Experience

• 

  Nib bank

  Nov 2009 - Aug 2010

  Assistant manager

  Cash Management DepartmentCorporate and Investment Banking Group• Carry out qualitative and quantitative analysis to evaluate credit worthiness of the borrower.• Manage credit relationships and to stay aligned with developing client needs to ensure smooth and efficient service delivery.• Raise the credit proposals to provide timely and structured credit solutions.• Liaise with banks, legal counsels and other industry players for collecting information about prospect clients and monitoring once the facilities are in place.• Ensure quality of the asset portfolio by assuring risk management measures and to ensure approval & disbursement conditions and covenants are fulfilled. • Selling Cash Management Products Show less

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  National bank of pakistan

  Aug 2010 - now

  • Structure credit facility to fulfill client requirements.• Pre-approval evaluation of securities and collateral to confirm that banks interest is fully safeguard.• Credit Risk Assessment in structuring and recommending the credit facilities related decisions.• Vetting of credit proposal as per internal and regulatory policies and procedures to mitigate the risk.• Post approval due diligence of credit facilities.• Preparation of Financing, legal, and security documents.• Ensure completion of all pre disbursement formalities.• Disbursement of credit facilities as per approved terms and conditions.• Covenant Monitoring as per approved structure.• Correspondence with other departments and legal advisors for documentation completion. Show less Manager Credit Administration – (April 2011-October 2014)National Bank of Pakistan, Credit Administration Wing, Main Branch Karachi [Manager Credit Administration (March 2012 till September 2014), Credit Administration Officer (April 2011 till March 2012)• Structure credit facility of Commercial and SME (Small and Medium Enterprises) borrowers to meet their requirements.• Carry out qualitative and quantitative analysis to evaluate credit worthiness of the borrower • Pre-approval evaluation of securities and collateral to determine the eligibility and genuineness as per bank's policies and procedures.• Post approval due diligence of credit facilities.• Preparation of Financing, legal, and Security documents.• Ensure completion of all pre disbursement formalities.• Disbursement of credit facilities as per approved terms and conditions.• Covenant Monitoring as per approved structure.• Wiring of funds• Monitoring and maintenance of Pledge accounts.• Feeding of credit limits and DP monitoring Show less

  • Investment Research Analyst

    Nov 2020 - now

  • Corporate CAD Executive

    Dec 2017 - Nov 2021

  • Corporate CAD Officer

    Oct 2014 - Nov 2017

  • Manager Credit Administration

    Apr 2011 - Oct 2014

  • Management Trainee

    Aug 2010 - Apr 2011