Credit Risk Analyst
National Bank of Pakistan
Total des années d'expérience :10 years, 7 Mois
Development of statistical risk rating models & tools for credit risk / consumer risk analysis, credit portfolio view and other asset classes.
Develop analytical methodologies for targeted portfolio, industry and geographic analysis to test risk appetite, limits, concentration and strategy.
Independent Validation of risk rating models for continuous monitoring and updation.
Adequate understanding of Basel principles related to risk management tiers. Being part of Basel Implementation Steering group.
Identify segment-specific, idiosyncratic risks by using high-frequency data statistical analysis and predictive modelling.
Examine statistical reports and other documents related to credit scores and Probability of default for continuous innovation.
Identify, review, analyse and manage operational risks in business units with timely reporting to senior management and Board Committees.
Developed group wise RCSA (Risk Control Self-Assessment) and adhere periodic monitoring.
Co-ordination and implementation of IFRS 9 ECL provisioning policies for Overseas and Domestic operations.
Developed Business Requirement Documents for automation of credit processing and risk rating engines along with their integration with core banking system.
Preparation of relevant financial statement analysis of peer banks and collateral information for further presentation in portfolio review.
Obligor assessment - analysing borrowers’ credit worthiness via credit data, financial statements, and systems to determine the degree of risk involved in extending credit, and to recommend appropriate credit limits and/or credit structures.
Review of relevant strategies, policies and procedures, as developed by Business Group/ Divisions/ Functions being forwarded to wing.
Facilitate in data collection and analysis of Consumer Products, Basel Reporting (Overseas Reporting Formats etc.) / MCR calculation & stress testing.
Perform macro scenario analysis for proprietary stress testing related to Credit exposure of the Bank.
1. Understanding business processes by conducting walk-through according to ICFR (Internal Controls on Financial Reporting) and COSO framework guidelines.
2. Helping the Bank to implement technology solutions in a cost-effective way by determining the requirements of a project or program, and communicating them clearly to stakeholders, facilitators and respective divisions
3. Develop Program for New Products (Equity Markets) & (General Banking).Co-ordinate with concerned departments for Effective and Efficient product development.
4. Participates in User Acceptance Testing and testing of new System Functionality.
5. Preparation of “As-is” and “To Be” process flows of Core Banking System.
6. Preparing minutes of the meetings with product owners and senior management related to discussion on propose processes and New Core Banking System.
7. Perform continuous studies and researches to improve the business process, and give recommendations regarding the most suitable methodologies.
8. Prepare Use Cases (Business Requirement Document) and User Stories for all the stakeholders within the Bank to initiate the implementation.
9. Review Internal Control System by conducting regular visits to branches and identify areas of development and automation.
10. Perform Operation Risk Evaluation (ORE).
11. Coordination with IT personnel to implement the proposed changes into the core banking application/system.
12.Reengineer the process and suggest efficient working procedures that satisfy the organization’s business goals and objectives
13. Prepare feasibility and cost benefit analysis for new products and improvement proposed.
14. Follow up of projects that are already sent for approval from steering committee and respond to the queries on real time basis.
1. Planning and execution of engagements (as per the requirements of International Standards of Auditing (ISAs), Local regulatory requirements) and coordination of engagements to meet stringent deadlines, including team work, training and motivation.
2. Review of Internal audit field work and Preparation of internal audit reports for review of engagement managers and partner.
3. Reviewing of accounting and internal control systems and identification of weaknesses and recommending improvements therein.
4. Providing non-assurance advisory services for the implementation of risk management and control frameworks in client organization; and
5. Reporting of significant issues to the management and developing good working relationships with the client to deliver engagement expectations.
To handle remittances and clearing operation in branch.
Have the custody of security items like cheque books, ATM's and Instrument of financial nature.
To keep updated record of all branch functions through proper filing.
Filing of STATE BANK OF PAKISTAN Foreign exchange returns.
Monitoring of Foreign Currency accounts.
Work as a supervisor for 3 months in branch.
Prepare Monthly Bank Reconciliations.
Post General Ledger entries and maintain proper records in MS Excel.
Assisted with Human Resources, Accounts Payable, Accounts Receivable, General Ledger and computer projects as needed.
Assist in Preparation of month-end financial statements.
Maintaining database of clients and shipment orders.
Prepare Invoices for the Freight Services.
Compiles and analyzes financial information to prepare general ledger accounts and document monetary transactions.
To ensure that proper accounting policies are followed and applied.
Prepare Internal Audit checklists and review Internal Control System.
Ensure that Standard Operating Procedures are being followed..
Junior Associate Institute of Bankers Pakistan (JAIBP), Stage 2/3 Passed
Merit Scholarship Holder Publishing of Research Article in process.
Association of Chartered Certified Accountants (ACCA) College of Accounting & Management Sciences (CAMS) *Member
Bachelors of Commerce (B.Com) Government College of Commerce & Economics University of Karachi.
Certified Accounting Technician (CAT) *CAT Qualification upto paper T5.
Guards Public College * HSC 80.2% 2009
Hyderi Public School * SSC 81.6% 2007