M. HASSAN RAUF

Oversee RCAD operations across 7+ regional locations (Karachi/Sukkur/Hyderabad/Faisalabad/Multan/Sahiwal/Islamabad), managing a team of 50+ staff and a portfolio of PKR 320 billion (Funded/Non-Funded) across Corporate, Commercial, SME, and Investment Banking segments.

• Ensure rigorous compliance with internal credit policies and SBP Prudential Regulations.
• Implemented strengthened control systems and maintained functional coordination with Business Units to streamline documentation and minimize risk.
• Drive BCP (Business Continuity Planning), resource planning, and staff development, alongside performance evaluation using Bell Curve methodology.

Manage Credit Administration and Operations for a PKR 24 billion pre- and refinance portfolio, supporting Primary Mortgage Lenders (PMLs) nationwide.

• Oversee a Guarantee portfolio of PKR 37.5 billion, including credit guarantee schemes for low-income housing.
• Ensure end-to-end processing of refinance requests, from disbursement compliance to quarterly installment collection and arrears management.
• Maintain accurate records, MIS, and operational control of the security vault (PIBs/T-Bills valuation).

Manage a diverse Rs 137 billion credit portfolio (Corporate, IB, Commercial, SME, Agri, Consumer) for the South Region, leading a team of 50+.

• Ensured 100% legal documentation compliance and perfection of securities to mitigate bank risk.
• Supervised RCAD/EAMU operations, covering limit implementation, stock monitoring, insurance, and exception management.
• Managed regulatory compliance, including SBP inspections, eCIB reporting, and internal/external audits.
• Streamlined non-standard documentation and supervised staff loan processing.

Managed a Rs 80 Billion credit portfolio (Corporate, IB, Commercial, Retail) in the South Region, overseeing security perfection, legal documentation, and covenant compliance. Key duties included supervising portfolio risk, audit coordination, disbursement authorizations, and reporting to Head Office while ensuring compliance with approved terms.

• Portfolio Management: Handled a diversified portfolio of over Rs 80 Billion, ensuring legal documentation and security perfection.
• Credit Compliance & Security: Validated loan documentation, perfected security, and reviewed disbursement authorizations to safeguard the bank.
• Monitoring & Control: Supervised portfolio risks, including drawing powers, insurance, and exception reporting.
• Documentation & Reporting: Coordinated with counsel for standard/non-standard documentation and managed timely reporting to Head Office.
• Audit & Staff Loans: Coordinated with auditors and managed staff loan portfolios (Auto, Home, Personal).

Led CAD operations for Commercial, SME, and Consumer lending, ensuring compliant documentation, collateral perfection, and charge registration for the South Region.

• Managed security documentation, legal reviews, and valuation processes to ensure accuracy against approved credit memorandums (FAL).
• Acted as Custodian-I for finance documents and collateral, ensuring secure storage and maintenance of portfolio records.
• Managed post-disbursement exception reporting and monitored expired valuations to mitigate operational risk.

Supervise documentation team for Commercial and Retail-SME lending, ensuring compliance with Prudential Regulations (SBP) and internal credit policies.

• Scrutinize credit approvals, prepare legal/charge documents, and perfect securities (Mortgage, Hypothecation, Pledge) before authorizing limit activation.
• Manage end-to-end documentation lifecycle, including issuance of offer letters and safe custody of security documents.
• Monitor exception reports to ensure portfolio quality, rectifying limit excesses and irregularities promptly.

Led CAD entire operations, ensuring secured lending, accurate system input, and timely disbursement while minimizing risk exposure.

• Managed end-to-end documentation, valuation, insurance monitoring, and NOC issuance for credit facilities.
• Controlled pledge accounts and managed security perfection, safe custody, and early repayment settlements.
• T-24 Migration Team Member: Actively participated in system migration on behalf of CAD.
• Coordinated with branches and SBP inspection teams to ensure policy compliance and resolve outstanding issues