Azhar Mahmood
Senior Banker
Karachi
Summary
I have a strong passion for banking as a profession and aim to achieve excellence in a highly progressive organization through utmost diligence and total commitment.
Overview
24
24
years of professional experience
4
4
Certifications
Work History
Head of Commercial Credit
Bank AL Habib Limited
04.2016 - Current
- Effectively managing credit portfolio of circa PKR 45 Billion with key responsibility to develop additional critical mass and optimize business and add more sustainable revenue streams to the Bank’s income
- Successfully established a new department under the name of Channel Finance which primarily focused and aimed at developing new business line from the available supply chain of large corporate entities
- To this end, successfully concluded a breakthrough transaction of guarantee facility worth PKR 8 Billion (USD 70 Million) with an OEM
- Enhanced the portfolio by soliciting additional healthy / remunerative relationships to meet budgeted targets (NRFF, NFI & EBIT)
- Achieved asset growth of 25%
- Developed annual budgets and operational plans for the department.
Senior Team Leader – Assets
Habib Bank Limited
07.2013 - 04.2016
- Effective Credit Management of 30 commercial relationships worth PKR 5 billion (USD 50 Million)
- Achieved trade business of PKR 6 Billion with annual growth of circa 20%
- Overseen effective and comprehensive processing of credit proposals along with an in-depth analysis of borrower’s financial standings
- Effectively coordinated with internal audit and external regulatory authorities so as to minimize the incidence of negative remarks / observations on credit portfolio
- Developed annual budgets and operational plans for the business commercial center.
Regional Head South - Commercial Credit
KASB Bank Limited
09.2011 - 06.2013
- Credit Management of commercial portfolio worth PKR 6 billion (USD 60 Million)
- Implemented recovery strategies to revive delinquent / ailing relationships
- Ensured strict compliance to the quality of service delivered (Internal Service Measures) so as to meet the customer satisfaction benchmarks targeted by the bank
- Overseen effective and comprehensive processing of credit proposals along with an in-depth analysis of borrower’s financial standings
- Effectively coordinated with internal audit and external regulatory authorities so as to minimize the incidence of negative remarks / observations on credit portfolio
- Developed annual budgets and operational plans for the department.
Senior Team Leader – Corporate Credits
KASB Bank Limited
01.2006 - 10.2011
- Prepared financial & statistical analysis of borrowers, security analysis, industry analysis, and risk assessment statements
- Conducted successful business development across disparate markets to enhance the pipeline of prospective clients and to increase the deal size by promoting the entire portfolio of bank's products/services
- Conducted interviews and reviewed borrowers' applications with a view to rationalizing the structure of credit facility and securities offered there against
- Ensured credit documentation compliance to the Prudential Rules and Regulations of The State Bank of Pakistan and other regulatory authorities
- Maintained effective follow-ups on all borrowing accounts with respect to business/financial requirements and recovery of mark-up/overdue amounts.
Credit Manager (AVP)
KASB Bank Limited
08.2005 - 12.2005
- Managed a portfolio of advances worth PKR 1.00 billion
- Processed credit proposals along with analysis of borrower’s financial status and security evaluation in order to determine loan feasibility
- Developed annual budgets and operational plans for the department
- Identified early warning signals/exceptions/deficiencies with regards to the conduct of borrowing accounts
- Managed consumer loans such as auto loans, home appliance & personal loans.
Internal Auditor
Bank Alfalah Limited
04.2005 - 07.2005
- Conducted internal audit of various branches of Bank Alfalah Limited to ensure compliance to internal policies as well as regulations prescribed by the State Bank of Pakistan.
Inspecting Officer
The State Bank of Pakistan
02.2003 - 02.2005
- Inspected companies to ensure their compliance to Prudential Rules and Regulations of The State Bank of Pakistan
- Conducted full on-site inspections in areas of credits/loans and general banking of the following banks and their respective branches in Pakistan: United Bank Limited, Saudi Pak Commercial Bank Limited, ABN AMRO BANK N.V., National Bank of Pakistan.
Officer Grade III
Muslim Commercial Bank Limited
10.1999 - 04.2000
- Served in the general banking (operations) department at MCB.
Education
MBA - Accounting And Finance
Hamdard University
Karachi, Sindh, Pakistan 04.2001 - 04.1999
BBA - Marketing
Hamdard University
Sindh, Pakistan 04.2001 - 04.1997
Skills
Portfolio Development
Credit Risk Analysis
Client Relationship Management
Financial Assessment
Certification
Certificate awarded by Bankers Development Institute for attending workshop on BASEL II – Implementation in Pakistan.
Career Highlights Professional Profile
Currently Head of Commercial Banking and Channel Finance at Bank AL Habib Limited having over 23 years experience in the banking industry in Pakistan. Expertise in General/Consumer Banking Operations, Inspection / Audit and Corporate/Commercial Credits. Subject matter expert in commercial audit operations (internal and external), credit risk management, credit portfolio buildup & management, loan facility structuring, business support and financial analysis. Relationship management experience at all levels of management and stakeholders. Technically sound and keen to develop business processes, workflows and internal controls. Strong communication & organizational skills. Adaptable to fast pace and challenging atmosphere.
Personal Information
- Date of Birth: 09/27/1974
- Nationality: Pakistani
References
References available on request
Timeline
Head of Commercial Credit
Bank AL Habib Limited
04.2016 - Current
Senior Team Leader – Assets
Habib Bank Limited
07.2013 - 04.2016
Regional Head South - Commercial Credit
KASB Bank Limited
09.2011 - 06.2013
Senior Team Leader – Corporate Credits
KASB Bank Limited
01.2006 - 10.2011
Credit Manager (AVP)
KASB Bank Limited
08.2005 - 12.2005
Internal Auditor
Bank Alfalah Limited
04.2005 - 07.2005
Inspecting Officer
The State Bank of Pakistan
02.2003 - 02.2005
MBA - Accounting And Finance
Hamdard University
04.2001 - 04.1999
BBA - Marketing
Hamdard University
04.2001 - 04.1997
Officer Grade III
Muslim Commercial Bank Limited
10.1999 - 04.2000