Summary
Overview
Work History
Education
Skills
Languages
Certification
Timeline
Generic

Muhammad Anwer

Dubai

Summary

A trained Commercial Credit & Debit Cards Analyst/Officer with 6 years hands-on and proven work experience in both Middle Market and Business Banking.

Adept in assessing borrowers’ creditworthiness, identifying and resolving complex financial issues, reconciliations and postings, risk reporting, variance analysis, trend analysis.

Constantly learning and taking advantage of educational opportunities to keep current in credit, legal and compliance issues. Multi-talented Senior Executive knowledgeable about sales, operations, and personnel management. Successful at stepping into diverse positions and making immediate positive contributions. Focused on optimizing operations and motivating employees while establishing market dominance.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Chief Data and Analytics Officer

GTS
08.2019 - 04.2024
  • Performed credit analysis and underwriting of Credit and debit/topup cards for presentation to marketing & finance committee, Board of Directors or approval by the finance manager for risk apatite and recovered sales by 20%.
  • Collaborated with card marketing credit Officers/Lenders to meet the lending needs of corporate clients by providing customers cards BI reports.
  • Complete annual reviews of existing loans and renewals of commercial line of credit facilities.
  • Assess and analyze commercial credit risks and assign credit risk ratings based on central bank lending policies and procedures.
  • Assigned as the go to credit analyst for Alliance Partners middle market deals to assist the credit officer with underwriting new money deals and perform quarterly and annual reviews and modifications.

BI Analytics - Card Marketing and Invoicing

ENOC
01.2018 - 12.2019
  • Evaluated, structure, risk rate, underwrite, and review credit limit loan requests up to $20M to assess clients’ financial status
  • Analyze financial data, such as market share, income growth, profitability and calculate risk ratios, credit scores, and pro forma debt service coverage to determine expected loan default through Dashboard and BI reporting.
  • Adhere to monthly credit policy to insure the quality, integrity and soundness of all financial analysis, underwriting and credit approval processes for an assigned portfolio within designated region
  • Evaluate creditworthiness of bank borrowers by taking risks mitigate into consideration and aligned business cycle lead time to claim.
  • Negotiate credit disputes with partners to appropriately structure deals and risk rate based on bank credit policy metrics
  • Interact with lenders and clients to understand business and industry trends in the underwriting process
  • Perform annual credit reviews, renewal, modifications and monitoring of existing loans
  • Validate all post loan closing items, including conditions precedent to closing for accuracy and completeness
  • Pinpoint early credit risk/exposure through rigorous analysis of financial statements, including debt ratio analysis, trend reports, peer analyses and testing, collateral analysis and initiate transfers to credit risks when warranted.

Business Analyst

ENOC
01.2016 - 09.2017
  • Participated in the underwriting credit risk analysis, credit structure, negotiation with vendors, and closing of transactions or existing transactions for the Restaurant business (franchise) Popeye's and and Pavous pizza Middle Market
  • Spread financial statements using Moodys Analyst, assessed client's compliance with financial covenants and confirmed accuracy of risk ratings or recommended changes as warranted
  • Underwrote new deals and processed loans renewals, reviews and modifications
  • Analyzed financial data, such as market share and income growth, to determine expected loan profitability
  • Maintained and monitored credit relationships; prepared and approved Financial Account Summary reports and made recommendations to mitigate risks and remedy exceptions
  • Analyzed industry and financial trends of clients in the food and beverage (franchise) industries in addition to our clients financial performance
  • Analyzed and updated pertinent data on collateral, financials, projections, covenant compliance, free cash flow, audit and appraisal statistics, and bank product exposure
  • Delivered financial, industry, economic and other analysis to facilitate decision making and insure adherence to credit policies, guidelines, and applicable regulatory requirements.

Education

MBA - Accounting And Finance

University of Manchester
Oxford Road, Manchester, UK
07.2022

MIS - MIS

Federal University of Arts, Science And Technology
Islamabad
02.2006

Bachelor of Commerce - English

University of Karachi
Karachi, Pakistan
12.2004

Skills

  • Possessed deep understanding of commercial credit underwriting, lending procedures, and credit modeling using data and supervised Machine learning, cluster analysis
  • Fraud analysis and is proficient in working with various departments, making actionable decisions, and using strong communication skills

Languages

English
Advanced (C1)
Arabic
Beginner (A1)

Certification

  • Advanced Financials Modelling provided by Kaplan. Issue date of Nov, 2023.
  • Fintech. Issue by University of Manchester, date of May, 2024
  • FRM Part 1 Certification training issued by FRM e-learning, Dec-2023
  • CMA, IMA membership 00981234234
  • Certified financials risk modelling, CFA, Mar-2024
  • Prince2 certified Project Management, Apr-2016

Timeline

Chief Data and Analytics Officer

GTS
08.2019 - 04.2024

BI Analytics - Card Marketing and Invoicing

ENOC
01.2018 - 12.2019

Business Analyst

ENOC
01.2016 - 09.2017

MBA - Accounting And Finance

University of Manchester

MIS - MIS

Federal University of Arts, Science And Technology

Bachelor of Commerce - English

University of Karachi

Similar Profiles

CREATE PROFILE
Muhammad Anwer