Lahore District, Punjab, Pakistan
Banking professional with over 15 years of experience, currently serving as Assistant Vice President – Credit Documentation, with proven expertise in credit operations, documentation integrity, and risk control. I hold certifications in CAMS Fundamentals (AML) and Islamic Trade & Asset Products (UBL Ameen), equipping me with strong knowledge of regulatory frameworks, AML concepts, and Shariah-compliant banking. Known for my focus on governance, process efficiency, and audit readiness, I consistently deliver results that align operational excellence with evolving compliance standards.
Handling credit documentation portfolio of Investment banking for PKR 76 Billion and Corporate (Conventional & Islamic banking) for PKR 120 Billion Oversee the meticulous preparation and review of credit documentation, ensuring accuracy, completeness and compliance with internal policies and regulatory guidelines. Conduct due diligence to verify information provided by customers, meticulously scrutinizing documents to ensure they are harmonious with credit requirements. Collaborate with credit analysts to evaluate creditworthiness, diligently analyzing financial statements, cash flow projections, and collateral valuations to assess risk. Assist in the development and implementation of robust risk management frameworks, making sure that our credit portfolio remains in perfect harmony. Collaborate with legal and compliance teams to interpret and implement credit-related policies, keeping our institution's practices in tune with industry regulations. Prepare insightful and comprehensive reports on credit portfolio performance, highlighting key trends, risks, and opportunities to senior management. Collaborate seamlessly with various stakeholders for harmonious teamwork Strong analytical skills with the ability to assess credit risks and make sound decisions. Exceptional communication and interpersonal skills to effectively collaborate with diverse teams. Examination of financial transactions and credit history and in-depth analysis of collateral offered for the security to avail financing facilities. Reviewing facility offer letters and relevant documents Ensure accuracy of data being presented to various stakeholders including senior management Review of insurance policies to ensure that all the risks as per policy are covered or otherwise approvals are held. Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
Responsible for handling portfolio of Corporate and Investment Banking Group. Monitoring and mitigating bank's operational risk. Direct interaction with the customers in resolving their queries regarding transactions and documentation. Monitoring of syndicate and project finance documents.
Direct interaction with the customers in resolving their queries regarding transactions and documentation. Responsible for handling portfolio of Islamic, Corporate and Investment Banking Group. Participated in project financing and syndicate financing on behalf of Bank of Punjab as a lead bank To review loan agreements and documentation before execution after laisoning with the lawyers. To resolve operational issues of the customers by laisoning with the different departments. Monitoring preparation of offer letter, documentation as per approval terms and bank policy. Monitoring and reporting of pledge of stocks at customer premises or at third party godown. Monitoring of exception reports on a periodical basis to ensure that facilities availed are within limits, competent authority has duly approved excesses and irregularities are rectified without delay.
-Evaluation and Processing consisting of security and documentation of credit approvals comprising fund/non-fund-based facilities of Corporate, Commercial &SME customers in the light of SBP’s Prudential Regulations, Bank’s credit Policy and other statutory requirements. -Ensures perfection of the charge documentation by registering them as per competent authority policy -Review of property documentation (Revenue Record, Society, Authority, Industrial, Commercial and Agriculture) and creating charge where applicable -Monitoring of exception reports on a periodical basis to ensure that facilities availed are within limits, competent authority has duly approved excesses and irregularities are rectified without delay. -Completion of all Pre – Post sanction/disbursement formalities -Scrutinizes the approval of credit facilities and issue the offer letter to existing and prospective clients laying out the terms and conditions of approvals as per procedures prescribed in this regard -Responsible for the return of duly accepted letter of offer by the clients and timely completion of securities in liaison with the Account Relationship Managers -Monitors exception reports on a periodical basis to ensure that facilities availed are within limits, competent authority has duly approved excesses and irregularities are rectified without delay. -Monitoring the stocks under bank's pledge and hypothecation. -Checking the insurance policies are in accordance with the Approvals and Bank’s policy. -Verification of customer signatures on the executed documents in terms of the source documents / power of attorney held on record, to ensure authenticity and legal enforceability. -Preparation of discrepancy reports to Zonal Heads and Area Heads on bi weekly basis.
·Collect need full information and details related to post paid request of the customer. ·Reviews and evaluates the periodically to minimize credit exposure. ·Reporting the findings of the customer to senior management. ·Monitor and report changes in credit quality. ·Ensure that the information provided by the customer regarding current financial information and that the information has been properly analyzed and on file. ·Maintain and follow a list of prospective customers. ·Negotiates terms and conditions of Corporate Sale persons. ·Communicates final deal structure, pricing, terms. ·Co-ordination for discrepancies resolution with Sale Department ·Company visits for credit analysis with along with sales team ·Processing of security waivers from both direct and indirect sales channels
-Prepares asset, liability, and capital account entries by compiling and analyzing account information -Documents financial transactions by entering account information -Recommends financial actions by analyzing accounting options -Summarizes current financial status by collecting information, preparing balance sheet, profit and loss statement, and other reports -Maintains accounting controls by preparing and recommending policies and procedures -Guides accounting clerical staff by coordinating activities and answering questions -Reconcile financial discrepancies by collecting and analyzing account information -Secures financial information by completing data base backups -Prepares payments by verifying documentation, and requesting disbursements -Prepares special financial reports by collecting, analyzing, and summarizing account information and trends