Muhammad Murad Khan
Underwriter-Credit Risk Analyst
Islamabad
Summary
Results-driven Underwriter-Credit Risk Analyst and former Lead Financial Analyst with extensive experience in credit risk and capital markets. Skilled in assessing risk levels for lenders through comprehensive financial and credit risk analysis. Diligent and committed to upholding industry standards, regulatory frameworks, and best practices with precision and integrity.
Overview
7
7
years of professional experience
Work History
Underwriter-Credit Risk Analyst
Vartana
09.2023 - Current
- Ensure compliance with KYB/KYC protocols daily by verifying customers and businesses against OFAC and other sanctions lists, checking business registration details, entity types, jurisdictions, and cautionary industries.
- Regularly assess compliance with internal credit policies, analyzing entities based on key factors like business duration, registration status, and more.
- Conduct detailed credit assessments, pulling and reviewing data from relevant bureaus to evaluate creditworthiness, including loan history, repayment behaviors, liens, UCC filings, and high credit limits.
- Apply a structured method to approve, decline, or assign credit ratings, determining appropriate credit extensions according to credit policy guidelines.
- Perform ongoing financial analysis on CPA-approved/audited financial statements (balance sheets, income statements, cash flow statements, tax returns, 10-Ks), focusing on key metrics such as DSCR, FCCR, leverage, EBITDA margin, and profitability ratios.
- Draft comprehensive reports summarizing financial analysis to support or reject credit extensions.
- Actively participate in discussions to enhance underwriting processes, leveraging AI technologies to improve efficiency and accuracy in credit assessments.
- Collaborate daily with Account Managers, vendors, and customers to streamline deal approvals and ensure smooth communication across various stakeholders.
- Regularly analyze deals that need syndication with partner banks and financial institutions, presenting scenarios for approval and negotiating terms and conditions.
Lead Financial Analyst- Transactions
S&P Global Market Intelligence
10.2021 - 09.2023
- Tasked with extracting, analyzing, and standardizing essential financial data on capital and equity market transactions, with a specific focus on IPOs, follow-on offerings, and IDO offerings across diverse regions, including APAC, LATAM, MENA, and North America.
- Produced precise, comprehensive insights as a finalized product for S&P Global, ensuring clients received accurate, region-specific financial information to aid in strategic decision-making.
- Regularly participated in training programs to enhance skills and knowledge, staying up-to-date with dynamic industry trends and evolving market standards.
Editor-Transcriptions Department
S&P Global Market Intelligence
07.2021 - 10.2021
- Focused primarily on producing publication-ready transcripts of earnings calls, leveraging AI technology to handle high-speed, multi-speaker transcription that involved specialized terminology related to finance, business, profitability, shares, and debt levels.
- Ensured that the final transcripts met strict quality standards before being published on the Capital IQ (Capiq) and Capiq Pro platforms, where they served as a critical resource for investors, institutions, and other stakeholders.
- Also contributed to the compilation of business information, including detailed profiles of private companies, to support informed decision-making for various clients.
CUSTOMER SUPPORT EXECUTIVE
Tribe Consulting
03.2020 - 12.2020
- Managed inbound order-taking for Papa John’s (USA) through CRM, efficiently handling customer interactions and processing payment information.
- Provided support to multiple stores via phone and email, resolving customer queries and ensuring smooth service.
- Consistently recognized as a top performer with one of the best Average Handling Times (AHT), maintaining perfect quality scores and high-volume productivity.
Intern
Ministry of Finance
05.2017 - 08.2017
- Interned at the Economic Affairs Division (EAD) of Pakistan, gaining insights into standard operating procedures within federal ministries and the functions of EAD.
- Learned about external debt management, including the authorization of remittances, compilation, accounting, and analysis of economic assistance from foreign governments and organizations.
- Gained hands-on experience with the Debt Management and Financial Analysis System (DMFAS), version 5.3, a software tool designed to manage public and publicly guaranteed external debt.
- Contributed to the EAD Computer Center project in collaboration with the World Bank and UNCTAD, drafting the final summary proposal for the upgrade of DMFAS from version 5.3 to the latest version 6.
- Developed a comprehensive understanding of the coordination required among the thirteen wings of EAD for effective management of external economic assistance.
Education
BBA - Business Administration And Finance
COMSATS UNIVERSITY
Islamabad 04.2001 -
Skills
Financial Analysis
Analytical Skills
Business Administration
Trade Finance
Credit risk analysis
Financial Ratio Analysis
Salesforce
MS EXCEL
SQL
Underwriting
Communication Skills
Stakeholder Management
Languages
Urdu
Native language
English
Proficient
C2
Timeline
Underwriter-Credit Risk Analyst
Vartana
09.2023 - Current
Lead Financial Analyst- Transactions
S&P Global Market Intelligence
10.2021 - 09.2023
Editor-Transcriptions Department
S&P Global Market Intelligence
07.2021 - 10.2021
CUSTOMER SUPPORT EXECUTIVE
Tribe Consulting
03.2020 - 12.2020
Intern
Ministry of Finance
05.2017 - 08.2017
BBA - Business Administration And Finance
COMSATS UNIVERSITY
04.2001 -
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