Experience

Standard Chartered Bank Pakistan, Corporate Banking

Associate, Financial Institutions  March 2007- September 2009

Understanding of the business models of banks and non-bank Financial Institutions and engaging and  interact  with  them and  product  partners (Debt Capital Raising, Transaction Banking, Treasury)  to identify needs of the clients in the above segment through in depth knowledge of their business models and identify the right product and facilitate deal flow through correct pricing and adherence to time line for deal closure through timely preparation of documentation: Namely, Facility letters, Finance agreements, ISDAs, Charges, Guarantees and Term Sheets

Credit Risk Analysis and Financial modeling: Undertake annual/initial  reviews of clients through financial modeling and statement analysis for the investors and intermediaries portfolio and new to bank clients to identify Credit Risk and Cash  Flows,  by  determination  of  Risk  Grades  (CRGs)  Collateral,  Basel  compliant  Risk  calculations

Relationship management and team leader: Relationship manager and team supervisor reporting to Director at SCB corporate banking. Managing relationships with 18 financial institutions, offering banking services ranging from Derivatives, overdraft facilities, structured long term lending, to other Corporate Financing options

Achieved revenues of USD 4 Million for 2008 and USD 3.1 Million for 2009 through the following transactions:

Interest Rate Swaps (Two transactions)

FX Options (One Transaction)

Loan Disbursements (Three Transactions)

Transaction Banking (Seven Contracts)

Islamic Sukook and Syndication (Two Transactions)

Local/Foreign Custody (Portfolio consisted of top 15 world brokerage houses)

Structured Trade Finance (Two transaction in the leasing industry)

BMA Capital Management Ltd, Karachi, Pakistan

Associate, Corporate Finance and Advisory             May 2006- Feb 2007

Financial  Modeling  and Analysis:  Analyzed  and  made  financial  models with  scenario  analysis  for  project  feasibility, return and price determinationProposal  presentations:  Made  detailed  proposals  and  presentations  for  Investors  and  Advisory  Clients  for  deal structuring options, pricing  etcDue Diligence: Helped to prepare data rooms for due diligence, made checklists, obtained and maintained documentationLegal  and  Regulatory  Issues:  Liaised  with  lawyers  and  regulators  for  opinion  and  analysis  relation  to  listings  and product/transaction structuring

Worked on the following Deals to generate revenues of USD 357K

Advisory - Buy Side advisory to Bank Muscat and Nomura for the acquisition of Saudi Pak Bank

Advisory – Proposal for advisory services relating to Etisalat’s expansion in Africa (Nigeria/Kenya)

Advisory - Team member on advisory services offered to HBFC for REIT formation. Studied REIT rules and prepared analysis of draft REIT rules vis-à-vis pros and cons relating to HBFC’s intended REIT offering

GDR  –  Lead  Advisor  for  Listing  of  US$  821m  Global  Depository  Receipts  of  Oil  and  Gas  Development  Company  Limited  (OGDCL Pakistan) on the London Stock Exchange

IPO – Lead Arranger for IPO of Central Depository Company

Financial Modeling: Developed short and long-term valuations/price targets for listed companies using financial models and comparative analysis on excel

Equity research analysis: Studied the financial performance of listed companies and undertook fundamental analysis (ratio analysis, financial modeling and valuation) to formulate investment advice for institutional and retail clients in the form of equity research reports.

Fund Management: Recommended stock picks for AIB’s provident fund portfolio along with the equity sales team

Client Management: Met with client institutions, individuals as well as company MDs and CFOs to help them formulate profitable investment portfolios and strategies

Presentations: Developed  and  conducted  presentations  of  materials,  models,  findings,  and  conclusions  for  institutional clients

In-depth Reports: Wrote detailed reports on Pakistan’s Telecom, Auto and Textile Sectors (Copies available)

Industry  Sectors:  Macroeconomic and International TradeCovered  Telecom,  NBFIs,  Auto,  Synthetics  and  Textile  Sectors,  plus  provided  analysis  of  Political

Public  Relations:  Expressed  views  on  Pakistan’s economy  and  the  financial  markets  to  represent  company  investment