Manager Management
Resume:
Shamim A. Malik
Tel: Off: 919-***-**** /Res: 919-***-****
Cary, North Carolina Cell:
***********@*******.***
Professional Qualifications:
**** *AI Loan Review Certification- completed the first two course
requirements.
2003 Professional Banking Program with Honors- Fellow of the Institute of
Canadian Bankers (FICB).
1998 Fellow of the Credit Institute of Canada (FCI). Courses conducted
through the University of Toronto.
Won three awards including Canadian National award and Bank of
Montreal award.
1991 Associate of the Chartered Institute of Bankers, London, United
Kingdom (ACIB).
Banking Diploma with concentration on International and Investment
Banking.
Education:
2000 Post-MBA Certificate in Advanced Management- The Schulich School of
Business- York University, Toronto- Focus on Strategic Issues in the
Financial Services Industry.
1983 MBA in International Business (with Honors). Roosevelt University,
Chicago. GPA 4/4.
1981 M.S. in Accounting (with Honors). Roosevelt University, Chicago.
GPA 4/4.
Major Achievements:
. Prepared and successfully implemented the first comprehensive Credit
Review Process and Procedures Manaual at RBC Bank. This was a key
regulatory and Internal Audit requirement.
. Participated in the review of the Real Estate Markets and Builder Finance
revised procedures manuals.
. Participated in introducing the Continuous Review process for timely
detection of problems and trends.
. Designed Rik Benchmarks and Trends template for effective monitoring of
the CRE portfolio.
. Developed enterprise-wide Commercial and Real Estate Markets Credit
Policy and Guidelines.
. Participated in Borrower Risk Rating consistency and Risk Criteria
projects at GRM, RBC Bank, Canada. .
. Streamlined risk management processes resulting in improved reporting and
effective credit monitoring that significantly reduced delinquent
accounts and loan losses.
. Orinigated, analyzed and booked syndicated loan facilities significantly
increasing banks' profit.
Job History:
Nov. 2006- Senior Credit Review Officer at RBC Bank, Head Office, Raleigh
to date Credit Review Manager Builder Finance and Commercial
Real Estates
and Manager, Credit Review Policy and Procedures-
Managed a team of 3 reviewers
. Primarily responsible for Builder Finance line of business. Key contact
for Builder Finance at Credit Review, planned and led several process and
full scope reviews including Shared National Credits.
. Reviewed credits from all business lines: Commercial, Small Business,
Commercial Real Estate, and Specialized Businesses . Also participated
Continuous and Process Reviews.
. Led a number of Engagement reviews based on requests from key business
partners. Involved in several individual and team based projects.
Participated in the M & A due diligence reviews.
. Participated in asseseement of the new regulatory guidelines on Real
Esate Markets issued in Oct. 2009.
. Reviewed impaired credits as part of the quarterly FAS 114 review and
made recommendations for changes in ratings, specific reserves and write-
offs as warranted.
. File review work involved validation of Borrower Risk Ratings, Borrower
Classification and other codes, financial analysis of the borrower and
guarantors and assessment of collateral valuation.
. Developed the first ever comprehensive Procedures Manual for Credit
Review that was a key reguarlatory and audit requirement. Revised Credit
Review Policy annually..
. Managed a team of three reviewers. Set goals for team members and
performed periodic evaluations.
. Liaised with Federal Reserve/NC State regulators and internal audit for
discussions on Credit Review Policy and Procedures and was commended for
drafting a comprehensive document in a short timeframe.
. Participated in monthly and quarterly Watch List meetings for Builder
Finance and CRE.
. Wrote impactful and actionable reports for use by all key stakeholders.
Used FirstResearch and other in-house RBC sources for industy reviews and
updates. Arranged internal/external credit training programs.
. Introduced specific review guidelines for BF credits. Wrote job
descriptions of credit review officers.
July 1998- Royal Bank of Canada, Head Office, Toronto
Nov. 2006 Director, Group Risk Management, Credit (October 2005-
November 2006)
Senior Manager/Team Leader, GRM, Approval & Analysis
Group (April '01-Sept. '05)
Manager, Risk Analysis Group, GFI/Public Finance (July
1998-Mar 2001)
. Credit risk assessment, review/adjudication of Risk Assessment Framework
(RAF), and Transaction Requests from Capital Markets/Investment Banking,
Trade and Nostro Accounts. Credits included derivative products,
structured finance transactions, interest rate/currency swaps, and money
market.
. Approved credit transactions within delegated authority. Mentored risk
managers. Ensured that credit portfolio quality was within the bank's
policies and guidelines. Reviewed/recommended ISDA exceptions.
. Identified and monitored key industry trends affecting the credit
portfolio and borrowers for possible changes in risk ratings, outlook
and/or credit facilities as part of the Quarterly Industry Portfolio
Reviews.
. Participated in peer rating review meetings to discuss, review and vote
on risk ratings assigned to different industry credits in order to
validate and ensure consistent application of credit risk ratings and
benchmarks across industries. Utilized various resources including
Moody's, S&P, Fitch, FirstResearch and CreditSight.
. Managed a team of four risk managers for credit assessment/monitoring of
banks and sovereign credits.
. Recommended credit ratings and facilities to senior management
and approved certain credits within own discretionary powers.
Portfolio under management amounted to over $ 10.0 billion.
. Provided advice to account managers for structuring of capital
markets/trade/syndicated transactions.
. Ensured compliance with the group risk policies and regulatory
stipulations.
. Participated in various projects including streamlining of
Credit Risk Process and establishing Credit Risk scoring models.
Co-ordinated with IT, Global Services and Global Treasury
Services for process issues.
. Initiated and prepared credit policies in liaison with Risk
Policy department. Presented product and credit policies to the
Policy Review Committee. Reviewed credit ratings, facilities,
and processes with auditors.
. Handled credit documentation and collateral security issues. Reviewed
and recommended public finance credit transactions from the Caribbean.
June 1995- United Arab Bank, (affiliated to and managed by Societe
Generale, France)
July 1998 Risk Analysis Manager (Head of Credit) reporting to Assistant
General Manager.
. Managed and developed a team of six credit officers. Peformed credit
evaluation and monitoring of Commercial Banking, project
finance/commercial real estate, capital markets credits and syndicated
loans.
. Sourced and reviewed syndicated loans and provided recommendation to
senior management. Approved loans within delegated authority for
Commercial and Retail loans.
. Streamlined and improved credit reporting system by introducing numerous
additional risk management tools for effective and timely credit review
and administation including several exception reports.
. Performed continuous risk monitoring with all credit officers to discuss
key trends and events.
. Coordinated with audit teams from Societe General, internal risk audit,
external audit firms and regulatory audit teams in all credit matters.
Also liaised with Risk Audit and Special Loans departments.
. Recruited, developed and trained a professional team of credit and review
officers.
June 1992- Union National Bank, Abu Dhabi, United Arab Emirates.
May 1995 Manager, Corporate Business Unit reporting to the Chief
Executive Officer.
. Managed the Corporate Business unit with total assets of over US$ 545MM
and a staff of 16 officers.
. Assessed and monitored quality of the assigned portfolio for timely
corrective action.
. Analysed and recommended participations in local and international
syndicated loan transactions.
. Member, Asset Liability Committee that guided the treasury and capital
market activities of the bank.
. Reviewed investment policies of the bank as part of the ALCO member.
. Coordinated with external rating agencies for bank credit profile and
information presentation.
. Participated in various special projects: commercial credit policy
preparation, financial institutions policy and study on several industry
segments including textile and electronic industries.
. Financed various large projects including shopping malls, ship building,
and oil storage facilities.
October 1986 Abu Dhabi Investment Company, Abu Dhabi
to June 1992 Senior International Banking Officer reporting to the
General Manager.
. Established and maintained business relationships with 125 banks and
other financial institutions on a global basis.
. Recommended credit facilities for counterparts for Capital Market
products includig Money Market, Foreign Exchange, Bullion, Bond & Equity
Trading, Derivative products including Options & FRAs, CDs, Euro
Commercial Papers, Loans & Syndications, Repurchase transactions and
nostro accounts. Introduced automated financial spreadshees for efficient
bank credit analysis and review.
. Analyzed and recommended for approval various investment proposals
including commercial papers for liquidity and investment purposes.
. Monitored bank limits and exposure on a daily basis and reported any
excesses to senior management.
. Conducted annual credit reviews and quarterly portfolio quality reviews.
April 1984- Bank of Credit & Commerce/Al-Falah Bank : Dubai & Pakistan.
October 1986 Accounts Officer/Credit Officer reporting to Branch
Manager & General Manager.
. Completed a six-month of extensive academic training program encompassing
all areas of commercial banking with concentration on credit, marketing,
trade finance and treasury management.
. Performed credit evaluation, financial analysis, credit administration
and account management functions as a credit officer.
. Produced significant business from corporate clients. Performed corporate
financial analysis and perfected security and legal documentation.
Visited clients to discuss credit and to inspect inventory.
Courses/Seminars Attended:
1. In-house RMA Course on Cash Flows at RBC Bank- 2008
2. RBC Capital Markets Financial Institutions Conference- Martha Vinyard,
Sept. 2005.
3. US Bank Analysis: March 2005. Fitch Ratings, New York.
4. Risks in Derivative Products: July 2004. Fitch Ratings, New York.
5. Canadian Banking Institute's Professional Banking Program: Strategic
Thinking, Human Resources Management, Bank Financial Management,
Productivity Management.
6. Advanced Corporate Credit Workshop- Arranged by SocGen. London 1997.
7. Interest Rate Risk & Asset-Liability Management in Banks - Sept 1996.
8. Corporate Finance - 5-day course by Unique Consultants, UK. 1995.
9. Workshop on International Trade Operations - April 1994.
10. Uniform Credit Analysis-5-day course by RMA in Leesburg, USA- August
1993.
11. Export & International Project Finance - Conducted by Margaret E. Osius
of New York held at Bahrain Institute of Banking & Finance- June 1993.
12. Mortgage Backed Securities and CMOs - Kidder, Peabody & Co. - 1991.
Distinctions & Memberships:
a) Treasurer, Society for Advancement of Management, Roosevelt
University, Chicago- 1982/83.
b) Honorary Member, Beta Gamma Sigma Honorary Society, USA.
c) Secured first position at Bank Training Academy- 1985.
Other Experience:
a) Project Accountant, Roosevelt University, Chicago- 1982-83.
b) Internship with Bank of America, Lahore- Summer 1979.
.
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