About
Highly experienced Credit Analyst with over 6 years of expertise in credit risk assessment, financial analysis, and regulatory compliance across SME, Corporate, and Retail Banking sectors. Adept at leveraging robust financial analysis and data-driven insights to minimize credit risk, enhance portfolio quality, and drive significant business growth. Proven track record in streamlining credit administration processes and delivering actionable insights to senior leadership.
Work
Karachi, Sindh, Pakistan
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Summary
Leads comprehensive credit risk assessments for new and existing clients in the SME and Commercial sectors, ensuring robust financial health and risk exposure analysis.
Highlights
Directed comprehensive credit risk assessments for new and existing SME and commercial clients, identifying key financial exposures and mitigating potential losses.
Analyzed complex financial statements, credit reports, and market data to accurately assess client financial health and risk exposure, informing sound lending decisions.
Developed and presented detailed credit proposals, enabling senior management to make informed lending decisions and secure new business opportunities.
Evaluated and recommended precise credit limits, leveraging robust financial analysis and industry benchmarks to optimize portfolio risk-reward.
Monitored client portfolios for adherence to regulatory and internal credit policies, proactively identifying and addressing compliance gaps to maintain portfolio integrity.
Collaborated with cross-functional teams to implement risk mitigation strategies, contributing to enhanced portfolio performance and reduced default rates.
Karachi, Sindh, Pakistan
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Summary
Managed a corporate credit portfolio, overseeing loan documentation and ensuring compliance while contributing to operational efficiency and strategic decision-making.
Highlights
Achieved 'Excellent Performer' (2018) and 'Exceptional Performer' (2019) recognition, leading to a promotion and increased responsibilities within the department.
Managed a significant corporate portfolio, overseeing comprehensive loan documentation and ensuring strict compliance with banking standards to mitigate risk.
Conducted thorough reviews of complex credit proposals, identifying potential risks and ensuring data accuracy to support robust lending decisions.
Maintained and analyzed critical MIS records, generating actionable insights that informed strategic decisions for senior leadership, optimizing portfolio health.
Calculated and continuously monitored drawing power for secured facilities, enabling risk-adjusted lending decisions and optimizing capital utilization.
Streamlined credit administration processes, improving operational efficiency by optimizing workflows and reducing manual efforts.
Evaluated, monitored, and managed complex Pledge-based Financing structures, ensuring robust collateral management and risk mitigation for the bank.
Education
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BA (Honors)
Accounting and Finance
Grade: Second Class Honors, First Division (2:1)
Courses
Financial and Management Accounting
Corporate Finance
Financial Reporting (IFRS & GAAP)
Auditing
Taxation
Financial Management
Languages
English
Urdu
Punjabi
Sindhi
Skills
Credit Risk Management
Risk Assessment, Credit Portfolio Management, Risk Mitigation, Regulatory Compliance, Credit Policies.
Financial Analysis
Financial Statement Analysis, Financial Modeling, Balance Sheet Analysis, Income Statement Analysis, Cash Flow Analysis.
Portfolio Management
Portfolio Optimization, Asset Allocation, Performance Monitoring, Risk-Adjusted Returns.
Regulatory Compliance
Banking Regulations, AML/KYC, Documentation Management, Audit Preparation, Internal Controls.
Credit Scoring
Credit Models, Risk Scoring, Quantitative Analysis, Predictive Analytics, Credit Techniques.
Data Analysis
Data-Driven Decision Making, Data Interpretation, Business Intelligence, Decision Support, Analytical Reporting.
Leadership & Collaboration
Team Leadership, Cross-functional Collaboration, Stakeholder Management, Project Coordination, Mentorship.
Microsoft Excel
Data Manipulation, Financial Modeling, VLOOKUP, Pivot Tables, Data Visualization.
Communication
Written Communication, Verbal Communication, Presentation Skills, Negotiation, Interpersonal Skills.
Interests
Industry Trends
Market Analysis, Financial Trends, Economic Indicators.
Public Speaking
Knowledge Sharing, Presentations, Workshops.
Travel & Culture
Exploring Cultures, Global Travel, Cultural Immersion.
Culinary Arts
Cooking, Experimenting with Recipes, Food Preparation.
Event Planning
Organization, Logistics, Coordination.
Creative Writing
Blogging, Financial Topics, Content Creation.
Strategy Games
Chess, Financial Simulations, Strategic Thinking.
References
References
References will be provided upon request.