Management Customer Service

Nadeem Khan

**** ******** **** ****, ***** Land, TX 77479

321-***-**** – **********@*****.***

February 4, 2015

Dear Sir or Madam:

I am writing in response to your job posting for Director, Credit Risk, which I believe may report to you. I

am a senior subject matter expert in credit underwriting, risk policy, risk review, credit administration, loan

recommendations, portfolio management, special assets and product development. What I have to offer is my about

18 years of hands on core credit experience, excellent management skills and a great eye for detail, all of which

should make me an ideal prospect for this opportunity.

As a veteran risk practitioner, I offer more than sufficient seniority through my current role in similar

capacity and my delegation of authority, which I have been exercising for almost 10 years now. Although my

background is primarily in credit underwriting and recommendations but my expanded responsibilities include risk

control, early warnings monitoring, credit policy and portfolio management. I have attached my résumé for your

review and would welcome a chance to speak to you sometime.

Yours truly,

Nadeem Khan

Nadeem Khan

5323 Lockwood Bend Lane, Sugar Land, TX 77479

321-***-**** – **********@*****.***

EXPERTISE PROFILE

Business Banking Lending Senior credit risk and policy executive with a Finance MBA, delegation of authority

and 18 years of hands on core commercial credit experience.

Retail & Wholesale Lending

Extensive background in credit risk underwriting, portfolio management, special

Credit Risk Underwriting

assets, credit policy, loan programs, product development & credit decisions.

Credit Administration

Expert in formulation, implementation and interpretation of credit policy in its true

Credit Risk Policies

spirit & meaningful periodic revisions in view of market & portfolio.

Portfolio Management

Expertise in complex credit risk underwriting, collateral valuation & repayment

Risk Ratings & Credit Ratios analysis based on historical & proforma cash flow analysis on commercial clients.

Working Capital Financing Skilled in portfolio management, early alerts, watch list accounts, workouts, legal and

Real Estate Mortgages remedial efforts in handling of special assets & non performing loans.

Loan Recommendations Business friendly lending partner with prudence to say no when warranted.

Proficient in matters related to risk controls, compliance & risk governance.

Risk Governance & Compliance

Capable of interacting with credit committees and board risk committees.

Special Assets & Workouts

Diverse lending experience in commercial & residential real estate mortgages.

Collections & Internal Audit

An articulate communicator, able to influence, facilitate & negotiate.

MIS & Financial Modelling

Capable of blending technical expertise with interpersonal skills.

Recruitment & Development

Results driven immaculate work ethics. Exemplary leadership skills in man

management, time management and change management.

Ancillary skills in the areas of technology, workflow management, collections,

strategy, MIS, risk review, recruitment, training & managerial responsibilities.

PROFESSIONAL EXPERIENCE

Head of Credit Risk Underwriting & Policy – Enterprise Banking, Commercial Bank of Qatar – Doha, Qatar

3 years (January 2012 through present)

Launch bank’s first structured commercial lending program & supervise the credit risk department by successfully

infusing industry best practices in Qatar’s largest private bank with 40 branches & over $30 billion in assets.

Full ownership of credit policies, lending strategy, loan programs, loan recommendations and monitoring functions.

Revise and implement credit risk policies conforming to portfolio feedback, bank’s risk appetite & market

conditions.

Exercise a personal delegation of lending authority and present larger proposals to credit committee for approval.

Maintain a practical balance between policy compliance & commercial approach on a case by case basis, as

warranted.

Render credit decisions on broad range of complex business facilities, i.e., commercial & residential mortgages,

short term working capital lines, term loans, corporate cards, equipment loans, trade finance, project finance,

mezzanine financing, construction loans, receivable financing, fleet financing, letter of guarantee & letter of credit

facilities.

Ensure accurate MRA risk ratings, appropriate facilities limits after evaluating repayment capacity through global

debt service analysis. Document salient features of each request in a credit write up, including financial analysis,

policy exceptions, approval conditions, credit ratios, collateral valuations, covenants & other due diligence

processes.

Implement risk control measures through biweekly meetings moderated by Credit and attended by Sales and

Closing, to ensure close vigilance of accounts with pending documentations, temporary overdrafts, expired limits,

issues related to collateral preservation, inadequate insurance coverage and covenant violations.

Monitor and impose approval conditions on drawdowns, receipt and routing of project proceeds and standby loans.

Preside over monthly early alert meetings, attended by the Group Chief Credit Officer, Group Head of Special

Assets and Head of Sales, to follow up and adjudicate on accounts showing signs of material adverse change.

Recommend remedial strategies in close collaboration with Special Assets and Collections to ensure bank’s best

interest.

Build rapport with the central bank to seek guidance & clarifications to ensure bank’s overall regulatory

compliance.

Engage actively with the IT in the development, testing and induction of early warnings MIS system, scorecard

based decisioning system, portfolio covenants, caps and any trends in loan approval and disbursement processes.

Foster a professional working relationship with Sales, Loan Closing and Special Assets.

Monitor active production pipeline reports & deal submission trackers to manage expectations of all stakeholders.

Report directly to the Group Chief Credit Officer and manage a team of 9 credit managers & credit analysts.

Senior Credit Risk Manager, Vice President – Wholesale Lending Division, SunTrust Bank, Orlando, Florida

4 years (January 2008 through December 2011)

Rendered credit decisions on commercial and residential

real estate mortgages, secured & unsecured term loans, real estate construction loans, lines of credit, credit cards &

other credit facilities to small business and middle market clients of this 12 th largest American bank with $180

billion in assets, operating out of 1,400 branches in 13 US states.

Analyzed sources of repayment from tax returns &

financial statements analysis, rental agreements & other personal or business income. Evaluated credit risk ratings

and core credit ratios against approved lending criteria of the bank.

Prepared credit memorandums of complex proposals,

structured terms & conditions, scrutinized borrowers & account managers, performed end to end credit risk due

diligence, processed credit decisions & issued commitment letters.

Exercised a personal delegation of lending authority and

presented larger deals submitted to the credit committee.

Worked hand in hand with loan closers, risk monitoring

and the front office as part of the ‘deal team’ strategy to optimize sharing of account intelligence and

responsibilities in cross functional teams.

Devised revisions to credit policy, lending strategy &

portfolio review criteria through internal & external feedback.

Analyzed commercial loan portfolio for reviews,

renewals, debt service, cash flow & covenant analysis.

Adjudicate on bank’s remedial activities on problem

accounts and devising a feasible resolution for all stakeholders.

Reviewed third party valuation reports to determine

collateral value & environmental risk.

Finalized risk ratings in MRA for both new money &

portfolio deals and managed workouts by restructuring practical terms to balance bank’s credit policy and creditor’s

cash flow.

Recruited, developed and supervised a team of 7 credit

practitioners on a regular basis.

Head of Credit Risk & Policy, Vice President – Brooke Credit Corporation – Overland Park, Kansas

2 years (November 2005 through December 2007)

Maintained full ownership of business banking & middle market credit risk policy & credit underwriting

framework for this $600MM community lender specializing in rural commercial lending.

Supervised credit underwriting, credit administration, credit monitoring, portfolio management, collections and

asset management functions for commercial loans, i.e., mortgages, short term working capital, project finance and

term loans.

Analyzed personal and personal tax returns, financial statements & key credit ratios, structured loan terms &

conditions, prepared credit write ups & presented larger proposals to the credit committee.

Exercised a personal delegation of lending authority and

presented larger deals submitted to the credit committee.

Launched bank’s new commercial mortgage program for financing needs of up to $10MM.

Revised and implemented credit policies, lending criterion, end to end credit risk & credit administration

workflows; provided policy, portfolio and credit underwriting feedback to the members of credit committee.

Establish surveillance of early warning triggers; monitor portfolio for optimum credit quality to reduce non

performing loans; keep past dues, watch list accounts and overdraft excesses on a short leash.

Arranged loan proceeds through partner bank syndications and securitization conduits.

Performed credit policy review on all loan requests & reviewed collateral valuation reports.

Analyzed competition to posture future credit policy, product features & marketing campaigns.

Reported directly to the CEO; managed and mentored a team of 5 credit analysts.

Head of Product Development, SME Banking Vice President Standard Chartered Bank Pakistan

1+ year (August 2004 through October 2005)

Launched bank’s first small and medium business offering under criteria based program lending approach, for this

global bank with over $500 billion in assets and its 1,700 branch network operating out of 70 countries.

Formulated product workflow, turnaround times, loan booking system & MIS reporting guidelines.

Structured and obtained bank wide approval for the ‘Product Development Document’ carrying credit policy, risk

assessment & underwriting criteria, product specifications, volume projections, market research, competitive

analysis, profitability, budgeting & forecasting for new bookings and provisions for workouts and non performing

loans.

Provided product and credit risk training to account managers; liaised with credit risk department for application

processing feedback to get approval for and made appropriate changes to the product structure.

Commercial Loan Underwriter, Assistant Vice President – Imperial Capital Bank – Phoenix, Arizona

3 years (July 2001 through June 2004) (formerly operated as Textron Financial

Corporation)

Spread and analyzed tax returns and financial statements for business cash flow, calculated key financial ratios,

prepared credit write ups, finalized conditions and presented the proposals to the credit committee for approval.

Ordered and reviewed property appraisals and prepared and issued commitment letters.

Performed annual review on a $1 billion loan portfolio to monitor repayment capacity, character and covenants.

Participated in policy & strategy reviews & managed loans on watch list and special assets portfolio.

Senior Portfolio Analyst – Bay View Capital Bank – Greenwich, Connecticut

4 years (August 1997 through June 2001) (formerly operated as Franchise Mortgage Acceptance

Company)

Monitored $3 billion commercial loan portfolio consisting of commercial loans and mortgages

for signs of early alerts.

Performed in depth financial analysis to determine key credit ratios such as debt service, leverage

and loan to value.

Actively marketed pre funded credits to partner banks for loan syndications and participations.

Negotiated with clients of non performing loans to minimize bank's losses in an event of default.

EDUCATION & RECOGNITIONS

MBA, Finance, University of New Haven, Connecticut 1997

BBA, Finance, Iona College, New York 1996

Member of SunTrust Bank's President Team Award 2010 Excellence in Service & Contribution

Employee of the Quarter Award Q4 2009, Q1 2010, Q3 2010, Q4 2010, Q1 2011

CEO’s Top 50 Ranking 2012 2013 – Commercial Bank of Qatar

APPLICATION PROFICIENCIES

Word, Excel, PowerPoint, Outlook, Access, Moody’s Risk Analyst, CLO, IBM Mainframe

PROFESSIONAL COURSEWORK

OMEGA Financial Certification; Core Credit Curriculum; Commercial Credit For Lenders; Advanced Fair Lending II;

Online Fraud Awareness & Response from Line of Business; Advanced Fair Lending I; Credit Risk Management;

Information Security Policy; Client Privacy Policy; Insider Trading; Risk Adjusted Pricing; Letters of Credit for

Importers & Exporters; Loans to Insiders; Code of Business Conduct & Ethics Certification; Corporate Compliance

Issues & Bank’s Responsibilities; Performance Letters of Credit for the Construction Industry; Enterprise Records &

Information Systems; Commercial Loan Documentation Module; Home Mortgage Disclosure Act; Listening Basics for

Better Customer Service; Fundamentals of Fair Lending; Trackable Credit Policy Exceptions; Advanced Corporate

Communication; Commercial Real Estate Lending in Post Economic Slump; Anti Money Laundering; Business

Diversity in the new Millennium; Advanced Financial Tools; Conflict Resolution Management; Total Quality

Management; Advanced Leadership Skills for Management; Advanced Commercial Lending; Fair Lending in

Commercial Banking; Budgeting & Forecasting for Lenders; Know Your Customer; Business Communication;

Commercial Real Estate Fundamentals; Cash Flow Analysis.

Contact this candidate