Manager Management

Wajahat Bokhari

****-** ********* ***, *******, ON, M2M 4K9, Canada.

Cell: 647-***-****; Home: 416-***-****. E-mail: ***************@*******.***

SUMMARY

Over 30 years of versatile experience within the credit and corporate banking world with core competencies in marketing

of large institutional credits, independent auditing/examination of credits, adjudication of corporate credits and credit

administration. Managing and mentoring people with skilful leadership for teamwork. Literacy in computers with a focus

on systems, ACBS, MS–Word, Lotus Notes and Microsoft Outlook.

WORK EXPERIENCE

October 2010 – December 2013 Banque Saudi Fransi (BSF), Saudi Arabia (CA-CIB Group, France)

Position: Unit Head Portfolio Review/Post Loan Reviews & Monitoring

Independent assessment of Portfolio Quality (PQ - inclusive of assessing accuracy of credit risk ratings and credit quality,

concentration in non-investment grade and in economic sectors, developments in industry sectors etc) of the credit risk

portfolios that are in the domain of various Strategic Business Units (SBUs) of BSF;

Concurrent with the review of PQ, an assessment of Credit Management Processes (CMP - inclusive of compliance to

BSF credit policies and procedures, regulatory requirements, portfolio planning and execution, risk recognition and

management, credit approval compliance, quality of credit presentations, loan documentation, on-going loan

administration, internal credit control systems, organization, staffing and management information systems) of the SBUs.

Completion of Review Reports designating PQ and CMP with recommended solutions for enriching PQ and refining

CMP.

Authored:

a) The Policy & Process Manual for Portfolio Review and Credit Risk Monitoring;

b) Economic Sector Report for Policy foundation.

May 2006 – October 2010 Banque Saudi Fransi (BSF), Saudi Arabia (CA-CIB Group, France)

Position: Regional Credit Risk Manager, Central Region of Saudi Arabia

• This position is responsible for Adjudication/Underwriting, management and control of credit risk element in the

lending activities emanating from Central Region Strategic Business Units, which include Corporate Banking Division,

Commercial Banking Department, and Financial Institution Department. The applications are appraised for large

conglomerates and corporations (public and private), also those requiring local and overseas syndicated deals, financial

institutions, small and medium commercial enterprises and individuals.

• Approved commitments exceeded U.S. $ 15 billion for corporate customers in the Central Region. These reflect

the financial needs of large civil contractors (infrastructure and commercial real estate development), oil, gas and energy

projects, chemical and pharmaceutical ventures, automotive sector, electronics, commodity trading (foodstuff and

precious metals), communications and other service oriented companies.

• Dimensions of the job necessitate identification of crucial risk factors (financial/cash flow, management, industry,

market position, track record, and securities) in order to facilitate circumspect decisions, detection of prospective problem

credits for classification and to initiate early remedy processes with an ultimate objective to avoid loan losses.

• The job also involves the approval process for establishing Country and Financial Institution internal

limits/exposures using the CAMELS (Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity to Market

Risk) analysis plus taking into consideration economic, political and regulatory environment of the countries where the

banks operate.

April 2004 – April 2006 Canadian Imperial Bank of Commerce (CIBC), Toronto, Canada

Position: Manager Credit Monitoring/Administration for U.S. Corporate Credit Portfolio

• Managed Credit Administration work for U.S. Corporate Credit Portfolio (large syndications, real estate, leasing and

special loans) to ensure strict control over processes and data integrity of Advanced Commercial Banking System (ACBS)

with an overall objective of eliminating any prospects of operational losses and to accurately reflect capital allocations and

attribution of revenues and assets to correct businesses.

• Monitor and coach Analysts to extend quality and timely service within the realm of approved credit terms, credit

policies and procedures. As a Subject Matter Expert assume a role of facilitator in dealings with Relationship and Risk

Management to enhance operational risk management.

• Review of credit packages to ensure all programming in ACBS is correct (product type and credit limits, risk

ratings, maturities/annual review dates, capital allocation, covenants, security and pricing etc) and monitoring is in order.

• Application of skill and knowledge around credit products, processes and credit analysis for cultivating a culture

of continuous process improvement and to encourage all members to think “outside the box” at all times in order to make

operational improvements and enhance the effectiveness of credit monitoring and risk controls.

• Participation in internal and external initiatives/projects aimed at minimizing operational risks and support CIBC

committees and external groups.

Aug 1999 – Jan 2004 Banque Saudi Fransi (BSF), Saudi Arabia (Credit Agricole Indo – Suez (CAI) Group)

Position: Regional Credit Risk Manager, Central Region of Saudi Arabia

• The description of most of the work is as stated for the period May 2006 – October 2010

Sept 1994 – Apr 1999 Mashreq Bank (MB), Dubai, U.A.E

Position: Country Manager, Nairobi, Kenya

• Management of assets and liabilities for Mashreq Bank in Kenya, with the assistance of 5 managers and 25 staff

members. Primary focus was on enhancement of the Corporate/Commercial Bank assets and liabilities portfolios with

strong emphasis on management of risk. Target market consisted of multinational and top tier local companies for import

and export financing.

• Initiated relationship with 6 top multinational companies operating in Kenya.

Position: Assistant Vice President, Credit Review Dept – 3 years (Risk Management Division), Dubai

• Assessed Portfolio Quality (PQ) and Credit Management Process (CMP) of Corporate and Retail Banking Units

of Mashreq Bank. Determined risk level/rating of PQ and CMP of 12 overseas units, those within UAE also included

Financial Institutions, Treasury and Investment Divisions.

• Led several on-site reviews in my capacity as Exam Manager.

Jan 1988 – Sept 1994 Middle East Bank (MEB), Dubai, U.A.E

Position: Senior Account Manager, Abu Dhabi Branch

Managed a portfolio of U.S.$ 80 million in approved commitments in oil & gas and construction sectors.

Position: Manager Corporate/Commercial Banking, Colombo, Sri – Lanka

• Managed fund-based risk assets of SLR 890 Million with focus on import and export financing.

Position: Manager Corporate Banking, Sharjah

• Marketed financially strong commercial names for credit facilities to evolve a sound portfolio.

Mar 1986 – Oct 1987 Banque Indo – Suez, Lahore, Pakistan

Position: Head Credit Department

• Responsible for developing the bank’s Lahore Branch portfolio, largely for import and export financing.

Breakeven was achieved within 8 months.

Aug 1983 – Feb 1986 Grindlays Bank Plc, Lahore, Pakistan

Position: Credit Officer/Analyst, Credit Department

• Financial analysis and management of risk relating to several large corporate companies.

EDUCATION

Master of Business Administration MBA, (1981) – Quaid-e-Azam University, Islamabad, Pakistan

Major in Finance. Remained on Dean’s list and obtained merit scholarship for 2 semesters

Bachelor of Arts, (1976) – Government College University, Lahore, Pakistan

Major in Economics and Statistics

COURSES COMPLETED

Intermediary Credit Course, Grindlays Bank.

Management of Foreign Trade & Guarantees, Grindlays Bank.

Credit Skills Workshop, Banque Indo – Suez, Bombay, India.

Total Quality Management TQM, Mashreq Bank, Dubai.

Credit Course on Derivatives, Dubai.

Managers Matter Module I and II, including Situational Leadership II, CIBC.

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