Aisha

Aisha Bashir Mobile:- Email:-DOB: 22-July-1986 Location: 7 Kimberly Avenue, Stockport Romiley, SK64AB PROFESSIONAL SUMMARY An experienced analyst (VP) with a demonstrated history of working in the financial industry; specialising in International Financial Institutions & Country Risk, Corporate & Commercial Credit. Enriched work experience including but not limited to Investment Banking, Market & operational Risk Management, Credit Administration and General Banking. BBA, ACCA qualified with a technically strong financial accounting background, problem solving skills and ability to work with a team of people from a diverse background. PROFESSIONAL EXPERIENCE VP, Control Specialist at BNY Mellon, UK (March 2023-Present) • • • Lead risk-based control testing by providing assurance over design and operating effectiveness of controls. Coordinate with global teams to ensure proper control and risk management systems are in place throughout the business. Monitoring and analysis of various data points (Error analysis, KRI’s etc) to identify areas requiring greater focus. Senior Analyst- Financial Institutions & Country Risk, International Banking at Habib Bank Ltd. (Dec. 18-Sep. 22) • • • • • • • • Performed country risk analysis to evaluate the country risk associated with a specific country, and to propose limits which are in-line with the business requirements and are in accordance with the applicable policies / procedures. Analyzing/Evaluating the risk and creditworthiness of local & International Financial Institutions (Banks & Supranational) by evaluating their global standing, financial status with emphasis on profitability, asset efficiency, liquidity and capital, past track record with HBL in order to ensure counterparty risk in terms of credit/reputation is minimal and within prescribed Risk Appetite Policy. Utilizing financial data and reporting from Moody’s, EIU and S&P Participated in client meetings/conference calls for information gathering to improve credit analysis. Communication with HBL’s global network to identify requirements to ensure the FI business volume is well supported by offering a suitable product within acceptable parameters. Supported functional transformation initiatives, including processes optimization, definition of common policies and procedures, alignment with bank policies and guidelines Prepared periodic reports for members of the Managing Committees/ Board of Directors including commentary on exceptions to the policies. Worked closely with the treasury front and middle office. Key Achievements • • • • Achieved a 20% reduction in interim reviews by improving overall quality of the analysis in the credit proposal. Worked with the key stakeholders on preparation and implementation of the new country pack format to produce a more effective analysis on a specific country and underlying banks. Highlighted improvements in SNL templates to get more relevant financial data for analysis. Identified and worked with the IT team to automate a procedure saving 20 minutes/ credit proposal. Manager – Risk Management at Pak Oman Investment Company Ltd. (Jun. 14 – Nov. 18) • • To assess and analyze corporate credit requests and provide credit recommendations along with imposition of required covenants to the Head Risk. Quantitative analysis including analysis of financial statements, operating & long-term financing needs a cash flow projections to ascertain repayment capacity of the borrower. • • • • • Qualitative analysis of the credit keeping in view the transaction, market & industry position, collateral adequacy and due diligence gauging account behavior with Financial Institutions and other stakeholders. Prepared reports for the senior management to evaluate long and short-term financing needs of the company. Prepared periodic reports for members of the Managing Committees/ Board of Directors including commentary on financial and KPI data. When needed, supported in the regulatory reporting to the central bank. Act as Liaison for Internal and external Audit. Other Responsibilities and Assignments • • • • • Designated backup to the Unit Head - Market Risk and Operations Risk Handling functions related to Trusteeship of TFC’s and other Syndicates. SECP Reporting regarding debt security transactions. Monitoring of Capital Market activities. Participated in control testing for ICFR and BRR of Advances portfolio. Key Achievements • • • • Increased trusteeship revenue by PKR 1.5 mln by taking new transactions. Achieved a reduced number of interim reviews by improving overall quality of the analysis in the credit proposal. Highlighted inaccuracies in the company’s calculation of Basel III liquidity ratios i.e. NSFR and LCR and saved the company from a possible audit objection and penalty by the central bank. Introduced an improved obligor rating model for ranking borrowers based on their creditworthiness. Assistant Manager – Credit Administration Department at JS Bank Ltd. (May 2012 – May 2014) • • • • • • Submitting Daily Mark-up Outstanding Position Report, Past Due report of corporate loans. Maintaining / changing limits as per instructions / changes in approval. Execute periodic reviews to identify and monitor troublesome accounts through early warning signals and alert management. Maintenance of Drawing power and exposure of clients with respect to stock / Receivable report. Liaise closely with Auditors (internal and external), Risk Management and Regulators Working on nonperforming loans to forecast credit losses. Senior Officer -Remittance C.P.U. JS Bank Ltd. (June 2011 –April 2012) • • • • • Working on T-24 for Incoming and outgoing Payments thru Swift and queries on country level. Worked in all areas of the department which includes, foreign telex transfer, salaries, P.R.I. Dealing with Exchange companies for PRI payments. Submitting daily NOSTRO Balances and Reconciliation of NOSTRO Accounts, Internal Ledgers Any special assignment, reporting, reply for audit observations. Key Achievements • Successful testing and implementation of the banking software T-24. • Identified and worked with the IT team to automate a procedure saving time. EDUCATION- ACCA Bachelors in Business Administration Association of Chartered Certified Accountants Federal University of Management Sciences SKILLS • • • • • • • • Highly organised with strong analytical and research skills and attention to detail. Strong understanding of financial statements for both review and analysis purposes. Knowledge, understanding in the application of KYC/EDD requirements. Excellent problem-solving skills, with the ability to work in a fast-paced environment. Ability to persuade senior stakeholders. Good level of operation risk, audit and investment banking knowledge. Self-motivated, highly proactive and a demonstrated ability to prioritize workload based on impact. Solid team working skills with the ability to manage a team of people from diverse background.