ZARRAR KHAN LODHI

• Responsible for overall risk management function of credit union, primarily around following areas:

Credit Risk

• Manage credit risk function of credit union
• Credit Risk teams consists of manager and 4 adjudication officers – team manages approvals for Commercial, Agricultural and retail business lines
• Lead implementation of credit risk requirements including new money, annual reviews, borrower risk ratings, collateral coverage, exception to policy and key risk indicators
• Recommend to CEO for delegation of credit authorities to various staff members
• Manage working of credit committee as member and secretary, scheduling of meetings and documenting minutes of meetings
• First point of contact with provincial regulators and external auditors for all credit related matters
• Responsible for updating of credit policy every two years
• Redrafted credit concentration policy as per OSFI and global standards by linking it to capital
• Ongoing monitoring of portfolio and reporting of exceptions to policy to board of directors
• Introduced concept of watch listing for effective monitoring of portfolio
• Coaching of credit risk team – hired all current team members and groomed them in credit risk function
• Created underwriting team for preparation of commercial and agricultural credit applications as well as for residential mortgages to support mobile mortgage specialists
• Spearheaded development of job aid and procedures for retail mortgages, retail loans and commercial & Ag credit applications

Credit support

• Manage credit support and administration function
• Team consists of one manager and 12 staff members
• Teams looks after documentation and disbursement for commercial, agriculture and retail credit facilities like home mortgages and personal loans/lines of credit
• Credit support team manages registration of interest in security i.e., mortgages, PPRs, GSAs in coordination with external legal counsels
• Manage various reporting for insured mortgages, CEBA loans, Canada small business loans etc

Collections

• Team consists of 2 staff members and assists in following up with borrowers that fall behind in payments
• Manage and report on delinquencies for credit union and agree on work out plans with borrowers as and when required
• Manage all foreclosures of properties and repossession of vehicles as required from time to time
• Preparation of specific allowance and support finance team with IFRS9 by providing input on staging and help validating PDs, EAD and LGDs to arrive at ECL
• Support finance with calculation of CAR as dictated by BASEL III standardised approach – well versed with BASEL III FIRB and AIRB approaches

Enterprise Risk Management and AML

• Team consists of one manager and 2 staff members providing assistance with ERM and FINTRAC compliance
• Manage risk register for credit union and provide periodic reporting to audit and risk committee of board
• ERM covers operational risk, market risk, regulatory risk, liquidity risk and strategic risk
• Lead and manage insurance coverage for credit union
• Responsible for privacy as dictated by PIPEDA

• Prepared business plan for start up company based out of Vancouver, BC
• Gathered market data for short term car rentals in lower mainland
• Prepared projected financial statements
• Accompanied client for presentations to equity investors and financial institutions for borrowing

• HSBC sold its operations to Meezan Bank in 2014 – Meezan Bank tasked me with establishing a credit risk unit in up country away from their corporate office
• Developed team from a scratch to support over 300 branches for their credit requirements
• Hired team that started with 3 team members and when I left Meezan team consisted of around 25 team staff members including one senior vice president and 2 vice presidents
• Approved portfolio amounted to PKR 100 billion with credit facilities like retail vehicle loans, home mortgages, small and medium enterprises, commercial customers and corporate banking multinational companies
• Monitoring of portfolio including customer visits and managing watch list
• Worked as chief risk officer of bank in absence of CRO – managed credit risk, ERM and FI risk in this capacity

• Headed a region within country – responsible for various business lines including global banking, corporate & commercial banking, business deposits, cash management and trade sales
• Also had responsibility for administration, dealing with regulators locally and compliance function as area compliance officer
• Team consisted of direct and indirect reports of 45 staff members spread over 4 cities
• Developed bank’s portfolio from scratch and achieved 5X growth in span of 3 years, some of key highlights were:
• Arranged USD 80m offshore loan for Coca Cola International
• Approval and disbursement of USD 463m ECA financing for upgrade of thermal power plant
• China EXIM, Sinosure and HSBC PLC were involved in transaction
• Improved trade (export and import) business as regional head to over USD 500m
• Group relationship manager for local contracting company – total exposure USD 180m spread over four countries
• Successfully started and nurtured relationships with global customers like Pepsi international, Coca Cola international, Nestle, FMC united and Tetra Pak
• Participated in large syndicated loan to telecom company – EKN and SEK were involved as ECA partners
• HSBC middle east was required to be compliant with three regulators i.e., FCA (U.K), Central Bank of UAE and State Bank of Pakistan
• Besides that compliance was monitored for sanctions, OFAC, FINCEN and FIU
• Worked as stand in country head of corporate banking and participated in sale of HSBC’s operations

• Headed commercial banking team of 10 relationship managers
• Responsible for managing portfolio of SME and multinational customers like Pepsi, Honda and Coca Cola
• Achieved revenue target in September
• Did land mark transaction, first in country lending to micro finance company, in collaboration with OPIC USA
• Citi offered sophisticated products like cross currency interest rate swaps to its customers
• Developed multi currency import facility for large local importer
• Citi Bank in country was required to be compliant with Federal reserve (USA) and State Bank of Pakistan.

• Lead team of 5 relationship mangers responsible for corporate and commercial banking business, portfolio outstanding of 32 billion