Manager- Grade: AVP -Corporate Credit – South/ Central -II - BANK OF PUNJAB
(2025-11)
- Assessed corporate credit proposals and recommended credit decisions based on qualitative and quantitative risk analysis, ensuring compliance with internal policies and SBP regulations.
- Liaise with Relationship Managers and Operations to ensure accurate documentation and timely processing of credit limits.
- Maintained accuracy of the risk database, performing monthly reconciliations and reporting on breach of covenants
- Revalidated financial spreads, ORR, and FRR to ensure accurate risk assessment and compliance with credit standards.
- Monitored covenants, deferrals, and limit expiries to ensure compliance and proactive credit risk mitigation.
- Prepared and submitted credit portfolio MIS reports to support risk monitoring and management reporting.
Assistant Manager- Grade: AVP -Retail- Commercial Credit – South - BANK AL-FALAH LIMITED
(2024-04 - 2025-10)
- Underwrote SME and commercial credit facilities through financial analysis, risk assessment, and credit recommendations for senior management.
- Developed covenant frameworks and coordinated with Legal and Business teams to strengthen loan security documentation.
- Supported the design and implementation of an enhanced credit risk assessment system, improving risk analysis efficiency and decision-making.
- Maintained the credit risk database, performed periodic reconciliations, and monitored covenant compliance to support effective portfolio risk management
CREDIT MANAGER - CREDIT RISK DEPARTMENT - PAK BRUNEI INVESTMENT COMPANY LIMITED
(2022-01 - 2024-03)
- Led due diligence for corporate credit request achieving 90% approval ratio from Credit Committee.
- Assisted senior manager in compiling data for IFRS 9 compliance of advance portfolio, ensuring accuracy and completeness of information as per guideline of IFRS 9 standards.
- Reviewed annually credit risk policies, procedures and underwriting guideline in compliance with regulatory requirements.
- Conduct annual review of secured and unsecured Treasury Banking Limits through details analysis of Banks and present in ALCO for approval.
MANAGER - CREDIT RISK & REGULATORY COMPLIANCE DEPARTMENT - PAK LIBYA HOLDING LIMITED COMPANY
(2018-05 - 2021-12)
- Conduct thorough credit risk assessments on loan portfolios including SME and corporate customers.
- Developed Credit risk model for SME and Housing Finance products to optimize resource utilization.
- Prepare Board level reports and presentation for Credit Committee, Risk Management Committee and Board Risk Management Committee.
- Assisted in the verification of collateral through review of supporting legal and security documentation to ensure completeness and accuracy.
- Monitor large exposure and ensured compliance with regulatory limits.
- Ensured all credit documentation and processes adhered to Prudential Standards, internal risk policies, and governance frameworks, consistent with the requirements of the State Bank of Pakistan.
ASSISTANT MANAGER EQUITY RESEARCH ANALYST - EQUITY DEPARTMENT - PAK LIBYA HOLDING LIMITED COMPANY
(2018-03 - 2018-05)
- Perform equity analysis of listed companies at Stock Exchange, including financial statement analysis, ratio analysis, and sector.
- Prepare equity research reports, earnings previews/reviews, and investment recommendations for sectors such as banking, cement, energy, FMCG, and textiles.
- Prepare presentations and investment decks for senior management and investment committees.
ASSISTANT MANAGER - CREDIT RISK DEPARTMENT - PAK LIBYA HOLDING LIMITED COMPANY
(2015-08 - 2018-02)
- Assist senior analyst in preparation of presentation and memo to Management Risk Management Committee and Board Risk Management Committee.
- Coordinate with internal and external audit teams to facilitate examinations & address findings under the supervision of senior analyst.
- Assign credit risk rating as per approved credit risk models for SME and Corporate customers.
- Coordinate with IT team to support implementation and troubleshooting of credit rating and risk assessment system.
