Saiyid Najam Rizvi

Seasoned Banking professional with broad-based experience encompassing, Credit Risk, Investment Banking, Project Financing, Monitoring & Restructuring, Capital Markets, Regulatory & Internal Compliance and Report Writing. Over thirty years' experience with DFIs, Commercial Banks and NBFIs. After MBA from IBA, Karachi I jointed National Development Finance Corporation then a leading DFI. Starting with Project Finance, I worked in Investment Banking, Project Monitoring, Private Energy and Special Assets Divisions of NDFC over the next fifteen years. Subsequent to amalgamation of NDFC with National Bank of Pakistan ("NBP") in 2002 I was among the few executives selected to join NBP on the basis of job performance and reputation for professional dedication and integrity. To gain broaden my professional experience in 2005 I joined a private sector investment bank and subsequently in December 2006 First Credit & Investment Bank Limited as head of Corporate Finance. Since 2012 I have been Pak Brunei Investment Company initially heading Project Monitoring and since January 2021 Credit Risk & Monitoring Department which reviews credit risk of proposals initiated by business units of Pak Brunei as well its subsidiary leasing company and modarbas. Serving as a member of Pak Brunei's Credit, ALCO and Risk Management committees. I have also served as a nominee director on subsidiary companies and borrowers.

• Head of Credit Risk & Monitoring (Pak Brunei), Supervision of a team of Credit Analysts reviewing Corporate Banking, Leasing and SME proposals and preparation of Credit Advice with recommendations on all credit and investment proposals prior to consideration by Credit Committee., Supervision of Project Monitoring Unit monitoring high risk credit exposures.
• Head of Project Monitoring (Pak Brunei), Post-disbursement proactive monitoring of identified high risk credit & investment transactions., Liaising with consultants and project sponsors., Undertake periodic project visits to identify and resolve implementation and operational issues.
• Head of Corporate Finance & Credit (FCIBL), Marketing of advisory services and credit facilities to corporates., Supervising and coordinating credit appraisal and administration functions., Presentation of credit & investment proposals to credit committee., Liaison with other financial institutions and regulatory authorities., Developed internal manuals for prudent credit & investment management.
• VP Corporate Banking (Sindh Bank), Part of 2 member Corporate Banking team which established the department.
• AGM Corporate Finance Department (CSIBL), Vetting of bidding documents for power distribution generation companies on behalf of prospective investor group., Development and review of Term Sheets and information Memoranda., Facilitated Group takeovers, mergers and new project proposals.
• Special Assets Management Division (NBP), Rehabilitation of sick / problems projects, Coordination of negotiated settlements with borrowers. Change of management and divestment of projects., Assisting legal counsels in preparation of plaints, statements of accounts and consent decrees for classified accounts., Arranging sale of assets for decreed cases through courts., Given special award for effecting cash reveries against classified accounts
• Private Energy Division (NDFC), As Team Leader responsible for review / monitoring of overall performance of assigned portfolio including financial analysis of operating units to monitor and control the cost of sales, cash flow of the company to ensure timely or early repayment of loans., Preparation of Rehabilitation / Revival packages for problem Independent Power Projects financed through Long Term Credit Fund (LTCF) of the Government of Pakistan (GoP)., Preparation of Monitoring and Assessment Reports for International Lending Agencies., Prepared Implementation Completion Report (ICR) on Private Sector Energy Development Fund (PSEDF) for World Bank on behalf of GoP.
• Project Implementation and Monitoring Division (NDFC), Review of procurement procedures followed by borrowing entities to ensure compliance with laid down guidelines., Monitoring release of approved loans to borrowing entities to ensure compliance with Conditions Precedent., Periodical monitoring of the complete performing portfolio with respect to facility utilization, pricing, adherence of approved terms, repayments and the maintenance of overall loan quality / SBP Prudential Regulations., Oversee credit judgment and analytical skills of line officers and determine their training requirements.
• Investment Banking Division (NDFC), Review and assessment of bridge finance, underwriting and equity participation proposals prior to submission to the Corporation's relevant authority for decision., Arrangement of consortium financing, public flotation, underwriting of public issues and negotiation of term sheets with customers., Business development, with focus on emerging private sector financial sector entities., Financial analysis, financial modeling and deal structuring., Management of Corporation's Equity and Fixed Income Portfolios, carrying out industry and company research for fresh investments and disinvestments., Successfully closed PKR 3 billion local currency syndicate (largest at that time) for Pakistan's first IPP - HUBCO., Selected by NDFC for providing Financial Consultancy Services for mega infrastructure projects to various government agencies like National Highway Authority, Pakistan Telecommunication Corp., and Karachi Port Trust.
• Project Appraisal Division (NDFC), Carried out financial analysis and credit risk assessment of credit proposals for Long-Term loans and Working Capital loans (pre-shipment & post shipment export finance) from manufacturing, trading and service sectors., Handled approval of credit proposals with the corporation's lending authority and Board of Directors., Preparation of project appraisal reports on large projects involving preparation of budgeted financial statements to forecast and evaluate borrowers' future financial position., Issuance and monitoring of bid bonds and performance guarantees., Liaison with borrowers for completion of all legal documentation in connection of new finances, renewals and rescheduling., Liaison with State Bank of Pakistan (Central Bank) and International Lending Agencies (ADB, IBRD and Islamic Development Bank) for approval of sub-loans and equity participation.

• Enhancing Board Effectiveness - Directors Training Program, LUMS, Lahore, 05/28/2021 - 05/30/2021, 06/11/2020 - 06/12/2020
• The World of Energy Economics, IBA Karachi, 03/04/2020 - 03/05/2020
• Computer Spreadsheet Analysis for Banking Operations, ADFIMI, 03/30/2009 - 04/01/2009
• Project Appraisal and Finance Course (Private Sector Power Projects), Price Waterhouse, 06/12/1993 - 06/17/1993
• Project Appraisal Course, PDBI, 01/11/1987 - 02/12/1987

• Master of Business Administration, Finance & Banking, Marketing, Institute of Business Administration (IBA Morning), University of Karachi, 03/1986
• Bachelors of Business Administration (Hons.), Finance, Marketing, Institute of Business Administration (IBA Morning), University of Karachi, 03/1985
• Diploma in Banking (DAIBP) Part I & II, Institute of Bankers in Pakistan