Taimoor Asghar CFA
Mississauga,ON
Summary
An adaptive and forward-thinking banker with a firm grip on commercial credit underwriting across various industries. My key skills are prospecting new clients, credit appraisal, sales of commercial banking products and strong financial acumen. With an assertive attitude, attention to details, and a problem-solving mindset, I bring an unparalleled value addition package to an organisation.
Overview
7
7
years of professional experience
Work History
Assistant Manager – Credit Analysis (Corporate & Institutional Banking)
Emirates NBD
2 2022 - 1 2024
- Managed credit underwriting of commercial clients with corporate loans and letters of credit of up to AED 4Bn (USD 1.1Bn)
- Looked after a diverse credit portfolio of entities belonging to real estate, construction, oil and gas and trading sectors, ensuring data accuracy and effective record keeping
- Conducted in-depth financial analysis on existing and potential corporate relationships using Moody’s Analytics tools and excel based models in order to spot lucrative business opportunities and identify red flags
- Analysis involved developing a deep understanding of client’s business needs, footprint and key stakeholders
- Coordinated with clients for their credit requirements and execution of transactions including disbursement of term loans
- Thoroughly reviewed Facility Offer Letters and relevant security documents after obtaining credit approvals in order to ensure compliance with approved credit terms
- Organized and attended meetings with corporate clients on a regular basis in order to discuss opportunities for business growth and to remain abreast of latest developments in client’s business
- Actively monitored covenants and credit sanctioning conditions to ensure compliance and escalate cases where covenants or conditions were breached
- Partnered with coverage team of RMs and product specialists to deliver value to clients
- Maintained strong working relationship with Legal, Trade, Credit Risk, Compliance and other key departments
- Ensured compliance to internal and external regulatory requirements.
- Improved customer satisfaction by addressing and resolving complaints promptly.
Credit Analyst – Corporate Banking
United Bank Ltd
02.2016 - 01.2022
- Managed an asset portfolio of corporate clients with an asset size of USD 250M along with Relationship Managers
- Entities in assigned portfolio belonged to construction, healthcare, real estate, trading and manufacturing sectors
- Created Credit Applications for new and existing corporate relationships
- Analysed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted detailed financial analysis with the aid of excel based financial models to analyse the loan repayment capability of existing and potential corporate clients
- Coordinated with clients regarding their transactional requirements
- Liaised with trade finance, compliance, credit administration and relevant departments for smooth execution of client requests in line with credit policies
- Conducted supplier, customer and bank checks on existing and potential corporate relationships
- Structured facility offer letters (FOLs) detailing the securities, terms and conditions of the credit facilities being granted/renewed
- Maintained strict follow up for regularisation of overdue accounts and raising watch-list memos to apprise senior management about the present financial/operational condition of troubled clients.
Research Analyst
Alfalah GHP Investment Management Ltd
02.2015 - 05.2015
- Conducted in depth ratio and price multiple analysis of listed securities
- Successfully maintained valuation and profitability sheets for spotting lucrative investments
- Prepared monthly Fund Manager Reports which involved calculating periodical returns and graphical presentation of fund performance data.
Education
CFA Charterholder -
CFA Institute
09.2019
MBA - undefined
Bahria University
Islamabad, PakistanSkills
Relationship Management
Client Experience
Teamwork
Collateral Management
Credit Analysis
Risk Management
Advanced MS Excel
Credit Report Writing
Prospecting
Operations Management
Timeline
Credit Analyst – Corporate Banking
United Bank Ltd
02.2016 - 01.2022
Research Analyst
Alfalah GHP Investment Management Ltd
02.2015 - 05.2015
Assistant Manager – Credit Analysis (Corporate & Institutional Banking)
Emirates NBD
2 2022 - 1 2024
CFA Charterholder -
CFA Institute
MBA - undefined
Bahria University
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