ºÝºÝߣ

ºÝºÝߣShare a Scribd company logo
Page 1 of 2
Sheeraz Habib
M-11, Apsara Apartment No. 3, Block-16, Gulshan-e-Iqbal,Karachi,Pakistan-75300
Email:sheerazhbb@yahoo.com| Mobile: 0092-321-2563473
Professional Overview
A Corporate/Commercial banking professional with a proven track record of effective Relationship & Credit
Risk Management. Adept in meaningful risk analysis, driving strategic growth and optimizing relationship
potential pan Pakistan.
Core Competencies
 RelationshipManagement  Credit,Risk& Financial Analysis  Trade Finance
 Business&EconomicAnalysis  CreditLimits&SecurityStructuring  SyndicationLoans
 CreditMonitoring  Team Building  Internal Audit
Career Snapshot
 KASB Bank Ltd (PresentlyBankIslami Pakistan)
Vice President- CreditManager(Country CreditDivision) Aug 2009– Present
 KASB Bank Ltd
Relationship Manager-MiddleMarket(BusinessBanking Group) Apr 2007–Jul 2009
 PICIC Commercial Bank Ltd (PresentlyNIBBank)
Relationship Manager,Credit& Marketing Jun 2003–Mar 2007
Professional Qualifications
 Junior Associateshipof IBP (JAIBP) 2014
Instituteof Bankers,Pakistan
 CA (Foundation) Examination 1997-1998
Instituteof Chartered Accountantsof Pakistan
Academic Qualifications
 Masters in BusinessAdministration (Finance) 2001-2003
Bahria University,Karachi
 Bachelor of Commerce 1995-1996
Universityof Karachi
Career Profile
KASB Bank Ltd (PresentlyBankIslami Pakistan) August, 2009 - Present
Vice President- CreditManager(Country CreditDivision)
Responsibilities:
 Pre-sanction analysis & review of 150 approx. Corporate, Commercial & SME relationships with
funded and non-funded exposure of Rs. 7.5 B
 Keep update on SBP Prudential Regulations, industry, economic factors & financial statements.
 Analyze financialspreads andcommentonthe same,decide on structure of the credit facilities to be
proposed, identifying risks/deviation in the proposal with suggested mitigates.
Page 2 of 2
 Prepare Credit Review Note for Credit Approvals recommended by Business Segments and make
recommendations to the Country Credit Officer (CCO) for onward submission to Central Credit
Committee (CCC) for their consideration.
 PeriodicallyvisitCorporate/CommercialclientswithBusinessUnitsaspartof the evaluationof acredit
proposal and/or to understand the market dynamics.
 Continuous review of credit exposure to identify early warning signals at risk through
management/monitoring of allocated portfolio for renewals, limits dropping, etc.
KASB Bank Ltd April,2007 – July,2009
Relationship Manager- MiddleMarket(BusinessBanking Group)
Responsibilities:
 Manage a portfolioof 18 Commercial Relationshipsfromdiverse industrybase.
 Formulate and implement intensive relationship management strategy to maintain and deepen
commercial/corporate customer’s share of wallet within the managed portfolio.
 Achieve financial targets of Assets, Trade and Liabilities (Deposits) set in the Annual Budget.
 Preparationof creditproposalsforthe considerationandapproval of competentauthority,evaluation
of financial strengthandoperatingperformanceof the customersfor assessmentof creditworthiness.
 Exploring customer needs, ensuring customer needs are met through Relationship/Client
Service/Cross-sell plans in order to maximize business development opportunities.
PICICCommercial Bank (PresentlyNIBBank) June,2003 – March, 2007
Relationship Manager-Credit&Marketing
Responsibilities:
 Develop strategic institutional relationships through new customer acquisition.
 Tailoring banking services within Assets and Trade categories, to provide client-specific solutions.
 Creating sound credit proposals analyzing country, industry and business risks.
 Credit Management/Monitoring of the approved credit lines with respect to business performance
and conduct of the account.
 Follow-up with the clients marketed/visited in order to obtain relevant/necessary
documents/information from the clients required for processing of credit applications.
 Ensuring perfect execution and completion of security documentation in consultation with credit
support unit (CSU).
Seminars and Workshops
 CFO Conference, 2015 on Sustaining Excellence & Shifting Gears-PC Hotel, Karachi
 Intermediate Seminar on Credit-Institute of Bankers, Pakistan (IBP).
 Analysis of Financial Statements- KASBIT Institute.
 SMEs Financing- PICIC Management Institute (PMI)
 Secured Lending & Documentation- Institute of Bankers, Pakistan (IBP).
 Credit Analysis for Prudent Lending- Marriott Hotel, Karachi.
 Leading, Coaching and Delegating (LCD)-Marriott Hotel, Karachi
Personal Profile
 Date of Birth:December26, 1976
 Marital status:Married
 Dependants:3

More Related Content

What's hot (17)

CV finance
CV financeCV finance
CV finance
Rethem Singh
Ìý
CV Dileep 2016
CV Dileep 2016CV Dileep 2016
CV Dileep 2016
Dileep Nair
Ìý
Resume(1)
Resume(1)Resume(1)
Resume(1)
Raj.scms
Ìý
pranay_resume_new
pranay_resume_newpranay_resume_new
pranay_resume_new
Pranay Mahata
Ìý
Resume Akbar updated
Resume Akbar updatedResume Akbar updated
Resume Akbar updated
Akbar Ali Datoo
Ìý
Resume-15
Resume-15Resume-15
Resume-15
MANSOOR AHMED SOOMRO
Ìý
Hassan Iqbal resume new1
Hassan Iqbal resume new1Hassan Iqbal resume new1
Hassan Iqbal resume new1
Hassan Iqbal
Ìý
Babar baig resume unb
Babar baig resume unbBabar baig resume unb
Babar baig resume unb
trishakeifferlei
Ìý
Nisha D'souza Resume 2015
Nisha D'souza Resume 2015Nisha D'souza Resume 2015
Nisha D'souza Resume 2015
Nisha D'souza
Ìý
New Resume
New ResumeNew Resume
New Resume
DILIP PADKI
Ìý
CVLesley (2)
CVLesley (2)CVLesley (2)
CVLesley (2)
Lesley Bradley
Ìý
sadaf resume
sadaf resumesadaf resume
sadaf resume
Madam Sadaf Alam
Ìý
Resume_Himanshu_Haryani_May16
Resume_Himanshu_Haryani_May16Resume_Himanshu_Haryani_May16
Resume_Himanshu_Haryani_May16
Himanshu Haryani
Ìý
Swapnil tripathi. latest cv. 1docx
Swapnil  tripathi. latest  cv. 1docxSwapnil  tripathi. latest  cv. 1docx
Swapnil tripathi. latest cv. 1docx
Swapnil Tripathi
Ìý
NILESH_CV
NILESH_CVNILESH_CV
NILESH_CV
nileshsingh rajput
Ìý
Vistaar
VistaarVistaar
Vistaar
Ravi Verma
Ìý
my cv
my cvmy cv
my cv
Rajarshee Guha
Ìý
CV Dileep 2016
CV Dileep 2016CV Dileep 2016
CV Dileep 2016
Dileep Nair
Ìý
Resume(1)
Resume(1)Resume(1)
Resume(1)
Raj.scms
Ìý
pranay_resume_new
pranay_resume_newpranay_resume_new
pranay_resume_new
Pranay Mahata
Ìý
Resume Akbar updated
Resume Akbar updatedResume Akbar updated
Resume Akbar updated
Akbar Ali Datoo
Ìý
Hassan Iqbal resume new1
Hassan Iqbal resume new1Hassan Iqbal resume new1
Hassan Iqbal resume new1
Hassan Iqbal
Ìý
Babar baig resume unb
Babar baig resume unbBabar baig resume unb
Babar baig resume unb
trishakeifferlei
Ìý
Nisha D'souza Resume 2015
Nisha D'souza Resume 2015Nisha D'souza Resume 2015
Nisha D'souza Resume 2015
Nisha D'souza
Ìý
New Resume
New ResumeNew Resume
New Resume
DILIP PADKI
Ìý
Resume_Himanshu_Haryani_May16
Resume_Himanshu_Haryani_May16Resume_Himanshu_Haryani_May16
Resume_Himanshu_Haryani_May16
Himanshu Haryani
Ìý
Swapnil tripathi. latest cv. 1docx
Swapnil  tripathi. latest  cv. 1docxSwapnil  tripathi. latest  cv. 1docx
Swapnil tripathi. latest cv. 1docx
Swapnil Tripathi
Ìý

Similar to CV (20)

Saad jameel farooqui CV 1
Saad jameel farooqui CV 1Saad jameel farooqui CV 1
Saad jameel farooqui CV 1
Saad Farooqui
Ìý
Satish
SatishSatish
Satish
Satish Das
Ìý
Akash Mishra_Resume
Akash Mishra_ResumeAkash Mishra_Resume
Akash Mishra_Resume
Akash Mishra
Ìý
Shahid Resum
Shahid ResumShahid Resum
Shahid Resum
SHAHID AHMAD
Ìý
Rakesh Nayak. 06-11-2015
Rakesh Nayak. 06-11-2015Rakesh Nayak. 06-11-2015
Rakesh Nayak. 06-11-2015
aloklalu
Ìý
Tayyab Resume-formatted
Tayyab Resume-formattedTayyab Resume-formatted
Tayyab Resume-formatted
Muhammad Tayyab Hashmi
Ìý
MANJULA SUNDERRAJAN
MANJULA SUNDERRAJANMANJULA SUNDERRAJAN
MANJULA SUNDERRAJAN
Manjula Manjula
Ìý
Ahmed Morsy CV
Ahmed Morsy CVAhmed Morsy CV
Ahmed Morsy CV
Ahmed Morsy, CLBB
Ìý
Mr._Asif_Resume
Mr._Asif_ResumeMr._Asif_Resume
Mr._Asif_Resume
Syed Asif Ali
Ìý
Manish Sharma-BD---Mauritius
Manish Sharma-BD---MauritiusManish Sharma-BD---Mauritius
Manish Sharma-BD---Mauritius
Manish Sharma
Ìý
AM-Aug'16
AM-Aug'16AM-Aug'16
AM-Aug'16
Amin Mohammed
Ìý
CURRICULUM VITAE
CURRICULUM VITAECURRICULUM VITAE
CURRICULUM VITAE
GeorgeBush31
Ìý
AWAKASH
AWAKASHAWAKASH
AWAKASH
awakash .
Ìý
Resume Rashid Rafique, Aca
Resume Rashid Rafique, AcaResume Rashid Rafique, Aca
Resume Rashid Rafique, Aca
Rashid Rafique (ACA)
Ìý
Janki_Resume
Janki_ResumeJanki_Resume
Janki_Resume
Janki Vyas
Ìý
Vishal resume
Vishal resumeVishal resume
Vishal resume
Vishal Kacker
Ìý
Jalal Jamil CV
Jalal Jamil CVJalal Jamil CV
Jalal Jamil CV
Jalal Jamil
Ìý
vikram cv2
vikram cv2vikram cv2
vikram cv2
Vikram Vijayan
Ìý
ravivazirani
ravivaziraniravivazirani
ravivazirani
Ravi Anand
Ìý
Zain Kaz - CBR
Zain Kaz - CBRZain Kaz - CBR
Zain Kaz - CBR
ZAIN KAZMI- ACI
Ìý
Saad jameel farooqui CV 1
Saad jameel farooqui CV 1Saad jameel farooqui CV 1
Saad jameel farooqui CV 1
Saad Farooqui
Ìý
Akash Mishra_Resume
Akash Mishra_ResumeAkash Mishra_Resume
Akash Mishra_Resume
Akash Mishra
Ìý
Shahid Resum
Shahid ResumShahid Resum
Shahid Resum
SHAHID AHMAD
Ìý
Rakesh Nayak. 06-11-2015
Rakesh Nayak. 06-11-2015Rakesh Nayak. 06-11-2015
Rakesh Nayak. 06-11-2015
aloklalu
Ìý
MANJULA SUNDERRAJAN
MANJULA SUNDERRAJANMANJULA SUNDERRAJAN
MANJULA SUNDERRAJAN
Manjula Manjula
Ìý
Mr._Asif_Resume
Mr._Asif_ResumeMr._Asif_Resume
Mr._Asif_Resume
Syed Asif Ali
Ìý
Manish Sharma-BD---Mauritius
Manish Sharma-BD---MauritiusManish Sharma-BD---Mauritius
Manish Sharma-BD---Mauritius
Manish Sharma
Ìý
CURRICULUM VITAE
CURRICULUM VITAECURRICULUM VITAE
CURRICULUM VITAE
GeorgeBush31
Ìý
AWAKASH
AWAKASHAWAKASH
AWAKASH
awakash .
Ìý
Janki_Resume
Janki_ResumeJanki_Resume
Janki_Resume
Janki Vyas
Ìý
Jalal Jamil CV
Jalal Jamil CVJalal Jamil CV
Jalal Jamil CV
Jalal Jamil
Ìý
ravivazirani
ravivaziraniravivazirani
ravivazirani
Ravi Anand
Ìý

CV

  • 1. Page 1 of 2 Sheeraz Habib M-11, Apsara Apartment No. 3, Block-16, Gulshan-e-Iqbal,Karachi,Pakistan-75300 Email:sheerazhbb@yahoo.com| Mobile: 0092-321-2563473 Professional Overview A Corporate/Commercial banking professional with a proven track record of effective Relationship & Credit Risk Management. Adept in meaningful risk analysis, driving strategic growth and optimizing relationship potential pan Pakistan. Core Competencies  RelationshipManagement  Credit,Risk& Financial Analysis  Trade Finance  Business&EconomicAnalysis  CreditLimits&SecurityStructuring  SyndicationLoans  CreditMonitoring  Team Building  Internal Audit Career Snapshot  KASB Bank Ltd (PresentlyBankIslami Pakistan) Vice President- CreditManager(Country CreditDivision) Aug 2009– Present  KASB Bank Ltd Relationship Manager-MiddleMarket(BusinessBanking Group) Apr 2007–Jul 2009  PICIC Commercial Bank Ltd (PresentlyNIBBank) Relationship Manager,Credit& Marketing Jun 2003–Mar 2007 Professional Qualifications  Junior Associateshipof IBP (JAIBP) 2014 Instituteof Bankers,Pakistan  CA (Foundation) Examination 1997-1998 Instituteof Chartered Accountantsof Pakistan Academic Qualifications  Masters in BusinessAdministration (Finance) 2001-2003 Bahria University,Karachi  Bachelor of Commerce 1995-1996 Universityof Karachi Career Profile KASB Bank Ltd (PresentlyBankIslami Pakistan) August, 2009 - Present Vice President- CreditManager(Country CreditDivision) Responsibilities:  Pre-sanction analysis & review of 150 approx. Corporate, Commercial & SME relationships with funded and non-funded exposure of Rs. 7.5 B  Keep update on SBP Prudential Regulations, industry, economic factors & financial statements.  Analyze financialspreads andcommentonthe same,decide on structure of the credit facilities to be proposed, identifying risks/deviation in the proposal with suggested mitigates.
  • 2. Page 2 of 2  Prepare Credit Review Note for Credit Approvals recommended by Business Segments and make recommendations to the Country Credit Officer (CCO) for onward submission to Central Credit Committee (CCC) for their consideration.  PeriodicallyvisitCorporate/CommercialclientswithBusinessUnitsaspartof the evaluationof acredit proposal and/or to understand the market dynamics.  Continuous review of credit exposure to identify early warning signals at risk through management/monitoring of allocated portfolio for renewals, limits dropping, etc. KASB Bank Ltd April,2007 – July,2009 Relationship Manager- MiddleMarket(BusinessBanking Group) Responsibilities:  Manage a portfolioof 18 Commercial Relationshipsfromdiverse industrybase.  Formulate and implement intensive relationship management strategy to maintain and deepen commercial/corporate customer’s share of wallet within the managed portfolio.  Achieve financial targets of Assets, Trade and Liabilities (Deposits) set in the Annual Budget.  Preparationof creditproposalsforthe considerationandapproval of competentauthority,evaluation of financial strengthandoperatingperformanceof the customersfor assessmentof creditworthiness.  Exploring customer needs, ensuring customer needs are met through Relationship/Client Service/Cross-sell plans in order to maximize business development opportunities. PICICCommercial Bank (PresentlyNIBBank) June,2003 – March, 2007 Relationship Manager-Credit&Marketing Responsibilities:  Develop strategic institutional relationships through new customer acquisition.  Tailoring banking services within Assets and Trade categories, to provide client-specific solutions.  Creating sound credit proposals analyzing country, industry and business risks.  Credit Management/Monitoring of the approved credit lines with respect to business performance and conduct of the account.  Follow-up with the clients marketed/visited in order to obtain relevant/necessary documents/information from the clients required for processing of credit applications.  Ensuring perfect execution and completion of security documentation in consultation with credit support unit (CSU). Seminars and Workshops  CFO Conference, 2015 on Sustaining Excellence & Shifting Gears-PC Hotel, Karachi  Intermediate Seminar on Credit-Institute of Bankers, Pakistan (IBP).  Analysis of Financial Statements- KASBIT Institute.  SMEs Financing- PICIC Management Institute (PMI)  Secured Lending & Documentation- Institute of Bankers, Pakistan (IBP).  Credit Analysis for Prudent Lending- Marriott Hotel, Karachi.  Leading, Coaching and Delegating (LCD)-Marriott Hotel, Karachi Personal Profile  Date of Birth:December26, 1976  Marital status:Married  Dependants:3