Muhammad Junaid Jamshaid

MUL is parent company of several projects water desalination projects (utilities) operating in middle east, Africa and Europe under Public Private Partnership model. The role includes primarily dealing with corporate loans, Trade Finance as well as cashflow forecasting.

Senior Treasury Associate at Metito Utilities Limited (2022-11 – Present)

MUL is parent company of several projects water desalination projects (utilities) operating in middle east, Africa and Europe under Public Private Partnership model. The role includes primarily dealing with corporate loans, Trade Finance as well as cashflow forecasting.

• Maintaining relationship with banks in UAE and Europe. These include routine bank for the Holdco as well as bank accounts in foreign countries relating project finance and equity bridge loans.
• Part of negotiations along with project finance and sponsor treasury teams with banks to discuss facility agreements for sponsor as well as project companies.
• Proposing management on acceptable loan facility agreements including pricing, collateral management, acceptable level of covenants post comparison with available offers from banks.
• Raising and closing Guarantees-Bid Bonds, Performance Bonds, Development Bonds, SBLC as well as any amendment thereafter.
• Arranging Hedge agreements (Interest Rate Swap) for all loans raised for all sponsor and project related loan facilities and ensuring bank credit and debit is made properly in with Hedge agreements.
• Ensuring facility loan repayments are made on time with correct calculations.
• Updating senior management through multiple reports reflecting current outstanding, due repayments, securities etc.
• Routine monitoring of covenant as well as review of covenants calculations for all sponsor and project loans.
• Cash flow forecasting at sponsor level after taking into account all key cash inflows and cash outflows.
• Bank balance report for all projects and Holdco keeping management update on latest cash balances.
• Supervising in processing of payments for Holdco and its subsidiaries
• Developing bank reconciliation monthly as part of the standalone closing process.
• Handling debt facility arrangements with the group treasury team and banks
• Maintaining reports for MUL debt facilities

Credit Risk Review Analyst at Allied Bank/Bank of Punjab (2019-09 – 2022-11)

• Industry Analysis-Research & Sector to Sector Analysis.
• Financial Statement Analysis-A top to Down Approach focusing on Profitability/Liquidity/Leverage/Investor Ratios/Cashflows of company.
• Reviewing Financial Models/Projections pertaining to obligors.
• Due Diligence- Thorough risk assessment of borrower and all associated risks.
• Risk assessments- Credit Risk, Management Risks, Technology Risk, Central Banks guidelines, Credit Documents, Internal Reports of Company's financial position.
• Credit Risk-Analysis of Company's requested Debt/Trade Facility and its existing Debt structure (Trade Finance/Short/Long Term/Financing/Leverage), ability to payback, offered collateral along with margin, prior Account Performance, if any.
• Report Writing- Sophisticated Audit Reports, NPL Reports, Enterprise Risk Report and Fortnight Economic Bulletin. (Presented at Audit Committee, Board and senior level management)
• Audit of Corporate & Investment Banking Group and Risk Management Department.
• Issuing Audit Certificates as required by Central Bank (Renewables Loans/TERF/Foreign Exchange Loan.

Reporting Analyst-Financial at TRG (2016-10 – 2019-03)

Reporting to "Director" and Responsible for following, but not limited to:

• Maintaining & Reporting of "Portfolio of Clients", analyzing reasons for its Profit & Loss variations.
• Preparing Financial Models (Projections) & Feasibility Reports for Managed Information Technology Projects.
• Developing/Analysis of controls pertaining Business Models, Process Management. Controls and later on performing monthly compliance checks.
• Performance Auditing, Designing SOPs and Internal controls for ongoing Projects. Making Business Proposal for prospective Business clients Pre-Sales.
• Stakeholder Management (Internal & External).
• Raising Monthly Invoices for Clients via Finance.
• Leading a small World Bank Project-3rd Party Compliance. (2 Resources)

Audit Intern at PwC Lahore (2015-05 – 2015-07)

During my experience with PwC-Lahore, I have audited several items of Financial Statement's I/S and BS to confirm that they give "True and Fair view" in accordance with International Financial Reporting Standards (IFRS) and International Auditing Standards (IAS).

• Honda Atlas Pakistan
• Pak Arab Fertilizers Limited
• Coca Cola Export Corporation

B.Sc. (Hons.) in Applied Accounting – Oxford Brookes University (2013)

Masters (2015)