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概要
A committed team-player with nine (09) years of rich and diversified experience in the financial sector with proven track record of achieving progressive goals in high pressure environments. Presently working as Relationship Manager at the Corporate and Investment Banking Group of one of the largest financial institutions in the country, tasked with handling a portfolio of top-tier government clients and blue-chip corporates diversified across major sectors of the economy.
Well-acquainted in project infrastructure financing, treasury operations, budgeting and financial statements analysis. Previously possessing rich experience in branch banking in elevating roles and well-versed in branch accounting mechanisms and systems.
Graduated in MBA with majors in Finance and also hold CFA (Chartered Financial Analyst) charter.
工作经历
Relationship Manager - Corporate Banking
• Conducting buy-side research on bank’s well-diversified equity portfolio worth PKR 18.0 Billion (≈ USD 180 Million), with extensive coverage of blue-chips and select companies listed on the KSE (Karachi Stock Exchange)
• In-depth coverage encompassing Banking and upstream Oil & Gas (Exploration & Production) sectors employing top-down / bottom-up approaches, with concentration on large-cap stocks
• Building comprehensive spreadsheet-based financial models for deriving Price Targets using DDM, DCF, EV, P/E and other Relative Valuation methodologies
• Identifying undervalued securities and pitching new investment ideas to Portfolio Manager in line with Equity Investment Policy of the bank
• Assessing market news flows, updating financial models incorporating new fundamentals and advising Portfolio Manager of adjustment in Price Targets accordingly
• Providing regular input on macroeconomic indicators (fiscal and monetary), regulatory framework and interest rate direction for gauging impact on portfolio holdings
• Drafting investment proposals for presentation before Equity Investment Committee (EIC) for formulating suitable investment strategy, including strategic investments
• Identifying second-tier / small-cap stocks, indented to outperform the benchmark index in the short-run
• Initiating and reinstating sector coverages, developing viewpoints and providing periodic updates
• Spearheading in-house research write-ups, comprising Nform (brief) and Nsight (detailed)
• Liaising with Investment Banking Division, company management and other stakeholders to evaluate deal feasibilities
• Aligning sell-side consensus (bullish / bearish) on company outlook and comparing results based on revised projections
• Mentoring Junior Analysts and maintaining up-to-date research database
Credit Manager
• Undertaking comprehensive Credit Analysis and Analysis of Financial Statements of current and prospective borrowers
• Marketing and processing credit requests of Corporate, Commercial and SME (Small and Medium Enterprise) clients, performing credit investigation and due diligence
• Studying industry trends and Working Capital needs specific to the borrowers in SME cases
• Undertaking meticulous Ratio Analysis for measuring the repayment potential of the borrowers in SME cases
• Conducting cash flow analysis of borrowers in SME cases and monitoring for operating cash flow variations
• Preparing Risk Rating sheets of borrowers in SME cases and updating relevant risk metrics as prescribed by bank
• Completion of pre-disbursement formalities including legal documentation
• Ensuring that the lending covenants and special restrictions placed on borrowers at the time of financing are conformed to during tenure of the facility (asset quality monitoring)
• Ensuring the adequacy of pre-determined collateral-to-loan ratio and efficacy of securities offered
• Maintaining credit scorecards for long-term clean facilities
• Managing Credit Risk to safeguard bank's financial stake by monitoring the financial health of borrowers and recommending changes in credit rating, exposure limits and collateral status accordingly
• Ensuring that the safety margins are realized should an unlikely / adverse credit event occur
• Evaluating the credit portfolio performance periodically and performing horizontal analysis to measure growth over the base period, duly bifurcated by counterparty, tenure, amount, collateral and geolocation
• Ensuring that the funds extended to borrower are being utilized for declared purposes only to avoid misuse of funds or leakage of income issues
• Preparing credit reports and returns e.g., monthly, quarterly and half-yearly statements pertaining to advances
Credit Officer
• Undertaking Analysis of Financial Statements / KPIs of prospective borrowers for loan appraisal
• Conducting Analysis of credit proposals in light of Credit Policy Manual of the bank and KRIs
• Extending financing against commodities (Gold), paper instruments (time deposit certificates) and guarantees
• Field visits and on-site inspections for surveillance of stock in case of Running Finance / Credit Line facilities against hypothecation
• Creation of charge (mortgage registration) in case of lending against property as collateral
• Reporting of classified advances (toxic assets) to Head Office
Management Trainee
Part of National Bank of Pakistan's comprehensive Management Trainee program for eight (08) months detailed as follows:
• Tenure: Oct 2007 to Mar 2008
• Administrator: National Bank of Pakistan
• Discipline: General Banking
• Description: An all-inclusive banking training administered by National Bank of Pakistan as part of its Management Trainee mentorship program that encompassed both on-job and off-job coaching at NBP Staff College Islamabad.
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• Tenure: Aug 2007 to Sep 2007
• Administrator: The Institute of Bankers Pakistan
• Discipline: Commercial Banking
• Description: A basic level training imparted to introduce the participants to banking history and latest developments in banking sector in Pakistan. Also aimed at acquainting the participants with the essentials of key banking areas, chiefly Foreign Exchange (FEX), Credits and Operations. Constituted the classroom training arranged by National Bank of Pakistan.
Accounts Officer
• Assistance in creating the financial strategy and devicing financial models to forecast revenue stream
• Preparation of monthly / quarterly cash budgets and implementing procedures to control expenditure
• Assistance in preparation and consolidation of monthly Income Statement, Balance Sheet and Cash Flow Statement for onward submission to corporate headquarters in New Jersey, US
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