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Zain Kazmi
LinkedIn Profile: https://au.linkedin.com/in/zain-kazmi-aci-47a4b235
24/17-21 StanleySt  Bankstown, NSW 2200  0416 399 400  szrk@live.ca
 Commercialbanking professional with over nine years of experience intreasury, trading, customer service, portfolio management,
client relationship and credit risk management, skilled in establishing and maintaining constructive client relationships.
 Expert in carryingout conversations with clients to understandtheir bankingneeds, equippedwithsounddecision-makingand strong
analytical skills to provide innovative solutions to clients, while managing financial and business risks.
 Experiencedin managingportfolios of regular and distressedrelationships withincorporate andbusiness banking segments, with a
proven ability to exceed targets while working in sales -driven environments.
 Graduate in BusinessAdministration, Certified in Financial Market from Association of Cambsite Intern ational (ACI) France.
Core Competencies
 Trading & Market Intelligence  Effective Relationship Skills  Financial Modelling
 Asset & Liability Management  Exposure To Cash Flow Based Lending  Portfolio Management
 Sound Understanding ofFinancial Statements  Sound Business Acumen  Strong Credit Risk Assessment Skills
 Expert In Credit & Investments Applications  Mortgage and financial solutions  Project Management
Personal Strengths
 Strong Trading & Decision Making Skills  EstablishedSales & Negotiation Skills  Well-Developed Interpersonal Skills
 Good inPrioritize Work& HandingPressure  Exceptional Communication Skills  Strong Problem Solving Skills
 Excellent Time Management Skills  Highly Flexible, Creative, and Organized  Team Building & Leadership
Career History
June 16- To Date
Feb 16 – June 16
Senior Analyst Treasury & Risk - Client Support (APAC-Region)
Reval – Single Solution. Total Visibility
Sydney
 Resolve customer problems and handle issuesrelatedto the use of REVAL promptly and effectively and
recognize when to escalate customer issues to other internal team members and departments .
 Manage customer expectations in terms of promptness and adequate resolution of issues .
 Understand the reported issuesandrequirements in order of priority and act as a point of contact for
immediate response to customers'queries andprovide responsive follow-up service to the customer.
 Developandapplyknowledge ofREVAL modules in financialtrading, risk management, General Ledger and
back office.
 Apply operational support to client services as per the operational process .
 Champion andencourage the promotionanddeliveryof practices which drive up Customer Satisfaction
through all aspect of the business.
Business Consultant (Local Mortgage and Finance)
Prestige Mortgage and Finance Solutions
Sydney
Responsibilities
Achievements
 Implementinglead generation strategies, attending to initial customer enquiries, completing loan
applications andcollectingsupporting documents, lodging applications with either credit departments or
lending institutions and following the loan through to ensure settlement
 Complete regular compliance reporting.
 Thoughtfully prepare concise and well -reasoned credit correspondence.
 Assess financial documentation to support ongoing life servicing of commercial lending facilities.
 Build and maintain effective working relationships with banks and private lending institutions
 Deals inhouse loan, commercialloan, asset financing, business loan, business solution and financial
planning and protection.
 Built an intensive client database for proper management information
 Achieve 35% more than the quarterly target of mortgage loan settlement.
 Built excel base model for client borrowing capacity and risk profiling.
May 08 - Feb-16 Silk Bank Limited (www.silkbank.com.pk)
SilkBankis a commercial bankwith a balance sheet size of $ 10 Billion. Silk bankis a joint consortium of four
corporate giants ( International Finance Corporation, Nomura holding, Bank Muscat & Sintos Capital)

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July 13 – Feb 2016 Manager Treasury and Sales - Wholesale Banking
South Asia
Responsibilities  Manage the team oftraders andresponsible for maintaining statutory reserve requirement, foreign
exchange exposure limit, net openpositionlimit, branch liquidity management and compliance to all
internal and external limits on daily basis.
 Profiledandanalysedinvestment products to develop customizedfinancial strategiesfor bank andclients'
financial needs
 Closelymonitoredthe performance of current secured and un-secured portfolio and made changes to
achieve performance targets.
 Identifiedproblemareaswithin the loan portfolio, analysed risks and suggested appropriate solutions.
 Created quarterly earning presentations and monthly ALCO presentation to Senior Management
 Analyzed budgets, financial reports and projections for accurate reporting of financial standing
 Developed annual budgets in collaboration with the financial controller
 To demonstrate high qualityof work andperform unit test to build robust, error-free Treasury system
through in-house development.
 Manage a portfolio ofcorporate andbusiness banking customers from sectors like commerce, financial
institutions, contracting, manufacturing, energy, food, transport, and services.
 Interviewclients to understandtheir business model and determine banking needs. Develop on these
discussions to identifybusiness opportunities and structure credit facilities and b anking solutions.
 Analyse complex transactions, and carryout in-depth analysis of clients’ financial statements.
 Complete lending proposals, including renewals and ad hoc deal -based credit transactions, get them
approved, and follow them through till compl ete funding.
 Analyse clients’ financials to review the level of risk and determine debt servicing capacities.
 Complete annual renewals of credit lines along with funded and non -funded facilities for clients
 Ensure timely documentation / security perfection, and compliance of policies & regulations.
Achievements  Book a capital gain of PKR 620 Million against the budget of PKR 150 Million in 2015.
 Took maximumadvantage of downward rallyof interest rate byincreasing investment duration & portfolio
by 40% before a -300bps shift in policy rates.
 Achieved 30% business growth, inanassigned geography in 2015, by recommending modifications to
corporate sales andwealthmanagement strategyandintroducing a new product in government bonds.
 Increasedbusiness process efficiencies through resolution of some critical documentation issues in
consultation with bank’s legal counsels.
 Rectifiedmigrationrelated technical and accounting issues within core banking system using sound
knowledge of banking operations as well as working knowledge of IT systems.
 Managedto maintainsatisfactoryaudit ratingthroughout byensuringstrict compliance of bank’s internal
policies and external regulations.
July 10 – June 2013 Senior Dealer Rates and Institutional Sales - Wholesale Banking
South Asia
Responsibilities  Responsible for managing trading book and remain within trading limit at all time
 Provide narrow bid offer quoted on Reuters, Bloomberg and to broker on phone.
 Pitch clients for financialproducts including unsecured lending, bonds, derivatives & mutual funds.
 Created and maintained precise and accurate models, product pricing, charts and reports.
 Consolidatedfinancial data andmaterials for investment committee and corporate sale clients update.
 Built and maintained databases for forecasting future financial performance
 Provide direct customer support andadvice oninvestments andconsumer financingsolutions. Accredited
to approve secured and unsecured consumer credit facilities.
 Cross-sell bank’s products andservices to suit clients’ requirements, andcoordinate withother segments to
provide full solution to client and capture maximum share of business.
Achievements  Silk bank was named amongst the price maker in the market
 client base growth in 2011 was 61.5% and 83% from 2011-2013
 Investor portfolio service account (IPS) increased from 150 to 450 in 3 years
May 08 – June 2010 Dealer Money Market and Derivative Trading - Wholesale Banking
South Asia
Responsibilities  Perform Balance sheet and liquidity Management of the bank.
 Perform Reserve & Gap management
 Trading domestic fixed income and money markets.
 Structuring plain vanilla interest rate derivatives transaction.
Achievements  Earn on average 42% more than budget Net Revenue From Funds
 Book a capital gain of PKR 350 Million against the budget of PKR 75 Million in 2015.
 Capitalized onhighest peak ofpolicyrate of 15% andbuilt handsome portfolio at a weightedaverage yield
of 14.50% which in 3 months have a revaluation gain of 550 million
 Awarded Silk Bank top performer award in 2008 and 2009

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Nov 07 - May 08
Responsibilities
Treasury Officer
Pak Brunei Investment Company
South Asia
 Perform Balance sheet and liquidity Management of the bank.
 Trading domestic fixed income and money markets.
 Provide direct customer support and advice on investments.
 Manage client portfolio and trade in Cash, Money Market, Bonds and Repos
Professional Qualifications
FSRA Tier 2* April 16
Kaplan Professional Education (Australia)
Certificate in Financial Market Oct 11
Association of Cambsite International (ACI), France
Academic Qualifications
Master ofBusinessAdministration (Finance) Dec 08
Institute of Economics and Technology
Bachelor ofBusinessAdministration -Honours (Finance) Dec 07
Institute of Economics and Technology
References
Available upon request