SANA FAROOQ

Cell: +1-647-***-****, E-mail: admcw4@r.postjobfree.com

ABOUT SPECIALTIES

Credit assessments and decision making;

Credit and risk analysis;

Critical thinking to mitigate credit risk;

Review of credit documentation;

Business development;

Customer services and relationship management;

Teamwork and reporting skills;

SCRUM certified.

WORK EXPERIENCE

Experienced, responsible and result-oriented banker with extensive experience across Retail, SME and Commercial banking credit functions. Area of expertise primarily revolves around retail lending principles for mortgages, credit cards and personal finance offerings.

First Abu Dhabi Bank (FAB), Apr.’18 till Jun.’2020

Senior Credit Control Officer –

Wholesale Banking/Corporate Banking Group, Group Credit

Reviewing corporate credit proposals and other facility documentation including facility offer letters for CBG, GRE clients for releasing limits in the system. Conducting final checks in terms of approved covenants and perfection of collateral for facility disbursement while working closely with credit remediation team. Hands on with GLCMS, MUREX and T24 core banking applications;

Circulating credit exception reports and issue risk report on daily basis for GM credit and business heads;

Ensuring smooth processing of corporate, investment banking, syndication, global market, and trade loans and working capital facilities. Responsible for PPC discounting /droppings and factoring interest rates;

Responsible for controls compliance assurance, operational risk controls across all business divisions and supporting units in managing risk;

Responsible for quarterly internal audit for the department and liaising with central bank auditors and signing off reports;

Worked on system integration and automation project Jun. 2019 to Jan. 2020. Attending dress rehearsals and testing at several locations across the bank. Assigned as a project manager for CRM, integration and agile scrum practices.

Mashreq Bank – Mar.’10 till Oct.’10

Business Development Officer – Mortgages

Sourced CAD 6.2M worth of new to bank mortgage business in six months (exceeded target);

Business development/sourcing new to bank mortgages. Promote retail banking products under cross sell arrangements.

Mashreq Bank, Apr.’09 till Mar. ‘10

Relationship Officer – SME Banking

Managing/servicing SME portfolio of CAD 62M;

Responsible for SME servicing, account opening, KYC and attracting liabilities business and cross sell function.

Reem Finance, Jun.’11 till Jan.’12

Senior Credit Underwriter/Assistant Manager, Retail Banking

Underwriter for retail portfolio of the bank including retail, mortgages, commercial and small and medium enterprises portfolio;

Specialist in fleet financing and other automobile related individual retail and Islamic SME clients;

Active participant in credit policy review and streamlining retail credit/lending processes.

ACADEMIC QUALIFICATIONS:

Associate of Institute of Canadian Bankers (AICB). Year 2006.

Higher banking diploma from Emirates Institute of Banking and Financial

Services, UAE.

BBA, Finance - Lahore School of Economics, Pakistan. – Year 2002.

REFRENCES:

Can be furnished upon request.

Abu Dhabi Islamic Bank, May ‘03 till Oct. ‘04.

Credit Analyst, Credit Risk Management Unit

Responsible for analyzing, reviewing, rectifying, calculating, and writing recommendations for all consumer loan products;

Regular communications with the branches and rendering advices related to dispute resolution, approval/decline and ratifications.

Abu Dhabi Commercial Bank, Oct. ‘04 till Dec. ‘07.

Team Lead – Retail Credit Mortgages (Joined as Senior Credit Analyst),

Managing along with two other team leads, a team of fifty underwriters/analysts with functional as well as administrative reporting;

Entrusted with credit approval authority up to a limit of CAD 350K and sign off of deviations as per the bank’s policy;

Responsible for reviewing credit applications, decision making criteria, analyzing retail applications;

Actively involved in identification and analysis of high-risk segments and activities to devise procedures for risk mitigation;

Contributed in compiling processes and credit manuals;

Attending regular meetings related to departmental issues, product development/product launches, and suggesting amendments to credit policies.

Standard Chartered Bank – Jan.’08 till Dec. ‘08

Senior Credit Underwriter, SME- Credit Business Finance

Underwrite business installment loan offerings of the bank;

Involved in supervising field visit for self-employed segment;

Approval limit of up to CAD 125,000/- (Ticket size of business installment loans);

Managing portfolio of 4,000+ company accounts.

United Bank Limited, Oct.’15 till Nov. ‘17

Senior Credit Risk Officer, Mortgages.

Credit Initiation Unit, International Risk

Reviewing and recommending applications for personal loans, credit cards, mortgages (local and international) and other retail offerings including those related to staff loans. Also, actively involved in reviewing and underwriting SME business proposals and business installment loans. Conducting compliance, extended due diligence, KYC and CDD formalities, when required;

Familiar with Islamic banking products and score cards for risk calculation;

Identifying system gaps and reviewing control mechanisms to reduce chances of fraud and to improve accuracy by the underwriters while processing applications;

Checking portfolio performance via policy restrictions (i.e. nationality, LOS less than six months restricted segment etc.). Also reviewing portfolio performance via DSA sourcing and highlighting unusual trends;

Supervised team of five underwriters. Also served as a back up to Credit Manager and supervised team of 12 staff (credit analyst and pre-screeners);

Responsible for audit review for entire retail portfolio of UAE operations.

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