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Sheeraz Habib
M-11, Apsara Apartment No. 3, Block-16, Gulshan-e-Iqbal,Karachi,Pakistan-75300
Email:sheerazhbb@yahoo.com| Mobile: 0092-321-2563473
Professional Overview
A Corporate/Commercial banking professional with a proven track record of effective Relationship & Credit
Risk Management. Adept in meaningful risk analysis, driving strategic growth and optimizing relationship
potential pan Pakistan.
Core Competencies
 RelationshipManagement  Credit,Risk& Financial Analysis  Trade Finance
 Business&EconomicAnalysis  CreditLimits&SecurityStructuring  SyndicationLoans
 CreditMonitoring  Team Building  Internal Audit
Career Snapshot
 KASB Bank Ltd (PresentlyBankIslami Pakistan)
Vice President- CreditManager(Country CreditDivision) Aug 2009– Present
 KASB Bank Ltd
Relationship Manager-MiddleMarket(BusinessBanking Group) Apr 2007–Jul 2009
 PICIC Commercial Bank Ltd (PresentlyNIBBank)
Relationship Manager,Credit& Marketing Jun 2003–Mar 2007
Professional Qualifications
 Junior Associateshipof IBP (JAIBP) 2014
Instituteof Bankers,Pakistan
 CA (Foundation) Examination 1997-1998
Instituteof Chartered Accountantsof Pakistan
Academic Qualifications
 Masters in BusinessAdministration (Finance) 2001-2003
Bahria University,Karachi
 Bachelor of Commerce 1995-1996
Universityof Karachi
Career Profile
KASB Bank Ltd (PresentlyBankIslami Pakistan) August, 2009 - Present
Vice President- CreditManager(Country CreditDivision)
Responsibilities:
 Pre-sanction analysis & review of 150 approx. Corporate, Commercial & SME relationships with
funded and non-funded exposure of Rs. 7.5 B
 Keep update on SBP Prudential Regulations, industry, economic factors & financial statements.
 Analyze financialspreads andcommentonthe same,decide on structure of the credit facilities to be
proposed, identifying risks/deviation in the proposal with suggested mitigates.

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 Prepare Credit Review Note for Credit Approvals recommended by Business Segments and make
recommendations to the Country Credit Officer (CCO) for onward submission to Central Credit
Committee (CCC) for their consideration.
 PeriodicallyvisitCorporate/CommercialclientswithBusinessUnitsaspartof the evaluationof acredit
proposal and/or to understand the market dynamics.
 Continuous review of credit exposure to identify early warning signals at risk through
management/monitoring of allocated portfolio for renewals, limits dropping, etc.
KASB Bank Ltd April,2007 – July,2009
Relationship Manager- MiddleMarket(BusinessBanking Group)
Responsibilities:
 Manage a portfolioof 18 Commercial Relationshipsfromdiverse industrybase.
 Formulate and implement intensive relationship management strategy to maintain and deepen
commercial/corporate customer’s share of wallet within the managed portfolio.
 Achieve financial targets of Assets, Trade and Liabilities (Deposits) set in the Annual Budget.
 Preparationof creditproposalsforthe considerationandapproval of competentauthority,evaluation
of financial strengthandoperatingperformanceof the customersfor assessmentof creditworthiness.
 Exploring customer needs, ensuring customer needs are met through Relationship/Client
Service/Cross-sell plans in order to maximize business development opportunities.
PICICCommercial Bank (PresentlyNIBBank) June,2003 – March, 2007
Relationship Manager-Credit&Marketing
Responsibilities:
 Develop strategic institutional relationships through new customer acquisition.
 Tailoring banking services within Assets and Trade categories, to provide client-specific solutions.
 Creating sound credit proposals analyzing country, industry and business risks.
 Credit Management/Monitoring of the approved credit lines with respect to business performance
and conduct of the account.
 Follow-up with the clients marketed/visited in order to obtain relevant/necessary
documents/information from the clients required for processing of credit applications.
 Ensuring perfect execution and completion of security documentation in consultation with credit
support unit (CSU).
Seminars and Workshops
 CFO Conference, 2015 on Sustaining Excellence & Shifting Gears-PC Hotel, Karachi
 Intermediate Seminar on Credit-Institute of Bankers, Pakistan (IBP).
 Analysis of Financial Statements- KASBIT Institute.
 SMEs Financing- PICIC Management Institute (PMI)
 Secured Lending & Documentation- Institute of Bankers, Pakistan (IBP).
 Credit Analysis for Prudent Lending- Marriott Hotel, Karachi.
 Leading, Coaching and Delegating (LCD)-Marriott Hotel, Karachi
Personal Profile
 Date of Birth:December26, 1976
 Marital status:Married
 Dependants:3