Faria Yusuf

Experience

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  MCB Bank Limited

  Sept 2006 - Dec 2011

  Credit Analyst in Commercial Branch Banking Group at the Principal Office, Lahore, reporting to General Manager, with responsibilities:> Gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assist loan/credit officers in writing loan requests.> Legal documents analysis in the light of legal retainers or bank’s own Legal cell’s opinions.> Providing quality service to customers by undertaking risk assessment analysis of various types of lending proposals. > Analyzing financial information, such as statements, management accounts and cash flow statements, in line with Prudential Regulations. > Analyzing industry wise funding requirements of the client and offering best suitable credit structuring. > Assessing the credit worthiness of client companies,> Liaising with other staff within the organization, such as relationship managers and policy division for providing better and customized credit package to the clients. > Preparation of Credit proposal summary from the extracts of above all in order to get the approval from competent credit sanctioning authorities by assisting them in their decision process.> Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit. > Various report preparation and analyzing the same for onward reporting to Risk Management Group. Show less Credit Analyst at Credit Hub – Lahore, (Risk Management Group), main responsibilities:> Financial analysis to gauge the business health, its liquidity position, working capital requirement and ability to repay the financed amount.> Credit proposal and financials analysis in the light of SBP’s Prudential Regulations.> Analysis of its credit standing and market repute in the light of 3rd party market check and credit worthiness reports.> Legal documents scrutiny in the light of Legal opinion on title clearance and security documents perfection reports issued by the legal retainers or bank’s own legal cell.> Search report, to check security margins and cushion availability in concern’s assets in comparison with valuation report and financials.> On the basis of finding from the proposals and other documents review making a write up to summarize all the gathered information with the recommendation for facilities/credit package and the amounts to be offered, in order to assist the Credit Hub Head and higher management of business side to finalize their verdict.> For timely disposal of annual reviews liaison with commercial branches’ advances staff for timely initiation of credit proposals’ review process.> gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assist credit officers in writing loan requests; > providing quality service to customers by undertaking risk assessment analysis of various types of lending proposals; assessing the credit worthiness of client companies, analyzing financial information, analyzing industry wise funding requirements and offering best suitable credit structure,> Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit. Show less

  • Credit Analyst - Commercial Branch Banking Group

    Jan 2008 - Dec 2011

  • Credit Analyst - RMG

    Sept 2006 - Jan 2008
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  MCB Bank Ltd

  Jan 2012 - Jan 2013

  Credit Coordinator - Central, Product Coordinator-C4C and SME/MM Project Coordinator

  > Review & analysis of credit proposals in the light of SBP PRs, Bank’s Credit policy & practices besides clients financial strength and Industry / market trends.> Structuring of the proposed credit package as per client’s business and financial requirements.> Credit portfolio management of the 13 regions and making efforts to tighten the monitoring by using various tools so to minimizing Non Performing Loan.> Assisting Business head in his advances portfolio management & targets meeting by implementation of various tools to gage the consistent growth as per targets.> Preparing various reports, statements and trackers to analysis the advances portfolio and preparing slides / presentation for Business Head’s monthly review session to group head.> Providing quality service to customers by undertaking risk assessment analysis of various types of lending proposals; analyzing industry wise funding requirements of the client and offering best suitable credit structure / package, assessing the credit worthiness of client companies; analyzing client’s credit requests prepared by Credit analysts, financial statements and other documents, in order to assist Credit Head & Business Head to give their final verdict on the clients’ proposal/request> Close monitoring of classified accounts, restructuring / rescheduling the same for maximum recovery and reduced classified portfolio.> Making correspondence with SBP for line allocations against various SBP financing facilities, and disseminating and sub-allocating this limit region wise among CBBG.> Apart from this educating staff about SBP’s products and their applicability.> Frequent correspondence with compliance group for better implementation & observance of SBP’s guidelines and rectification of issue highlighted during their audit period and also vide their audit report. Show less

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  Bank Alfalah Limited

  Jun 2013 - Jun 2014

  Cluster Associate - Credit (Retail Banking)

  > Asset portfolio management and monitoring of 11 areas of central region. > Credit proposals' review, risk analysis and package structuring/restructuring, in line with bank's internal credit policy, SBP guidelines, Prudential Regulation, Industry overview, Business dynamics, credit worthiness, its financial health, and overall economic trends.> Sector focused lending specifically seasonal commodities, Cotton, rice, wheat etc, besides boosting to generate more from focused sector.> Gauging the NTBs and Credit Deepening to achieve the ultimate growth targets.> End to End followups of credit leads/ prospective clients and package availment pattern.> Monitoring the business concentration in various sectors in line with annual credit plan of the bank. > Cross department interactions to improve quality of work and giving feed backs and proposing amendments w.r.t. current setup and system.> Close monitoring of delinquent portfolio in line with SBP's directives and making emphasis for its reduction. Show less

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  Dubai First P.J.S.C.

  Jun 2014 - Mar 2018

  Assistant Manager

  worked as Approving authority/Underwriter - Assistant Manager Credits in Risk Management Group, reporting to Head of Credits & Collection, responsibilities include; Making approvals & Assigning limits for SME Customers in line with policy guidelines, customers’ financial requirements, & extracts of credit proposal evaluation. Providing meticulous attention & compliance to policy parameters, governments regulations & restrictions as well as industry norms while underwriting SME / consumer loans, via income/credit analysis and documentation review. Evaluation of financial strength of borrowers to determine risk and repayment capacity. Excellent follow-through with loan processors, loan originators & management throughout all phases of underwriting process. Managing the team of Data Entry, CPV, Pre-screening and credit Analysts, as well as MIS. End to End follow up of cases and quality assurance. Direct liaison & management of external agencies like D&B as well as Inhouse field visit team, assigned to issue credit reports after visiting customers offices / work places for company profiling, business analysis and to gauge market standing. Team management as well as TAT maintenance and assurance. Managing the monthly billing to external agencies for their services.Additionally;  Drafted process flow for SME department, further provided assistance in drafting SME products’ policy, besides Credit Analysis Format. Possessing dual Approval authority for SME as well as consumer loans. Show less

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  Bank AL Habib Limited

  Mar 2018 - now

  Senior Credit Risk Manager

  working as credit risk manager for corporate conventional and Islamic banking group under direct reporting to Head Corporate and Islamic banking Group Lahore