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Credit professional

Burlington, ON, Canada
65,000 - 75,000
May 10, 2020

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Accomplished credit professional with over a decade experience of working with leading International Banks around the globe in adjudication, portfolio monitoring and credit structuring for Commercial Banking customers.

Depth of knowledge in various industries including real estate (commercial mortgages and construction financing), transportation, retail trade and manufacturing.

Developed long term working relationship with business partners including account managers to package and structure credit deals.

Proven track record in sales and business development and exceptional client relationship management by leveraging referral sources, existing clients and centres of influence (COI).

Solid track record of success in critical analysis and due diligence for medium to high complexity credit proposals.

Areas of strength and expertise include:

Audit coordination

Financial statement analysis

Credit risk analysis & adjudication

Relationship building and management

Marketing & sales

Credit & regulatory policy compliance

Risk Control Self Assessment (RCSA)



Senor Manager-Credit Risk June 2019 – September 2019

Manulife Bank, Oakville, Canada

Adjudicate credit applications in accordance with the delegated lending limits and the company’s established credit risk appetite and tolerance together with supporting documentation, to ensure compliance with Manulife's policies, guidelines, and regulatory requirements.

Provided recommendations and developed action plans outlining corrective actions to mitigate risk and exposure.

Leveraged strong organizational and prioritization skills to manage the backlog of annual reviews and new deals, while meeting all deadlines.

Senior Manager - Wholesale Credit Risk June-2015 – February-2019

Gulf International Bank B.S.C, Bahrain.

Major job responsibilities and achievements:

Adjudicated credit proposals by exercising sound credit judgement. The credit due diligence included reviewing credit reports, compliance to covenants, collateralization, financial statement analysis and proposing alternate structure to mitigate risk to ensure compliance with Bank’s credit policies.

Conducted regular credit exception reviews (i.e. expired credits, delinquent accounts, covenant breaches and document deficiencies) and monitored assigned portfolio for early warning signals; working with front line teams, exceptions were reduced by 60% (on average) within six months.

Ensured adherence to Bank’s established credit parameters including review and validation of borrower’s risk rating (Moody’s Risk Analyst) to reflect accurate risk profile of the obligors.

Revamped construction policy of the Bank which resulted into reduction of the fraudulent invoices.

Successfully spearheaded and implemented Rapid Portfolio Review triggered by reduction in oil prices. The exercise identified critical risk areas with concrete action plans and resulted in savings of CAD 150 Million (based on projected loss rates).

Team Leader Corporate Risk July-2008 to June- 2015

Bank Alawwal (HSBC affiliate), Saudi Arabia

Major job responsibilities and achievements:

Adjudicated credit application, highlighted risk, issues, mitigants and made recommendation to Credit committee for final approval whilst ensuring justifiable risk/return trade-off as per risk policy of the Bank.

Managed an annual flow of 600 credit proposals from diversified industries and operated within agreed turn around time without compromising on credit quality.

Successfully managed project to replace bank’s loan origination system (LOS) by shortlisting and implementing the new LOS by S&P. The project resulted into cost savings & improved turnaround by 15 days.

Senior Relationship Manager-Commercial Banking September–2007 to May-2008

Standard Chartered Bank, Pakistan.

Major job responsibilities and achievements:

Managed a portfolio of 80 plus customers from textile, surgical, and leather exporters.

Visited clients on-site to gain a thorough understanding of their business model and operations.

Marketed/structured credit facilities to meet targets within risk acceptance criteria and exceeded sales targets.

Senior Relationship Manager- Commercial Banking March-2003 to September-2007

Faysal Bank Ltd, Pakistan.

Major job responsibilities and achievements:

Grew sustainable revenues from existing relationships and through targeted acquisitions of high-quality customers.

Analyzing companies from industrial, structural, financial perspectives, conducting site visits, and preparing credit proposals, working closely with credit adjudication and risk to get credit approval.

Found repeated successes to rapidly be promoted from Management Training Officer to Senior Relationship Manager of Commercial Banking.


MBA, University of Central Punjab, Lahore, Pakistan (Accredited by University of Toronto)

1998- 2003

B.Com, Punjab College of Commerce (University of the Punjab), Lahore, Pakistan



Profitability and Credit Risk (Canadian Securities Institute - CSI) Completed January-2017

Analyzing Commercial Real Estate (CSI) Completed September-2019

Certified Public Accountant (CPA) 75% completed

Financial Risk Manager (FRM Part 1) Expected completion Nov- 2020


Multicultural and multilingual communications

Presentation, organization and exposition

Strong interpersonal and Communication skills

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