Fakhar Hayat

Experience

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  ABN AMRO Bank N.V.

  Nov 2002 - Oct 2003

  Personal Banking Officer-Personal Loans

  Active team member of assets sales department, generate cliental to meet assigned sales targets, Account opening, completion of documentation of personal loans.

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  Bolan Bank Ltd

  Nov 2003 - Sept 2004

  Credit & Trade Officer

  Initial scrutiny of L/C opening form and supporting documents, Conform SWIFT draft with LC application and allotment of LC No accordingly. Making/passing vouchers of customer/banker LC liability. Scrutiny of import documents with LC terms and conditions and advise discrepancy(s) if any, to the importer and negotiating bank. Lodgment and Retirement of import documents Making Credit proposals and managing related documentation

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  KASB Bank

  Oct 2004 - May 2006

  Credit Manager

  Preparation of Credit Proposal of SME clients, including detailed financial analysis, cash flow, risk, industrial & security analysis.Completion of charge documents, legal formalities and obtain disbursement authority from Head Office To monitor and supervise credit portfolio of the branch and take necessary actions as per bank policy and SBP prudential regulations.CIB reporting to SBP, call credit reports, data checks and confidential reports of potential borrowersResponsible for branch CAD operations Show less

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  HBL

  Jun 2006 - now

  Reporting to : Head Commercial & Retail -Risk Management.Responsible for Credit Risk Management at regional level, Key Performance Indicators (KPI) includes credit approval under delegated Approval Authority and recommend to next level beyond delegated authority, while ensuring that bank’s credit assets are protected from undue credit risk.To carryout detail and thorough financial analysis of credit proposals, review credit applications, evaluate credit risk, repayment capacity, adequacy / enforceability of collateral and take credit decisions as per bank policy and SBP prudential regulationsFacilitation to build-up of quality credit portfolio, with significant proportion of credit limits in the ‘Low & Medium Risk’ category. Implementation of credit policy, processes, procedures and central bank regulations. Periodic review/monitoring of overall region’s portfolio, identification of early warning signals, monitor and report any credit risk limit violation.Timely processing of credit proposals within stipulated TAT with ultimate objective that credit requests are attended in an efficient and timely manner. Effective communication with CAD (Credit Administration Department) and Business Function for quick resolution of issues and timely decision makings.To provide guidance and feedback on credit limits structuring and appropriate credit presentation to business line management, support business to curtail NPLs/Exit from weak Show less Managed team of 3 Relationship Managers, answerable for Business Growth (Assets, Trade, Deposits, Cash Management Mandates and FX Revenues)Develop appropriate selling including cross-selling approaches to potential & existing customers to facilitate achievement of the business plan. Maintain relationships with customers to increase knowledge of customer situation & enhance business opportunities.Supervise preparation of Credit Proposals and assess the customer’s need; obtain approval for proposals that will meet the bank's criteria & customer needs and comply with the approval policies, procedures and norms to protect the Bank & customers' interests.Relationship Management with respect to: Syndicate Financing, Project Financing, Letter of Credit LC, Import Financing, Export Financing, Short Term, Term Finance, Leasing, Central Bank based financing, Guarantees, Liability products including cash management solutions.Supervise analysis of company’ financial statements including Preparing Spreads, Cash Flow Analysis, Ratio Analysis, Making Financial Projections, Sensitive Analysis and analyses of feasibility of Projects etc.Conduct periodic meeting with clients, factory visits, calls, stock inspections etc.; Submit call report, business report and goals update report. Study an industry data, assessing current trends in business practices.Frequent liaison with Credit Risk Management, Trade Finance, legal department, Credit Administration department, Treasury, FID and other banking division to provide necessary service to customers.Pursue doubtful debtors and NPL cases for recovery of assets & their installments, including meetings with legal counsel wherever necessary. Execute and supervise litigation matters till the recovery. Show less Management of Credit Portfolio of Commercial Clients from Different Sectors i.e. Steel, Textile, PMC, Chemical, Leather, Real Estate, Information Technology etc. Marketing the approved products of the Bank to those customers who fall within the risk strategy and marketing plan as approved by the management of the Bank.Regularly meet clients and get first feedback, also facilitate day-to-day transactions of the clients & arrange management level meetings of the customers. Closely monitoring of customers trade volume/ancillary business etc to achieve profit targets Show less

  • Regional Risk Manager

    Oct 2021 - now

  • Regional Head Retail Lending

    Jan 2020 - now

  • Regional Risk Manager

    Apr 2013 - Dec 2019

  • Team Leader

    Feb 2009 - Mar 2013

  • Relationship Manager

    Jun 2006 - Jan 2009