Coordinated with the bank’s CAD & RMG department to develop credit policy for commercial/SME customers as per their business requirements. Created documentation for new cases in collaboration with the CAD department. Utilized a deep understanding of obligors\' business models to innovate credit facility approvals, emphasizing self-liquidating securities over traditional asset charges or mortgages. Successfully evaluated and refined tailored credit solutions for managing commercial relationships and assessing credit requirements in line with industry trends. Executed and evaluated performance against tactical/strategic plans for the region, including customer acquisition, credit creation, and pipeline stream development objectives. Conducted thorough analysis to recommend funded and non-funded financing solutions for customers to assess risks and projected business profitability. Followed compliance procedures and internal/ operational risk controls in line with regulatory standards, requirements and policies. Assessed human resource needs, conducted candidate interviews, and offered hiring recommendations for open positions.
KEY ACCOMPLISHMENTS
 Trained and led a high-performing team of 30+ direct/indirect reports to enhance portfolio management efficiency.
 Achieved strategic shift towards prioritizing customer cash flows over traditional security-focused practices to enhance banking services and meet evolving customer needs.
 Increased customer awareness and demand for the bank\'s products by recognizing cross-selling opportunities for new and existing value-added solutions.
 Set a benchmark of excellence by designing a sales plan focusing on revenue-generating opportunities through building institutional relationships and nurturing referral sources for maximum impact.
 Attained an ROA of over 2.5% while managing a portfolio exceeding $25B in the Central & North Region while strengthening existing commercial relationships.

Appointed as the Head of Local Corporate Banking Division and migrated core banking software to Temenos T24 in liaison with the bank\\\'s IT division and implementation team. Led the migration of corporate products while launching digital banking, including an intuitive online portal for customer salary accounts and streamlined payment systems. Designed business requirement documents, functional specification document, and process workflow in line with functional and non-functional requirements for digital and corporate banking projects. Applied Industry 4.0 tools to integrate customization, IoT, cloud technology, and simulation software into T-24 system and enable prediction of ROA and default probability using historical data.
Key Accomplishments

Effectively implemented the loan origination system to automate financial risk rating, online approvals, and deferrals, accelerate approvals, and reduce reliance on manual MIS.
Succeeded in reducing approval time to minutes by developing the Samba Mobile App, introducing innovative features, such as salary advances and integrated personal loans.
Minimized audit issues by actively updating T-24 with new KYC/AML regulations and credit products and enabling integration of innovative lending solutions.
Interacted with IT, risk management, QA, compliance, and implementation teams to ensure seamless integration of various banking risk assets products, such as corporate loans, treasury products, trade products, consumer products, foreign bill discounting, SBLC, and CPR discounting into T-24 system that eliminated anomalies.

Interacted with major borrowers to monitor credit risk while gaining firsthand insights into industry trends and operational activities. Developed and implemented product program approved by the bank management and board of directors. Played a key role in overseeing credit portfolio to address exceptions and ensure best lending practices through effective follow-up on security and mandate issues. Assumed and maintained full accountability for creating financial models and conducting performance reviews for the commercial banking group to assess profitability and strategic goals. Maintained compliance with internal, external, and SBP audits while monitoring risk assets.
Key Accomplishments

Developed and maintained close relationships with major borrowers to monitor credit risks and gain immediate insights into their industry and operations.
Achieved a robust credit portfolio by overseeing and collecting loan servicing requirements and documentation exceptions while tracking industry trends.
Established a commercial banking group to generate revenue streams and improve the bank\'s financial performance through strategic business development initiatives.

Crafted individualized sales plans and delivered a comprehensive range of services tailored to their specific needs. Cultivated a portfolio of existing corporate relations while managing credit-related business needs. Structured credit lines for corporate borrowers while conducting quantitative and qualitative analysis for presentation to the bank\'s credit committee. Boosted the bank\'s profitability in accordance with credit policy and regulatory guidelines. Conducted site visits to observe the seamless operation of customer facilities and offices.
Key Accomplishments

Conducted thorough risk assessments and profitability projections to examine customers\' funded and non-funded financing needs while ensuring informed financing decisions.
Established close relationships with major borrowers to ensure thorough credit risk monitoring and gain firsthand insights into their industry and operations.
Raised portfolio and referral network in liaison with internal business partners and external financial mediators.
Successfully managed existing corporate entities\' relationships to optimize key business metrics, such as customer relationship focus, account profitability, product revenue, and customer share of wallet.
Promoted bank products to potential customers, finalized deals, and negotiated credit requirements while arranging suitable securities to cover the facilities.
Achieved healthy growth in existing credit portfolio and maximized utilization of funded and non-funded facilities to meet budgetary targets.