This document provides a summary of Babar Baig's professional experience and qualifications. It includes his current role as Manager Credit at Union National Bank in Abu Dhabi, UAE, with previous experience in similar credit roles at Askari Commercial Bank in Pakistan and Union Bank in Pakistan. His educational background includes an MBA in Marketing/Finance from Humdard University in Pakistan and a Bachelors of Arts degree. Personal details such as contact information, languages, and interests are also provided.

1. BABAR BAIG
Union National Bank, Corporate Credit Division, 9th Floor
P.O Box 3865, Salam Street Abu –Dhabi UAE
Home: 00971-2- 6428704, Mob: 00971-50-1208704
Office: 00971-2-6984511, Fax: 0971-2-6984565
baber_beyg@hotmail.com, baber.baig@unb.ae
AIM
To seek an innovative, progressive and dynamic organization, which compliments my personality and
can bring the best out of me.
EDUCATION
MBA 1995 Bachelors of Arts, 1991-1993,
Major: Marketing/ Finance. Fellowship of Science, Fsc. 1988-1990
Humdard University/ Institute of Leadership & Matriculation, 1988.
Management, Pakistan.
EXPERIENCE
Union National Bank, Corporate Credit Division, Abu Dhabi-UAE.
Manager Credit – June 2007 till date
Area under authority includes Islamic Banking Group, Commercial Finance Division and Real Estate
Finance Division. Also proposals of Al-Wifaq Finance Company (a wholly owned subsidiary of UNB) are
being looked after. Prime responsibility includes the following:
• Carry out credit analysis of proposals originating from allotted Business Teams/Departments to
ensure that the proposals comply with standard credit parameters and bank’s credit policies –
thereby ensuring that the related credit risk is acceptable to the Bank.
• Financial, sensitivity, cash flow, risk and commercial analysis of new / existing projects and
companies.
• Preparation of spreadsheets and operating/ non-operating cash management statements.
• Maintain Management Information System (MIS) on the exposure profile of each relationship
handled.
• Assist HOCCD in the on going review of credit policies and procedures with the agreement
/approval of the Senior Management
• Visit key customers along with Business Divisions/Departments
• Liaise with Credit Administration to facilitate expeditious completion of documentation and
setting up of limits at the disposal of the clients.
Askari Commercial Bank Ltd., Credit Division Rawalpindi.
AVP/Area Incharge -Credit – 2003 November to May 2007
Area under authority includes 31 branches and credit portfolio size of about PKR 12.00 billion
(approx US$ 200 Million). Prime responsibility includes the following:

2. • Appraisal and risk analysis of project financing as well as working capital lines of Corporate and
Commercial customers in accordance with Bank’s credit guidelines & State Bank of Pakistan’s
prudential regulations.
• Financial, sensitivity, cash flow, risk and commercial analysis of new / existing projects and
companies.
• Preparation of spreadsheets and operating/ non-operating cash management statements.
• Organizing and participating in working group meetings relating to new project financing and
various other client issues, along with conducting industry trend analysis.
• Co-ordinating and supporting branches in their marketing efforts to generate quality business from
the market.
Askari Commercial Bank Ltd., Gulberg Branch, Lahore.
Assistant Manager-Credit (Relationship Manager) – July 2000 to 2003 November
Responsibilities of the job included:
• Raising credit-base of the branch by marketing new Corporate & Commercial Relationships.
• Credit Presentation, which comprises making of credit forms, financial spreads, Credit
Memorandums and conducting market checking via Credit Reports and Personal Contacts.
• Completion of pre / post disbursement loan documentation.
• Credit Monitoring, including in-time recovery of Mark-up.
• Detailed Financial Analysis including current & projected Cash Flows.
Union bank Ltd. Ferozepur Road/Shadman Branch & Egerton Road Branch
Officer Credit/ Foreign Trade July 1996 to July 2000
The job entailed the following responsibilities:
• Business generation/ initialization of foreign trade/credits relationships.
• Customer services/ fulfilling customer business needs while keeping in mind the bank’s business
prospective.
• Managing documentation Handling of Imports/Exports Department.
• Keeping in track with latest developments in ICC publication and SBP’s Foreign Exchange manual
TCS Pvt. Ltd.
Manager Tele Marketing October 1995 to June 1996
The job entailed the following responsibilities:
• Handling & setting up of the Company’s Tele-Marketing department. (Building up the Data-Base
& Recruiting & Training of Personnel.
Professional Training
Management Trainee of Union Bank Ltd. (Batch V)
Personal Information
Date of Birth October 09th 1973
Gender Male
Marital Status Married

3. Computer Skills
Proficient in Microsoft Word, Excel, PowerPoint.
Languages
English, Urdu, Punjabi (Little knowledge of Arabic)
Interests
Reading, traveling, music and sports
References
To be furnished upon request