Manager Customer Service

FASAHAT MUSTAFA

****, * ****** ******,

Apartment 210,

Glenview, Illinois 60025

acqr3d@r.postjobfree.com

Cell: 773-***-****

PROFESSIONAL OBJECTIVE

Seeking a position of a Credit Officer in the Corporate/Commercial Credit Division of a growth-oriented financial institution; that will benefit from my professional background in the credit risk area as well as offer me the opportunity for increasing levels of responsibility and professional growth.

QUALIFICATIONS

•Possess 13 years of banking experience, comprising: 9 years in corporate/commercial credit risk, and, twenty months in credit risk review/risk asset review.

•Have had extensive experience in handling credit proposals ranging between USD 100 -200 million (both stand-alone and group exposures) from all aspects related to: working capital financing, seasonal debt, loan swaps, bill discounting, trade-financing, self-liquidating export loans, commodity financing, debt syndications, project financing, contingent financing, contract financing, term-loans, debt restructurings, special purpose vehicles (SPVs) and troubled-loans workouts, etc.

•Accurately calculate financing requirements of companies on short/long term basis.

•Have a good understanding of various structures of the credit limits and the underlying security support.

•Well versed with programmed lending and have conducted analysis/review of various Product Program Manuals (PPMs).

•In government-sponsored credit transactions, critically analyze the text of supporting sovereign guarantees for any discrepancies/gaps/risks.

•Have a good understanding of the credit processes during the initiation, maintenance, and the remedial phase.

•Have a thorough understanding of complex financial models and their underlying assumptions pertaining to various sectors (Cement, Sugar, Telecom, Fertilizer, Power, Textile, Real Estate, and Oil & Gas, etc.); and, adept at sensitizing the numbers from the standpoint of debt repayment capacity.

•Skillful at making analytical adjustments to the historical financial data after carefully analyzing the information provided in the annexed notes to the financial statements, revealing true cash generation/earning power/leverage/liquidity of an enterprise.

•Have attended important courses in credit risk management, which have added a significant value to my credit skills.

•Fully adept at handling other credit procedures, such as issuance of charge/liens registration/vacation on collateral/assets, and allowing deferrals/waivers/exceptions, etc.

•Apart from credit risk, have had exposure to all the key departments of a bank.

•Handle many tasks simultaneously, meeting deadlines on timely basis; work well under pressure.

•Possess good communication skills; both oral and written.

•Work well with all levels of people, including upper management, peers, and staff.

ACCOMPLISHMENTS

Walmart Store, Niles-Illinois, United States, Overnight Associate, April 2014-Present

•Ensured, timely availability of merchandise in the various departments of the store.

•Provided prompt customer service.

•Kept a track of shortfalls in the inventory and advised the management to take corrective measures.

The Bank of Punjab, Vice President/Unit Manager RAR, January 2012 August 2013

•Conducted a detailed assessment about the quantity and quality of risk management within the loan portfolio, the direction of risk, and how the risk in the loan portfolio affected the aggregate risk level of the institution. This also helped determine in which direction the risk (product concentration limits, industry concentration, future bad debt losses, changes and trends in adverse classification and nonaccrual, MIS, and number of exceptions to the policy/documentation, etc.) of the institution was moving. Subsequently, corrective actions were communicated to the senior management.

•During RAR exercise of various business units (agriculture, commercial/corporate, and consumer), identified gaps in credit processes ( initiation, maintenance, and remedial) and recommended improvements in many critical areas, such as: loan structure, pricing, financial analysis(Including: repayment capacity, impact of inter-company transactions, etc.), collateral adequacy, guarantor support and related financial information, guarantee exposure, risk rating, covenants, customer contact, post-disbursement monitoring, early problem recognition, and staffing. And, recommendations were subsequently incorporated in the Credit Policy Manual of the bank.

Habib Metropolitan Bank (HMB), Assitant Vice President/Credit Officer, April 2009 December 2011

•Supervised a team of qualified credit analysts, where, I was responsible for reviewing and critically assessing their analysis of credits which is based on a multitude of qualitative and quantitative factors.

•Played an instrumental role in the development of Obligor Risk Rating (ORR) system derived from a mix of quantitative and qualitative factors.

•Helped the management to identify target markets considered to be vital for the future lending strategies and the overall health of the loan portfolio of the bank.

•Worked in the remedial credit department, and assisted in the management and restructuring of troubled credits.

•Monitored the credit portfolio of a particular zone, whereby, after a thorough risk assessment of credit proposals, my recommendations were forwarded to the Credit Committee for their final action and decision.

United Bank Ltd (UBL), Assistant Vice President, Risk/Research Manager, June 2007 March 2009

•Worked in the Credit Policy Department as a Research Manager, where, I was responsible for generating in-depth reports, specifically on those industries where banks assets are deployed. This enables the higher management to gauge the level of risk attached to industry-specific credit exposures, and to chalk out future lending strategies. Also, I devised the Risk Acceptance Criterion (RAC) for the cement industry.

•Worked in the Corporate Credit Division, where I was vested in the responsibility of analyzing/recommending corporate credit proposals in the capacity of a Risk Manager, which were then presented to Senior Management for approval. Scope of my assignment also included international credit proposals.

Faysal Bank Ltd (FBL), Assistant Vice President/Credit Risk Analyst, June 2004 June 2007

After carefully analyzing the key risk aspects of various financing proposals that included debt syndications, equity financing, working capital, contingent financing and straight term-lending situations; I proposed recommendations so to keep the bank’s risk at optimal level, which in a number of cases were accepted by the senior management.

•On account on my skills and ability, the senior management gave me large complex transactions to analyze, which entailed a detailed analysis of the financial projections and other various aspects. Wherein, I identified the key variables governing the operating environment of the company under analysis that could materially affect the forecasted numbers. Thereafter, making appropriate adjustments to the forecasted financial data, which at times warranted revision of the proposed exposure that helped our Credit Committee to make a good assessment of the risks entailed in those transactions.

Askari Commercial Bank Ltd (ACBL), Credit Officer, July 2000-June 2004

•On account of my performance as a relationship manager as well as a financial analyst, I was posted to Regional Credit Risk, where I monitored the asset portfolio of three branches: this further enhanced my understanding of credit analysis as I was vested in the key responsibility of appraising and recommending loan proposals for the approval of higher authorities.

•Developed a good understanding of the structure of the financing limits and their relationship to relevant financial characteristic of the company.

•Assimilated an in-depth knowledge about securities escrowed to various financing limits and gauged the risks attached to them.

•I was being nominated by the departmental head to assist my counterparts and my senior colleagues in conducting financial analysis of present and prospective clients. This facilitated good investment decisions resulting in asset and earnings growth

•I suggested a cash flow model that depicted a better picture of a company’s debt servicing ability. Moreover, I incorporated some useful financial ratios derived from the cash flow model into my analysis and derived some useful insights about the “cash profitability” of a firm.

•Before joining the credit area in May 2001, I was nominated to attend various courses on General Banking as a part of comprehensive training curriculum.

EMPLOYMENT HISTORY

April, 2014 present Walmart Store, Overnight Associate, Niles, Illinois-United States of America,

Jan, 2012 Aug 2013 The Bank of Punjab, Audit and RAR Dept, Lahore, Pakistan,

April 2009-Dec 2011 Habib Metropolitan Bank, Head Office-Karachi, Pakistan,

Corporate Credit & Remedial Credit.

June 2007-- Mar 2009United Bank Ltd (UBL), Head Office- Karachi, Pakistan,

Corporate Credit & Credit Policy.

June 2004 June 2007Faysal Bank Ltd (FBL), Head Office- Karachi, Pakistan,

Corporate Credit & Credit Policy.

July 2000-May 2004 Askari Commercial Bank Ltd, Area Office, Karachi, Pakistan,

Regional Credit Committee.

EDUCATION

Imperial College for Business Studies, Lahore, Pakistan

Dec 1998 MBA (Finance), GPA 3.13.

Dec 1997 BBA GPA 3.43.

June1994 GCE ‘A’ Levels, British Council, Lahore, Pakistan.

June1992 GCE ‘O’ Levels, Beaconhouse School System, Lahore, Pakistan.

2001 One day seminar in General Banking Operations

2002 Passed CFA Level-I exam, 2002

2007 One day Course in Project Financing

2008 Five-day seminar in credit risk assessment for experienced credit officers

Four-day course in advanced cash flow based lending

One day seminar in Trade Finance

One day seminar in Corporate Social Ethics

Contact this candidate