Shahzada Sultan Hamid Email & Phone Number

Pakistan

• Reviewing the credit proposals for portfolio of 5 Bln based on commercial and retail customer, initiated by the business unit in the Loan Origination System LOXON, Responsible for assessment of entire Credit Proposal to analyze the proposed credit facilitates based on nature of business, customer background, provided securities, peer analysis, industry volatility, credit rating etc. with an overall aim of mitigating the bank's risk exposure. Analysis of financial statements including cash flows, financial rations, & income streams based on turnovers & relevant documentation to assess creditworthiness of borrowers. Perform credit assessments using standardized process & ensuring comply with established/ approved credit risk policies and procedures & regulatory guidelines Implementing Risk Acceptance Criteria – RAC’s guideline & evaluate the actual amount of financing based on energy utilized for seasonal commodity businesses like wheat, cotton and rice. Write a review report briefing financial, market and industrial risks, covering the credit behavior of borrower, security margins & degree of risk in lending to clients. Identify early warning signs of financial distress and recommend appropriate actions. Ensuring compliance of covenants before closure of credit application. • Extending credit approvals up to delegated authority & recommending credit proposal to SCO where proposal limits exceeds delegated authority in stipulated TAT with ultimate objective that customer credit requests are serviced within timely manner.• Approved & Escalate problematic past-due clients to appropriate levels; propose restructured solutions as needed & actively contribute to their resolution.• Monitor portfolio performance and prepare periodic reports on credit risk exposure and market trends.• Identification & implement process improvement to increase overall department efficiency.• Support the risk department on projects as assigned

Pakistan

• Built and manage more than 80 new relationships having exposure of 1.5 Bln (F+NF) by understand clients complex credit needs.• Supervising RM’s so they carry the entire operation and execution from loan approval to disbursement.• Building assets portfolio, set sales targets for the sales force in coordination with Head SME Sales and generate leads to ensure that budgeted sales targets are met.• Increase awareness of sales team on products and markets to meet customer needs.• Appraise and recommend the credit proposals before submission to risk for approval.• Ensure timely recovery of due installments/markups and supervising recovery manager for stressed and litigation cases • Building cross sale portfolio which include credit cards and deposits relationship of PKR 1.4 Bln.• Maintain and manage the cordial relationship with stakeholders through client servicing

• Managing a portfolio of 250 or more relationships that comprise Commercial, SME, and Agri clients.• Dealing with Valuators, Lawyers, Insurance, Muccadam and, rating companies for completion of pre and post disbursement formalities. • Rectify inconsistencies in loan documentation and ensure that the credit proposal submitted by the business unit on the automated software LOS complies with regulations, legislation, policies, and procedures.• Acquiring credit approvals from the appropriate credit approving authorities, finalizing security documents, creating control documents, and uploading the documents into the e-document management system #EDMS.• Issuing the Disbursement Authorization Certificate-DAC and approved limits into CBS.• Ensuring the safekeeping of credit files, security/collateral, and control documentation in accordance with the bank's policy• Ensure that team members submit periodic credit reports to the head office and central bank promptly and within the specified time frame• Classification of accounts on objective and subjective criteria and compute the provisioning amount for classified accounts on prescribed formats for onwards submission to Central Bank.• Managing portfolio of cases transferred to Special Assets Management (SAM) Department by providing supporting to legal team as a regional representative.• Managing Portfolio of Staff finance includes House Building, Transportation and General purpose loan. ensuring that the entire process runs seamlessly from the approval of limits to the finalization of security documentation

Quetta, Baluchistan, Pakistan

Teaching experience as a visiting lecturer at IQRA University, delivered lectures to MBA and BBA students.

Quetta, Baluchistan, Pakistan

Teaching experience as a visiting faculty member in Public Sector University, delivered lectures to MBA-Banking and Finance students, a program started by State Bank of Pakistan

Master Of Business Administration - Mba, Corporate Finance, W.C Management, Security Analysis, Economic Analysis And Project Management, Cgpa 3.41

Activities and Societies: Library Council member and class representative I earned my MBA from from IQRA Univrsity, where I honed my.

Master In Economics, Econometrics, Monitory Economics, Micro And Macro Economics, International Economics, Second

Graduated from Public University with a Masters in Economics