Summary
Overview
Work History
Education
Skills
Software
Certification
Trainings & Accomplishments
Timeline
MOMINA FAHAD

MOMINA FAHAD

Experienced Banker
DUBAI, UAE ,Will be available on Spouse Visa in UAE by10-12-23

Summary

Experienced professional with 17+ years in Pakistan's leading Commercial Banks, adept in Relationship Management, Credit Analysis, and Team Leadership in the Credit Administration Department. Seeking a full-time position to leverage strong interpersonal, time management, and problem-solving skills in a challenging professional environment.

Overview

18
18
years of professional experience
24
24
years of post-secondary education
2
2
Certifications
2
2
Languages

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.

Education

MBA - Banking & Finance, Economics

HAILEY COLLEGE OF BANKING & FINANCE, University Of The Punjab
10.2003 - 12.2005

Bachelor of Arts - Economics & Psychology

University of The Punjab
08.2001 - 09.2023

Skills

Credit Documentation & review

Credit risk review

Audit & its Compliance

Regulatory Reporting

Monitoring & MIS

Vendor Management

Systems and automation applications

Financial statements expertise

Commercial and consumer clients

Teambuilding

Credit decisions Making

Software

LOS

MISYS

LOXON

Other Banking Softwares

Certification

SQL & Data analysis

Trainings & Accomplishments

  • The Seven Habbits of Highly Effective People by Franklin Covey
  • AML-CFT eLearning Module
  • Anti –Bribery & Corruption
  • Sanctions
  • Trade Based Money Laundering
  • Branchless Banking
  • Six weeks Training Program for Relationship Managers , by Institute of Bankers of Pakistan, State Bank of Pakistan
  • Banking, Credits & F.Exchange , by Officers Training Institute,The Bank of Punjab, Lahore
  • Problem Solving & decision Making Skills
  • Financial Statement analysis, conducted by Q Consulting & Training
  • Seminar on “Management skills for females”
  • Pledge Management training by HBL
  • Credit Administration - Backbone of Lending

Timeline

Vice President /Senior Credit Analyst - The Bank Of Punjab
11.2023 - Current

SQL & Data analysis

07-2021
Senior Manager / Team Leader , CAD - Habib Bank Limited
02.2014 - 11.2021
CAD Officer - The Bank Of Punjab
01.2013 - 01.2014
Relationship Manager , Commercial Banking Group - The Bank Of Punjab
04.2006 - 01.2013
HAILEY COLLEGE OF BANKING & FINANCE - MBA, Banking & Finance, Economics
10.2003 - 12.2005
University of The Punjab - Bachelor of Arts, Economics & Psychology
08.2001 - 09.2023
MOMINA FAHADExperienced Banker