Ijaz Chauhdry

Experience

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  Union Bank Limited - Pakistan

  May 1996 - Jan 2002

  Unit Head, SME

  Joined Union Bank Limited as Management Trainee. After successful training at its Academy at Lahore, I was posted at Islamabad Branch, where I rose to the level of Unit Head of SME Group at the time of leaving. For 1st year in Islamabad branch, I also worked in Foreign Trade Operations and Credit Administration.Major Responsibilities• Leading a team of Relationship Managers to achieve assigned/ budgeted targets for Business growth,• Managing & monitoring Risk Assets Portfolio of the Branch in line with institutional standards of quality and profitability.• Exploring new avenue for business growth, deepening of existing business relationships and soliciting new clients,• Analysis of client’s financial health, business and industry, and identification of inherent risks associated with a particular credit,• As a member of Regional Credit Approving Committee, analyzing Credit Proposals with respect to institutional profitability, quality, and risk acceptance standards and SBP’s Prudential Regulations, Show less

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  SME Bank Limited

  Feb 2002 - Apr 2003

  Provincial Risk Manager

  This position directly reported to the Divisional Head-Risk Management Division at Head Office, Islamabad. Area of operation included whole of the NWFP Province and Northern Areas, with an assets portfolio in excess of Rs. 5,000 million. Also performed duties of Head-Risk Management Division in absence of Head-RMD at Head Office Islamabad. I was also part of the committee formed by the Bank to coordinate with State bank of Pakistan (Pakistan’s Central Bank) for development of Prudential Regulation for SME sector.Major Responsibilities• As compulsory member of Provincial Credit Committee approve credit proposals up to Rs. 2 million,• Review and analyze asset portfolio of the province periodically and draw strategy in consultation with Provincial Business Development Chief for business growth and recovery,• Structuring and implementing program lending schemes, which ensured smooth loan sanctioning to different industrial clusters e.g. Gems & Jewelry, traditional fabric weaving, furniture, carpet weaving etc. Show less

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  Bank Alfalah Limited

  May 2003 - now

  Responsible for supervising and managing the corporate portfolio of Islamabad Region having Average Funded Outstanding of PKR 25 billion and Average Non-Funded Outstanding of PKR 20 billion.Major Responsibilities• Maintaining relationship management with all the corporate customers across different economic sectors like power, cement, fertilizer, steel etc including the maintenance of close contact with all the key management persons of the customers.• Supervising of all the functions of the corporate banking branch.• Assisting the customers in raising money for their long term and short term needs and arrange to provide array of services including investment banking solutions, trade and structured finance solutions and treasury and FX related solutions.• Interacting with the top management to discuss financial analysis of current and future numbers, macroeconomic fundamentals and sectoral issues impacting the customer and their future strategy and plan.• Monitoring strict compliance with internal policies and SBP regulations.• Supervising team of relationship managers and team leaders while keep them motivated and getting best out of them. Show less • Leading Corporate Banking team of CIBG, North to achieve assigned business development and revenue generation goals, • Managing corporate banking assets portfolio of the area in line with institutional standards of quality and profitability. • Maintaining and furthering relationships with existing clients and soliciting new businesses, through extensive client coverage, customer interaction and communication.• Structuring corporate financing proposals to conform with regulatory and legal requirements, in consultation with customers, legal council, regulatory agencies etc.,• Motivating and encouraging team members and Relationship Managers in selling and cross-selling a suite of corporate products and services for business development and assessing business, financial and economic risks relative to each customer and financing proposal.• Monitoring health of the portfolio through regular reviews, customer visits and market vigilance. Ensuring corrective measures are taken timely to check any weakness in the portfolio. Follow up and drive the recovery efforts for Watch-list and Non Performing accounts. Oversee the litigation process through regular liaison with Bank’s legal counsel and Special Assets Management Group (SAMG).• Maintaining liaison with Investment Banking Group of the Bank Alfalah and other Banks in the region for arrangements for debt/ equity financing for Corporate Customers for acquisitions, mergers, expansion, initial project set-up etc., Show less Islamabad Branch of Bank Alfalah Limited had an assets portfolio of Rs. 8,000 million, and generates an annual trade and guarantee business of over Rs. 15,000 million. Portfolio includes Government of Pakistan, Public Sector Enterprises, Financial Institutions, Blue Chip corporate belonging to reputable local business group, local and multinational companies operating in telecom, cement, real estate, textile and oil & gas sectors etc. Composition of assets includes Privately Placed Term Finance Certificates (TFCs), Syndicated Medium & Long Term Finance Facilities, Structured Trade Finance, Bill Discounting, Short Term & Running Finance Facilities, Stand by & Documentary Letters of Credit etc.Major Responsibilities• Leading Credit & Asset Marketing team to achieve assigned business development and revenue generation goals for both assets and liability • Managing corporate and SME risk assets portfolio of the Branch in line with institutional standards of quality and profitability. • Maintaining and furthering relationships with existing clients and soliciting new businesses, through extensive client coverage, customer interaction and communication.• Structuring corporate financing proposals to conform with regulatory and legal requirements, in consultation with customers, legal council, regulatory agencies etc.,• Motivating and encouraging team members and Relationship Managers in selling and cross-selling a suite of corporate products and services for business development and assessing business, financial and economic risks relative to each customer and financing proposal. Show less

  • Chief Risk Officer

    Jan 2021 - now

  • Country Credit Head

    Jul 2019 - Dec 2020

  • Regional Head, Islamabad

    Nov 2013 - Jul 2019

  • Area Manager, Corporate & Investment Banking Group

    Oct 2008 - Oct 2013

  • Manager Credit/ Team Leader

    May 2003 - Sept 2008