Farooq Ahmad Hashmi
Credit Risk Manager
Abu Dhabi
Summary of Career
1. Professional with more than 15 years of experience in Accounts & Finance, Credit Risk Management, Portfolio Management, Relationship Management and Business Development.
2. Expertise of credit analysis & proposal writing for working capital facilities of Islamic as well as non-Islamic mode of financing
3. Significant exposure in evaluating credit proposals based on financial statements analysis, track record & historic information, direct interaction with the clients and site visits.
4. Excellent in improving quality of bank’s assets by reviewing customer’s financial reports & site visits, identifying weaknesses and recommending appropriate terms & conditions.
5. Customer centric approach with skills in addressing client priorities & resolving escalation within TAT, thereby attaining high business & compliance score.
6. Excellent in managing credit processes involving analysis & appraisal of proposals, in-depth study of documents for sanction / rejection of lending application and disbursal as per credit policies.
7. Credit Analysis, Financial Analysis & Business Analysis
8. Risk Management
9. Business Development & Portfolio Management
10. Due Diligence
Experience as Relationship Manager - Assets
Meezan BANK LTD
01 July 2010
30 June 2012
Managed Islamic Banking Assets Portfolio of various working capital products including Ijarah, Murabaha, Istisna, diminishing Mushakah and Salem.
Managed corporate accounts of various industries like flour mills, oil mills, Pharmaceutical Manufacturing and construction industry.
Managing entire process from proposal writing till disbursement and onward monitoring of the portfolio.
Experience as Relationship Manager - Assets
Union National Bank
03 July 2012
31 January 2017
Business Development on assets side by exploring new prospects and acquiring new clients.
Proposal writing, financial analysis, site visit, satisfying customer’s request for various one-off transactions.
Strengthening relationship with the clients for understanding the trade requirements of the client
Managing entire process from proposal writing till disbursement and onward monitoring of the portfolio.
Managed accounts of various industries like General Trading, Importers, Ready Mix Manufacturers, Contractors, Fit Out Interior and Services Concerns like small size medical centers, hospitals and recruitment agencies.
Experience as Credit Risk Manager
Union National Bank
01 February 2017
31 August 2019
-Underwriting Credit Appraisal and Credit Note for the relevant approving authority for working capital facilities, business loans and mortgage loans for retail & SME Clients
-Highlighting the various risks involved in lending, after risk assessment proposing acceptable solution to mitigate lending risks through various financial & technical covenants.
-Regular portfolio analysis (annual & interim renewals/reviews).
-Involvement in preparing policy frame work for different working capital products as well as retail products.
-Reviewed/approved various proposals of working capital lines including overdrafts, LCs, TRs, Bill Discounting, Invoice Discounting, Project Finance, Bank Guarantees and program based lending like cash loans, fleet finance, commercial vehicle finance and mortgage loans for self-employed/salaried customers.
Master 30 November 2011
MBA- Finance