Parvaze Attaullah Mohammed Attaullah Khan
Mississauga
Summary
Result oriented professional with over 25 years of experience in Commercial Banking, Credit and Financial Analysis, Risk Analysis and Management, Relationship Management and Business Development. Extensive experience of rendering Financial Services to clients across industries, applying both Conventional Banking and Islamic Banking structures. A strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact organization's success.
Overview
25
25
years of professional experience
Work History
HEAD - CONTRACTING UNIT, COMMERCIAL BANKING GROUP
DUKHAN BANK
2015.08 - Current
- Job responsibilities include Implementation of Departmental Policies, Procedures and Budgeting within my team.
- Manage a team of corporate officers and managers.
- Develop, track and re-adjust Team-wise profit and balance sheet plan in coordination with Head of Corporate and other Corporate Teams.
- Allocate Team plan amongst the team members and track progress/deviations.
- Grow the Team assets portfolio and liabilities in accordance with departmental plans and strategy.
- Ensure growth in corporate banking portfolio and income by optimizing the relationship value and cross sell.
- Currently managing a portfolio in excess of QAR 3 Bn of large corporate contracting entities.
- Successfully financed and managed Q-Rail Station contracts of aggregate value of QAR 2+ Bn, Stadium contracts of around QAR 2+ Bn, HIA Expansion works contracts of around QAR 2+ Bn, Water Pumping stations contracts of QAR 1.5+ Bn, Shutdown maintenance contracts with O&G sector of QAR 3+ Bn, and several Roads & Infra contracts of another QAR 3+ Bn.
- Stood runner up for Bank wide “Deal of the Year Award” for 2 consecutive years during 2018 & 2019.
SENIOR MANAGER, COMMERCIAL BANKING GROUP
WARBA BANK
2015.01 - 2015.07
- Job responsibilities included, conducting assessment of financing proposals, negotiation and structuring loans, which include working capital and contract specific project facilities
- Carry out detailed evaluation study of project feasibility based on cash flows, debt servicing capacity, internal rate of return and essential qualitative factors, to assess its viability and recommend financing the project
- Identify and minimize all credit risk - compliance and fraudulent activity to protect the Bank from potential loss on credit portfolio.
SENIOR BANKER & Acting HEAD OF CORPORATES UNIT, WHOLESALE BANKING DIVISION
KUWAIT FINANCE HOUSE
2013.07 - 2014.09
- As part to the Commercial Banking Division, entrusted with the responsibility to lead and manage a team of 8 - 10 relationship managers / officers towards accomplishment of business targets in the most effective and efficient manner
- Review all Credit proposals prepared by credit officers and relationship managers for qualitative and quantitative standards before forwarding the same for necessary approvals to the Credit & Board Committees
- Responsible for overseeing the overall action plans for addressing control weaknesses or compliance issues noted by Internal Audit Department, external auditors or the Compliance function.
- Establish SMART KPI’s for the team members and assess their achievement & performance on a regular basis.
- Manage all administrative operational aspects of unit personnel (e.g. leave schedule, training, appraisal, etc.) in accordance with established HR policies and procedures.
- Managed commercial credit portfolio accounts in excess of US$ 1.5 Billion.
- Developed a profitability spreadsheet (excel platform) to calculate the RAROC & RoRWA returns of each relationship under review to ensure minimum hurdle rates set forth by the management is achieved.
- Efficiently handled a number of large value financing deals averaged between US$ 350 - 500 Million each.
UNIT HEAD CONTRACTING, COMMERCIAL BANKING GROUP
AL-AHLI BANK OF KUWAIT
2001.04 - 2013.06
- Implement the bank’s approved strategy / plan to facilitate achievement of related short and long term business goals in the most effective and efficient manner
- Approve / amend Key Performance Indicators for the purpose of performance monitoring and quality measurement of the Contracting Division and systematic monitoring of the achievements
- Managing the credit risk for the Corporate Banking clients to promote strong asset quality through development of prudent procedures and controls to ensure the credit approval process is responsive to customer needs
- Implement strategies to protect the Bank from potential loss on credit portfolio by detecting early warning signals of risk, spreading and interpretation of financial data, questioning adverse or unusual developments with RMs, to take actions for safeguarding Bank’s interest and recovery of bank’s dues in time.
- Review all Credit proposals prepared by credit officers and relationship managers before forwarding the same for necessary approvals to the Management Credit Committee & Board Credit Committee.
- Perform adherence to Group, Central Bank and anti-money laundering Policies and procedures.
- Manage the development and subsequent implementation of Commercial Banking best practices across all activities / operations comprising the Contracting unit to promote efficiencies in work processes, ultimately resulting in increased customer satisfaction.
- Endeavour to enhance, maintain and deepen relationships with existing corporate customer base, as well as building new relationships.
- Responsible for overseeing the overall action plans for addressing control weaknesses or compliance issues noted by Internal Audit Department, external auditors or the Compliance function.
- Possess a superior knowledge of the corporate banking business, its products and related risks together with a good knowledge of operations and control.
- Credit portfolio reviewed & managed during the tenor as Unit Head, stood in excess of US$ 1.5 Billion.
- Developed a spreadsheet (excel platform) with necessary ratio analysis to reclassify corporate client’s financials to provide a snapshot view of their financial strength & weakness.
SENIOR RELATIONSHIP MANAGER - CONTRACTING UNIT, CORPORATE BANKING DIVISION
AL-AHLI BANK OF KUWAIT
1999.06 - 2001.03
- Conducted assessment of financing proposals, negotiation and structuring of loans which included working capital, construction facilities
- Carried out detailed evaluation study of project feasibility based on cash flows, debt servicing capacity, internal rate of return and essential qualitative factors, to assess its viability and consider financing the project
- Analyzed contract financing for local & Iraq projects and structured facilities appropriate to its need
- Identified and minimized all credit risk – compliance and fraudulent activity to protect the Bank from potential loss on credit portfolio.
- Coordinated and managed periodic credit reviews of the facilities granted.
- Ensured the Bank Credit Policy is strictly adhered to. Maintained increased portfolio growth and corporate profitability, managed portfolio’s credit and operational risk.
- Developed and implemented plans for sourcing new business prospects and developing new customer relationships.
- Trained and motivated team of Relationship Management professionals to achieve the business objective and revenue targets.
- Successfully financed contracts with US Forces valued around US$900 Million, advancing credit facilities of approx US$ 300 - 400 Million.
- Handled a sizeable portfolio of corporate accounts with aggregate limits of over US$ 1 Billion
CREDIT ANALYST, RISK MANAGEMENT DIVISION
GULF BANK
1999.06 - 2001.03
- Compared items such as liquidity, profitability, credit history and cash, with other companies of same industry, size and geographic location
- Analyzed such factors as income growth, quality of management, market share, potential risks of industry and collateral appraisal
- Analyzed credit information in order to determine the risk involved in lending money to customers
- Identified potential lending liabilities by analyzing financial performance of, and credit risk in lending to small and middle market companies
- Responsible for loan administration such as preparation of loan documents, disbursement and repayment of loans.
Education
MBA - Finance
Victoria University of Technology
Melbourne, Australia06.1998
Bachelor of Commerce - Finance And Accounting
Madras University
Chennai, India06.1994
Skills
Credit Risk Management
Financial Modeling
Project Financing
Facility Structuring
Client Relations
Strategic Planning
Collaborative Networking
Credit Analysis and Review
Business Development
MIS Reporting
Timeline
HEAD - CONTRACTING UNIT, COMMERCIAL BANKING GROUP
DUKHAN BANK
2015.08 - Current
SENIOR MANAGER, COMMERCIAL BANKING GROUP
WARBA BANK
2015.01 - 2015.07
SENIOR BANKER & Acting HEAD OF CORPORATES UNIT, WHOLESALE BANKING DIVISION
KUWAIT FINANCE HOUSE
2013.07 - 2014.09
UNIT HEAD CONTRACTING, COMMERCIAL BANKING GROUP
AL-AHLI BANK OF KUWAIT
2001.04 - 2013.06
SENIOR RELATIONSHIP MANAGER - CONTRACTING UNIT, CORPORATE BANKING DIVISION
AL-AHLI BANK OF KUWAIT
1999.06 - 2001.03
CREDIT ANALYST, RISK MANAGEMENT DIVISION
GULF BANK
1999.06 - 2001.03
MBA - Finance
Victoria University of Technology
Bachelor of Commerce - Finance And Accounting
Madras University
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