SYED BILAL HUSSAIN ANDRABI
Apartment #.37G, St #.11, Askari IV, Rashid Minhas Road, Karachi, Pakistan.
Tel: 92- 021-34019882 / Cell 0333-4242897
E-mail: bilalandrabi@hotmail.com
OBJECTIVE
To work for a dynamic, professional and target oriented organization which can provide a
challenging position for development of professional skills and opportunity for a promising
career.
EXPERIENCE
January 2012 to date
NIB Bank Ltd Head Office, Karachi. (subsidiary of Temasek Holdings, Singapore)
Lead Underwriter-Senior Vice President SME & Commercial-Risk
(PAN Pakistan)
Present Job Brief:

Lead 08 member team including Underwriters, Senior Analysts and Early Warning
Officers.

Responsible for all aspects of risk management besides AML and Compliance

Analyze and approve lending proposals according to the risk acceptance criteria of
the Bank, prudential regulations of State Bank of Pakistan and other regulatory
requirements.

Assessing business, financial risks relative to each customer/proposal and
accordingly award risk rating to each proposal.

Managing portfolio: rating migration, concentration, warning sign monitoring,
stipulating conditions to capture through periodic reporting and initiating timely
actions to avoid NPLs / watchlists.

Operational Risks: Periodic oversight on ops risk aspects, that includes effective
implementation of policies & procedures, AML/Compliance and bring about
improvements in several aspects of Ops Risk management to control
frauds/errors/ reputation risk. Periodically report and resolve ORM issues.

As Acting SCO approve credit proposals of both Corporate & Investment Banking
and FI’s which apart from corporate clientele also includes lines for Insurance
Companies, Bank exposure Lines, facilities to Brokerage House and lines for
Money Market deals)

Supervise periodic portfolio review for SME, Commercial and Corporate.

Coordinator from Risk for Central Bank audit.

Risk Policy Review of both SME/Commercial and Corporate

Conduct country wide customer visits to support Business
March 09 to December 11
NIB Bank Ltd., Head Office, Karachi. (Subsidiary of Temasek Holdings, Singapore)
Team Leader-Business-Vice President (Commercial Segment-South Region)

Lead Business Team of 09 resources which included SRM, RM and Portfolio Officers.

Supervisory role to raise / maintain profitability of Region by generating business
through lending to Large Commercial clientele.
Jul 08 to February 09
NIB Bank Ltd SITE, Karachi. (Subsidiary of Temasek Holdings, Singapore)
Unit Head-Business (Vice President)-SME & Commercial


Lead Business Team of 04 resources which included SRM, RM and Portfolio Officers.
Supervisory role to raise / maintain profitability of unit by generating business through
lending to SME & Commercial clientele.
March 08 to June 08
Royal Bank of Scotland (RBS), Lahore.
Unit Head-Business (Asst. Vice President)-SME & Commercial

Supervisory role to raise / maintain profitability of unit by generating business through
lending to SME & Commercial clientele.
February07 to February08
Habib Bank Ltd., Lahore.
Asst. Vice President -Branch Manager (Retail Branch)


Supervisory role to raise / maintain profitability of unit by generating business through
both deposit and lending based products.
Responsible for Unit Operations, KYC & AML Compliance, Regulatory compliance and
maintaining satisfactory audit rating
December 00 to January 07
Askari Commercial Bank Ltd.
Spent over 6 years and gained diversified experience which enhances the overall professional
skills, enabling to perform in senior position.

In supervisory role rendered services as Operations Manager, Manager Credit
(Consumer)-Mortgages & Personal Loan and Unit Manager Import & Foreign
Remittances



Performed duties as officer in given below areas;
Export Department- Negotiation / Discounting and collection of Trade Bills
Import Department-L/C Opening, Lodgment & Retirement
Foreign Exchange Department- Foreign Remittances through SWIFT, Foreign
Demand Drafts, Foreign Bills for Collection, Foreign Term Deposit Receipts, Traveler
Cheques

July 99 to December 00
Bank Al-Habib, Head Office, Karachi

L/c Centre (Imports)- L/C Opening, Lodgment & Retirement

Six month on the job training with management trainee batch.
June 98 to June 99
American Express Bank Limited, Head Office, Karachi
In Financial Institutions Group, my responsibilities included:

Business Development

Reconciliation of NOSTRO Accounts.

Export Bill Collection

Import Bills Reimbursement System.

Execution of Individual and Bank to Bank payments through SWIFT.
Professional Qualification
5 modules qualified for OMEGA Certification

Introduction to Accrual Accounting

Accounting for the operating cycle

Accounting for capita investment

Accounting for liabilities and equity

Financial Statement Analysis
EDUCATION
Masters of Business Administration 1995-96
Punjab College of Business Administration
Lahore, Pakistan.
Major in Finance (CGPA 3.10)
Bachelor in Commerce 1992-94
Punjab College of Commerce, The Punjab University Lahore, Pakistan.
High School 1990-91
All India Senior Secondary Examination, New Delhi, India.
COMPUTER SKILLS
 MS Word, MS Excel, MS Power Point, DBASE
 Banking Software- UNIBANK, BANKPLUS, MISYS, PIBAS, T24 (Temenos)
OTHER DETAILS
Marital Status- Married
Date of Birth- March 23, 1974
Passport #.AN1777761
Countries visited- India and Singapore.