Zafar Mahar

Senior Relationship Manager

Habib Metropolitan Bank (Subsidiary of AG Zurich)

September 2010 to Actually working here

? Marketing of Financial product (assets side) of the bank to target market and negotiation of terms of credit facilities, tenor, pricing, amount, collateral, margin requirement with potential customer.
? Performing thorough Risk Analysis, financial and business due-diligence, market checks, preparation of credit proposals, arrangement of pre and post-approval documentation/requirement etc.
? Thorough analysis of project, understanding to its financials, cash flows, pay back periods, fixed and variable cost analysis, while considering a Project for financing.
? Act as a focal point between the client and different department of banks i.e. Branch operations, Credit Administration and Vender Manaement, Import and Export department and legal affair wing for facilitating he clients day to day business transactions.
? Proper analysis for collateralization, arrangement of Valuation of property, counter checking of market values of collateral, completion of legal formalities for token/equitable mortgage,
? To ensure that all prudential regulations as well as bank?s credit policy requirement are fully met and in exceptional cases, to arrange waiver from competent authority for any deviation thereof.

Relationship Manager

Allied

November 2004 to September 2010

? To perform thorough financial analysis using different analytical approaches i.e. Liquidity judgments, leverage, calculation of cash conversion cycle, profitability and solvency ratio, etc.
? To build, maintain, strengthen and enhance close working relationship with existing customer,
? To perform Risk Analysis of credit proposal from view point of credit, operational , country and market risk in order to give a complete picture to approval authorities regarding risk profile of applicants and expected return from there for taking exposure.
? To Prepare Credit Proposals and put up presentations before higher authorities for vetting and approvals.
? To report watch list account and perform proper monitoring to avoid further down gradation of week portfolio

MBA Finance

Currently studying

MA Economics

Currently studying

Career Goals

Industries of interest

Areas of interest

Availability to travel and work outside the city

No

Interests and hobbies