Faizan Khan

Experience

• 

  Faysal Bank Limited

  Jan 2007 - Dec 2013

  Senior Credit Risk Analyst (Commercial /SME & Consumer)

  - Credit Proposal Analysis: Processed and analyzed credit proposals, scrutinized titledocuments, and presented proposals for sanction or approval, ensuring thorough evaluation and compliance with internal standards.- Financial Statement Review & Portfolio Monitoring: Conducted in-depth analysis of financial statements, monitored the credit portfolio using computer-based systems, and initiated queries for RA’s, IOM’s, and Offering Sheets to maintain portfolio quality.- Risk Analysis & Regulation Compliance: Performed comprehensive risk analysis, balancing risk identification, measurement, monitoring, and control, with a strong understanding of SBP’s Prudential Regulations and FBL’s Credit Policy Manual for SME, Corporate, and Commercial lending.- Overdue Accounts Management & Reporting: Monitored overdue and classified advances, followed up on recovery of principal and markup, processed right-off waiver requests for classified accounts, and prepared detailed monthly and quarterly credit reports.- Foreign Remittance Processing: Managed inward and outward foreign currency remittances, including special drawing arrangements, ensuring timely and accurate processing for all branches within the region.- Documentation & Compliance: Handled the completion of security documentation, managed foreign currency accounts, and ensured full compliance with Faysal Bank’s SOPs, SBP regulations, and other relevant regulatory requirements.- International Settlements & PAD Management: Scrutinized and retired Payment Against Documents (PADs) and facilitated methods of international settlements, coordinating closely with branches for smooth execution.- Audit & Reporting: Generated and reviewed all relevant daily reports from the system, maintained a positive internal audit rating with minimal audit objections, and ensured adherence to internal policies and procedures. Show less

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  Meezan Bank Limited

  Dec 2013 - Dec 2022

  Credit Risk Manager (Commercial & SME)

  - Credit Approval Authority: Served as the final approving authority for the Regional Credit Committee, evaluating and approving funded and non-funded loans within the Commercial and SME portfolios, ensuring alignment with credit policies and regulatory standards.- Risk Assessment & Credit Evaluation: Conducted comprehensive risk assessments, credit evaluations, and financial analyses for various lending proposals to assess client creditworthiness, ensuring compliance with legal and regulatory requirements.- Portfolio Risk Management: Provided strategic assistance in managing the credit portfolio by identifying risks, monitoring credit exposure, and recommending management actions on problematic cases and portfolios.- Policy Review & MIS Reporting: Reviewed and validated product policies and procedures with a focus on risk control, while also overseeing portfolio health through analytics, MISreporting, and trend analysis related to loan and borrower characteristics. Show less

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  Askari Bank

  Dec 2022 - now

  Unit Head Credits (Corporate & Investment Banking)

  - Credit Risk Management: Spearheading the credit risk review and recommendation of corporate financing proposals, ensuring alignment with delegated authority limits while assisting the Country Credit Head in final approvals.- Policy & Procedure Validation: Reviewing and validating new and existing product policies and procedures, focusing on risk identification, assessment, and control measures. Relationship Management: Establishing and maintaining robust relationships with relationship managers and business customers, providing expert assistance in resolving customer challenges.- Regulatory Compliance & Reporting: Preparing and overseeing financial and regulatory reports, ensuring compliance with legal and regulatory standards, and coordinating the approval process for credit lines and financial instruments. Show less