Achievement:- Q4 2022 Summit (Best Performance) Award Winner.Job role & description:- Hybrid account management and credit underwriting role.- Deal size range of C$1 Million to C$7 Million.- Deal types varying from commercial mortgages, lines of credit, cash flow (business acquisition), letters of credit/ guarantees etc.- Total number of clients in the portfolio: ~90.

• Bravo (Best Performance) Award Winner for Q3 (May- July), 2021.• Brilliant Basics Award Winner for January, May and June 2021.

• Analyzed & adjudicated 4-5 credit deals of commercial businesses daily including requests for renewals, enhancements, deferrals and extensions with average turnaround time of 2 days.• Analysed 30 New-to-Bank proposals in 2019 and 28 in 2018, averaging 3 proposals every month. Out of these 58, 45 were recommended & approved, a credit exposure of approx Rs. 6 Bn, eq. CAD 50 Million. • Total trade business routed by the portfolio was Rs. 23 Bn, eq. CAD 195 Million and Rs. 18 Bn, eq. CAD 157 Million during 2019 and 2018.• Researched and evaluated loan applicant's financial status, references, credit and ability to repay the loan.• Identified, researched and assessed key risk elements such as borrower’s character, financial strength, credit bureau report, collateral, willingness to pay and ability to repay for the credit applied.• Assisted Relationship Managers in proposing solution to clients for addressing financial objectives such as business expansion, debt management and other financial goals.• Submitted credit and loan applications to Credit Manager with recommendations for approval or rejection ensuring that credit standards of the institution are respected.• Conducted analysis of financial statements using trend & ratio analysis techniques.• Ensured completeness of credit and loan documentation, credit notes and adherence to legal and regulatory requirements.• Conducted periodic visits to client locations to understand business operations, credit requirements and business growth plans.• Remained abreast with business market knowledge, trend, regulations and changes in credit policy and central bank regulations.• Monitored overdue accounts and forward irreconcilable accounts for collector action. • Liaised with stakeholders to expedite turnaround time for approving credit applications.

Joined as an MTO in Bank AL Habib's Management Trainee Program (Batch 29) which covered extensive training in Branch Banking Operations, Credits, International Trade, AML/CFT, Customer Relationship Management, Product Marketing, Audit, Compliance, Banking Laws & Practices and Treasury.

• Managed key corporate relationships with over 30 companies which generated spend of approx. Rs. 234 Million, eq. CAD 2 Million resulting in net income for the bank of Rs. 9 Million, equivalent to CAD 77,000 during 2015-2016• Ensured business build-up, services and productivity.• Managed the end-to-end sales & process including financial risk assessment, compliance and legal related issues, and agreement execution which ensured the potential charge volume of an account is optimized.• Developed strategies by prospecting specific industries with high spending potential.• Built and managed a strong sales pipeline as well as projections of sales performance.• Ensured Credit Limit set up at a corporate level, necessary documentation and corporate card sourcing thereafter; along with spend activation and maximum penetration.• Targeted large corporate companies of the Bank, including Wholesale, and Small & Medium Enterprise relationship across the region.• Worked with Corporate banking & Small Business Banking Group stakeholders, Credit Approval Unit, IT, back office, and branches to develop objectives, awareness and strategies to enhance card services, processing, performance tracking, and market penetration.

• Managed Commodity Trading Desk before being placed at Equity Sales (Retail) Trading Desk owing to exceptional performance.• Advised existing and potential clients about market developments and conditions.• Analyzed market conditions, conducted detailed research and valuation of stocks listed on Pakistan Stock Exchange.• Executed trades for clients.• Developed and managed HNW (High Networth) client relationships.• Provided investment advisory to clients.• Performed Technical and Fundamental analysis of the commodity market.• Developed intra-day and weekly trading strategies.• Controlled and managed daily business risk exposure and customer risk profiles.