SYED SAIF JAWED AKHTAR
Mississauga,ON
Summary
Experienced finance professional with a strong background in credit risk, commercial lending, AML/KYC, due diligence practices, and relationship management. Proficient in cross-functional collaboration and successful transaction execution, while dedicated to upholding the highest standards of the Regulatory and Compliance environments. Holds an MBA in Finance and CFA Level 1, accompanied by certifications in banking and finance. Well-versed in financial software applications and tools such as Moody’s Risk Analyst, Credit Lens, Office Suite etc.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Credit Risk Analyst
Dubai Islamic Bank Pakistan Limited
06.2021 - 07.2023
- Reviewed credit proposals from diversified borrowers, ensuring compliance with Risk, AML, KYC, and Regulatory policies.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
Commercial Banking Group - Relationship Manager
Habib Bank Limited
06.2017 - 05.2021
- Worked alongside Senior Manager in managing a portfolio of over USD 500 million which consisted of the country's top-tier local and multinational cooperates.
- Worked on financing deals for major projects, including procurement of power plants and acquisition of cargo ships.
- Generated loans and deposits and cross-sold applicable bank services to existing customer base to increase portfolio revenues by over 40%.
- Identified threats, vulnerabilities, and PEP elements in accordance with AML / KYC parameters recommending mitigation measures and arranging subsequent clearances.
Assistant Relationship Manager
Bank Alfalah
04.2016 - 04.2017
- Member of a Team managing a portfolio of over USD 50 million comprising a range of entities from textile, sugar, edible oil, engineering, and other industries.
- Built and maintained relationships with new and existing clients while providing a high level of service.
- Conducted thorough AML / KYC due diligence on existing and new clients.
Officer Finance & Treasury
Bank Alfalah
03.2014 - 04.2016
- Played a pivotal role in the successful approval process for the Bank's Dubai branch, demonstrating a strong understanding of regulatory procedures and processes.
- Assisted in the development of department budgets and review of budgets/forecasts / strategic financial workings of Foreign Units.
- Preparation of presentations, data tables, and other documentation for Board meetings.
Junior Life Underwriter
EFU Life Assurance
12.2012 - 03.2014
- Underwrite and obtain approval of insurance policies as per regulatory and company guidelines with a limit of USD 12,000.
Education
MBA - Finance
Institute of Business Management
Karachi, Pakistan2014
CFA Level 1 -
CFA Institute
2012
BBA(Honors) - Finance
Institute of Business Management
Karachi, Pakistan2012
Skills
- AML Knowledge: Demonstrated understanding of AML regulations, laws, and industry best practices
- Credit and Financial Analysis: Proficiency in evaluating creditworthiness of individuals, businesses, or entities by assessing financial statements, credit reports, and other relevant data
- Risk Assessment: Ability to assess and evaluate risks associated with various types of financing and customer profiles
- Regulatory Compliance: Familiarity with relevant regulatory requirements and frameworks such as FATCA, FATF, and OFAC
- Data Analysis and Research: Strong analytical skills, including ability to analyze large datasets, and conduct effective research to draw conclusions
- Teamwork and Collaboration: Ability to work effectively in a team-oriented environment, collaborating with colleagues and cross-functional teams
- Attention to Detail: Thoroughness and accuracy when analyzing data and documentation
Accomplishments
- Omega Performance certification (Moody’s Analytical Skills) for ‘Financial Accounting for Lenders’ and ‘Commercial Loans to
- Business’
- Junior Associateship of Institute of Bankers Pakistan (JAIBP)
- Completed in the first attempt
- Certification of Achievement for Internal Auditing for ISO 9001:2008 by Pakistan Institute of Management, Government of
- Pakistan.
Certification
- Omega Performance Certification (Moody’s Analytical Skills) for ‘Financial Accounting for Lending’ and ‘Commercial Loans to Business’.
- Junior Associateship of Institute of Bankers Pakistan (JAIBP).
- Certification of Achievement for Internal Auditing for ISO 9001:2008 by Pakistan Institute of Management, Government of Pakistan.
Timeline
Senior Credit Risk Analyst
Dubai Islamic Bank Pakistan Limited
06.2021 - 07.2023
Commercial Banking Group - Relationship Manager
Habib Bank Limited
06.2017 - 05.2021
Assistant Relationship Manager
Bank Alfalah
04.2016 - 04.2017
Officer Finance & Treasury
Bank Alfalah
03.2014 - 04.2016
Junior Life Underwriter
EFU Life Assurance
12.2012 - 03.2014
MBA - Finance
Institute of Business Management
CFA Level 1 -
CFA Institute
BBA(Honors) - Finance
Institute of Business Management
- Omega Performance Certification (Moody’s Analytical Skills) for ‘Financial Accounting for Lending’ and ‘Commercial Loans to Business’.
- Junior Associateship of Institute of Bankers Pakistan (JAIBP).
- Certification of Achievement for Internal Auditing for ISO 9001:2008 by Pakistan Institute of Management, Government of Pakistan.
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