MOMINA FAHAD

Work History

Vice President /Senior Credit Analyst

The Bank Of Punjab

Lahore

11.2023 - Current

To conduct client need analysis and conclude what type of facilities the borrower requires keeping in view the terms of trade of that particular industry
Detailed cash flow analysis, since the bank would get repaid from free cash flows of the business
Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews
Recommend risk rating changes when analysis merits
Ensure that eligibility criteria is met before offering a product to the customer
Report findings that may have an adverse effect on loan collateral or a borrower’s ability to repay the loan
To understand the asset conversion cycle of the business and assess the repayment capacity of the borrower
To conduct comprehensive security analysis since the primary source of repayment is the cash flow while the secondary source is liquidation of security
Finalize Credit Proposals from all concerned quarters within shortest possible time to maintain TAT
Evaluation & processing of Credit Proposals with respect to compliance of internal (CPM) and external (SBP PRs) regulations as well as risk evaluation criteria
Analyze the risks of credit proposal and make recommendations on risk mitigation measures, limit structures, tenor, security, covenants, Term Sheets and conditions precedent
Adopting problem solving approach and close coordination with Credit Review Team SMED & other stake holders to achieve organizational goals
Training to relevant field functionaries / credit analysts for improvement in CA presentation and other credit related issues
Established performance goals for department and provided methods for reaching milestones.
Any other assignment given by Regional Business Head.

Senior Manager / Team Leader , CAD

Habib Bank Limited

02.2014 - 11.2021

Managing a team of 25 team members at CAD –Central as Team Leader –SME
Authorization & limit input of all credit lines as per approved terms & conditions of approval & Bank’s policies
A minimum of 500 authorizations in a day are conducted
Preparation of FOL , checkoff lists & other charge documents in relevance to approval , in order to safe guard Banks interest
Ensure timely update of all systems with credit related information such as Risk rating, Expiry dates and Collateral details
Coordinating with the internal & external audit teams & compliance of audit irregularities
Implement and manage compliance of all policies & procedures effectively
Create and manage effective action plans in response to audit discoveries and compliance
Violations
Monitoring and tracking of document deficiency and deferrals thru various ticklers and pre & post mortgage opinions / periodical legal reviews
Periodical delinquency monitoring i.e.PDO, EOL and TOD & escalation to relevant business group.
To arrange/conduct joint visits with Business for physically verifying the property ,documenting their observations and performing a sanity check on valuation.
Periodical hypo / pledge stock inspection through in-house / outsource, its review & follow-up management.
Monitoring of Insurance policies against approved collateral including follow-up management, genuineness & PPR tracking.
Pledge management including handling of mucaddam affairs, periodical DP monitoring, DO issuance & timely reporting of shortfall/force lifting incidents.
Coordinate with in-house / external counsel for ILA (Initial Legal Advise) / Post Legal Advise within agreed TAT
Timely seeking valuation assignment from HOK and close liaison with valuators to arrange
Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
Evaluated hiring, firing, and promotions requests.
Plans & coordinates Job descriptions among all the staff.
Oversee daily workloads and workflow for smooth operations. Initiate the recruiting procedure & train personnel & allocate responsibilities.

CAD Officer

The Bank Of Punjab

01.2013 - 01.2014

Disbursement of credit lines pertaining to Gujrat region
Allocation of valuators & lawyers
Issuance of finance documents of respective borrowers.

Relationship Manager , Commercial Banking Group

The Bank Of Punjab

04.2006 - 01.2013

Assessing, analyzing and interpreting financial information of borrowers
Conduct thorough assessment of credit requests & help to enhance the quality of credit applications
Reconcile credit files and identify discrepancies and variances wrt Bank’s policies & Regulations
To recommend appropriate Credit limits, Pricing, Tenor, Repayment schedule, Covenants, Collaterals, risk adjusted pricing and preparation of Comments Sheet for final decision making
Completing Credit approval package and submitting to loan committees for approval within approved TAT.
Develop portfolio of high quality assets to achieve growth targets
Initiation, Processing & risk review of proposals in order to complete assigned targets
Financial & Credit risk analysis of the proposals regarding the product & its market trends
To screen out bad credit from good ones by ascertaining the reliability of information provided in CA of prospective borrowers so as to ensure a more profitable exposure.

Summary

Overview

Work History

Vice President /Senior Credit Analyst

Senior Manager / Team Leader , CAD

CAD Officer

Relationship Manager , Commercial Banking Group

Education

MBA - Banking & Finance, Economics

Bachelor of Arts - Economics & Psychology

Skills

Software

Certification

Trainings & Accomplishments

Timeline

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