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Work Background
LAKELAND CREDIT UNION LIMITEDSenior Relationship Manager (Commercial)
Oct. 2023 - Mar. 2024Cold Lake, Alberta, CanadaSuccessfully maintaining daily relationship building routines including telephonic and one-on-one interaction with credit union members and supporting them in their borrowing needs.
Working with existing members to bring all past due relationships up to date by submitting annual reviews based on financial reports and searches.
Mortgage Scout Inc. Licensed Mortgage Agent
Dec. 2022 - Oct. 2023Toronto, Ontario, CanadaLeveraging the contacts I had developed in my earlier experiences in Canada, I continued to provide mortgage lending services to clients, and placed a wider variety of lenders and solutions at their disposal.
CIBCMobile Mortgage Advisor
Jul. 2020 - Aug. 2022Greater Toronto Area Metropolitan AreaI had the honour to work with an extremely competent set of peers in an industry sector that taxed all my prior experience and acquired skills to the limit. Becoming an active part of the process of helping people fulfill their dreams of owning their homes and crossing an important milestone in their lives was one of the most fulfiiling experiences of my life.
Synergy Consulting, Inc.Director - Infrastructure Projects Financing & Advisory
Jun. 2019 - Mar. 2020Riyadh, Saudi ArabiaAs a transaction specialist, the position required me to execute and advise on various aspects of Infrastructure Financial Advisory including Bid Advisory, contract analysis, financial due diligence, credit enhancement mechanisms; this included Business Valuation and Investment Analysis supported by sophisticated financial models.
The process included working on different stages of project development, from early stage feasibility analysis to equity raising, debt raising and due diligence, negotiations of commercial and contractual aspects of the projects with banks / financial institutions, contractors and other third parties, culminating in the achievement of financial close.
I provided my services contractually through my consulting company Burl & Kench Ltd.
COLDPOINT GROUPVice President Business Operations
Jan. 2018 - May. 201998 Norfinch Drive, North York (ON)The Coldpoint Group is composed of a group of SME companies involved in the supply and installation of insulated panels and doors for large sized storage facilities, and in the manufacture and production of commercial refrigeration equipment. Working as the VP of Business Operations contractually through my consulting company Burl & Kench, I managed the following activities and relationships for the Group:
• Financial Controller for all group companies and managing the banking relationships thereof; • Liaison with the sales and production units in Ontario and British Columbia for current completion and future contract marketing status; • Vendor and client relationships to ensure input supply and completion of scheduled production jobs; • Supporting the Group President in daily management and long term strategic and legal decisions; • Managing a small team of book-keepers for cash management production of periodic accounts; • Managing the human resources of the companies, including payment of salaries and benefits; • One-Window Interaction with External Accountant for preparation of financial statements, tax filings and payroll deductions; • Implementation of Inventory Management software.
RBCBusiness Account Manager
Mar. 2017 - Dec. 2017Etobicoke, (ON), Canada
RBCSenior Account Manager - Business & Personal Banking
May. 2016 - Feb. 2017Vaughn, OntarioTrainee Account Manager
The Saudi Investment BankHead of Syndications, Project & Structured Finance
Aug. 2012 - Jun. 2015Riyadh, Saudi ArabiaAs Head of department, I was required to manage a loan assets portfolio that covered a diversity of sectors including PetChem, infrastructure, power & water, mining, and real estate. I made recommendations to the bank's management on the basis of analysis of financial information gathered from public and private sources. This information was entered into financial models that had either been developed by me and my team or provided by the client's financial advisor, and the results were used to predict the future revenue and cost behavior of the proposed projects. I then developed sell/buy/hold strategies for my portfolio on the basis of the results of these models. As the department head, I was also expected to market with corporate entities to get new project finance clients for the bank, and to regularly monitor and evaluate the risk profile of the portfolio, based on which I made management presentations for the annual reviews of each company. In all of these activities, I was supported by a team of transactors and analysts.
Banque Saudi FransiDeputy Head - Structured Finance & Syndications Dept.
Apr. 2010 - Aug. 2012As Deputy Head, I continued to perform my responsibilities of conducting financial analysis of potential project finance transactions and recommending appropriate lending strategies. In addition, I was also given the mandate for origination and execution of project & structured finance debt arrangement mandates and corporate debt restructurings for Banque Saudi Fransi. Finally, I was also required to monitor the economic environment and the particular companies in my portfolio, and with the help of a team of analysts, update management on a regular basis with regard to hold/sell/buy decisions for said portfolio.
Banque Saudi FransiRelationship Manager / Senior Analyst
Feb. 2006 - Apr. 2010Riyadh, Saudi ArabiaI was responsible for large ticket contract and project finance transactions in the Kingdom that required structured financing based on financial analysis of company and sector related information, and models based on the economic assumptions for the project. The bank underwrote the facility on the basis of my lending recommendation, and as Arranger I was required to syndicate the exposure to other financial institutions. A large portion of my portfolio consisted of Shariah compliant transactions.
Habib Bank LimitedVice President Investment Banking
Jun. 2003 - Jan. 2006Karachi, PakistanI was responsible for the bank's Structured Finance & Syndication operation, to provide solutions for the corporate clients of HBL, and to manage syndicated transactions as Advisor/Arranger. I mostly worked with telecom, power and construction sector clients, and also conducted transactions for aviation clients
Bank Alfalah LimitedSenior Manager, Structured Finance Unit
Mar. 2001 - Jun. 2003At BAL, I had supervisory responsibility for the Structured Products portfolio of BAL, including setting of budgetary targets for the units spread & fee based income streams, monitoring progress on targets, and ensuring generation of trade & advisory business to augment the units income streams.
I was responsible for the arrangement of syndications for Term Finance Facilities or Term Finance Certificates (Corporate Bonds) for BALs corporate clients, assisting them with Capex, BMR, and Balance Sheet restructuring solutions. I had additional responsiblity of developing new products and special purpose vehicles to suit the requirements of clients.
Pakistan Credit Rating AgencyFinancial Analyst
Jun. 2000 - Feb. 2001As a financial analyst, I was expected to conduct the Credit Analysis of corporate clients of PACRA, with a view to assessing their creditworthiness in terms of their ability to service debt and absorb additional liabilities.
Punjab Municipal Development FundFinancial Consultant
Jul. 1999 - Jun. 2000My responsiblities at PMDF included:
Financial modelling for evaluation of the credit worthiness of local councils, focussing on their revenue generation, loan absorption and utilisation capability.
Evaluation of the financial management capacity of local councils to which loans were expected to be extended. Design and implementation of the financial systems.
Financial and economic evaluation of the sub-project to which PMDF provides financing. Development of the disbursement and repayment schedules after analysis of the revenue capabilities of the recipients.
Assisting in the preparation of the Draft Appraisal Report of the sub-project identified.§ Preparation of the draft of the Loan Agreement to be signed by the council and the PMDF. Assisting the PMDF in identifying and preparing future cases for loan disbursement.
Central Board of Revenue, GoPAssistant Commissioner Income Tax
Oct. 1993 - May. 1999Assessment of Income and Net Worth of Incomne Tax Assessee, and Levy of Income Tax and wealth Tax for the Assessment Year.
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