards to fees, interest payments, principal payments and LIBOR/SAIBOR rollover and to coordinate with the lending team to ensure that the Borrower’s payments are made in a timely manner. Including, but not limited to, posting transactions on Bank’s internal systems and wiring funds out to LendersEnsure all covenants financial/other information, stipulated in original loan documentation is received and, if delayed, chased and reported. Once received, distributed promptly to syndicate members. Non receipt to be escalated as necessaryProven ability to collaborate with team members and senior management across and within the lines of business with a keen attention to detail and strong analytical capabilityEnsure that all entries passed over the Nostro accounts are reconciled correctly, advising the Reconciliation team of all matched entries passed. All missing entries and unmatched items are investigated and actioned appropriately.

Riyadh, Saudi Arabia

Syndications and Agency Operations & Management

Karachi, Pakistan

To analyze macro economic conditions, business and industry trends, industry drivers & evaluated specific customers as per established risk acceptance criteria of the bank To facilitate and coordinate independently with Regional Offices (Oman, Bahrain and UAE) with respect to credit risk management To ensure credit is in line with the rules and regulation of government regulatory bodies as well as bank’s credit policy To achieve timely processing of credit proposals (corporate/retail lending, trade finance, term financing, cash-flow based lending, secured lending) as well as consumer product programs To perform financial analysis and forecasting of financials of the customer via information provided To ensure proper monitoring of the client at post disbursement scenarioInitiative: Planned & initiated customer-wise commercial credit portfolio MIS

Karachi, Pakistan

Analyzed the Balance Sheet, Income Statement including details of the profitability of various business segments Initiated and designed spreadsheet model to comprehensively analyze the annual performance of commercial banks operating in Pakistan based on CAMEL and Moody’s analyses Developed financial models to facilitate the annual budgeting and projection exerciseFacilitated, coordinated and monitored the annual budgeting & projection exercise at the Bank level comprising various business groups and Head Office cost centres Prepared monthly performance reports for Domestic, Overseas and Total Bank Operations Preparation of Key Performance Indicators for management review on quarterly basis Planned and coordinated Local Area Network Installation under Operating environment of Windows 2000 Advanced Server

Karachi, Pakistan

Master Of Business Administration (M.B.A.), Finance, Gpa 3.15

Second Position in Second Semester "A" Grades in all Accounting courses

Diploma Associate, Banking