Name: Mohsin Ibrahim

DOB: 22nd June 1973

Nationality: Canadian

Email: mohsin_ib7@yahoo.com

Contact: 97150-3182273

Website: www.ibrahimm.com

 

OBJECTIVE

To achieve a dynamic position in an Islamic Bank that offers me to learn and reap higher reward of success and can utilize my analytical/tactical skill’s to enhance competence of an organization and my self.

 

RELEVANT SKILLS

· Diploma in Islamic Banking and Insurance fromLondon Institute of Islamic Banking and Insurance

· Business professional with over 15 years’ experience in the banking/financial industry

· Excellent analytical, leadership, communication, conflict resolution and group dynamics skills

· Skills / Knowledge in the Business and Banking industry

· Successfully lead the bank’s Asset team in analysis & implementation of bank’s core banking system (T24)

· Exceptional problem-solver and decision maker with diverse experience of various multi-national markets

 

PROFESSIONAL EXPERIENCE

AVP – Corporate & SME Credit (Enterprise Risk Management Group)                                                                           2017 - Present

Sharjah Islamic Bank, Sharjah, UAE

· Analyze Corporate, SME, Real Estate proposals from risk, regulatory, and compliance perspective and suggest possible solutions to mitigate credit risk.

· Assist department in reviewing & designing policies for Retail, SME & Corporate segment.

· Actively involved and represent Enterprise Risk Management in analysis / selection of vendors for Loan Origination System, Recovery & Collection System, and Credit Risk Rating models.

 

Senior Manager – Corporate & SME Credit (Enterprise Risk Management Group)                                                     2013 - 2017

Sharjah Islamic Bank, Sharjah, UAE

· Analyze Corporate, SME, Real Estate proposals from risk, regulatory, and compliance perspective and suggest possible solutions to mitigate credit risk.

· Represent Enterprise Risk Management Group in analysis and successful implementation of T24 (Temenos) Core Banking System by leading the bank’s Asset Team. Tasks included the following:

· Analyze vendor’s base Model system in light of current department practices and processes.

· Gather, Analyze, and document all requirements of Retail & Corporate Business, Credit Administration, Recovery  

  & Collection, Risk, and asset related branch operations.

· Prepare Business Requirement Document (BRD) for all Corporate & Retail Asset related Islamic Products in light    

   of Shariah guidelines, credit risk, operational risk, and legal impact.

· Analyze Functional Specification Documents (FSD) proposed by vendor and suggest changes.

· Design and implement the bank’s Limit structure for Asset related products.

· Design / review of Credit Administration Department (CAD) related functionality, including Limit design / testing,

  collateral capture & monitoring mechanism, and automation of operational tasks.

· Design test cases for all Corporate & Retail asset products and lead the team of eight people in conducting multiple

   levels of user acceptance test (UAT) of all asset products.

· Assist in designing profiles based on detailed understanding of their tasks & processes of all areas of Corporate & Retail credit, CAD, Recovery & Collection, Enterprise risk, and Corporate & Retail Business teams.

 

Senior Manager – Retail Credit Assurance (Enterprise Risk Management Group)                                                        2008 - 2013

Sharjah Islamic Bank, Sharjah, UAE

· Mitigation and Quality Assurance of all Credit Risk functions within the Retail Division.

· Act as backup of Head of Retail Credit and perform all functions assigned to division including assessment & approval of credit facilities to customers.

· Review and conduct periodic assurance tests of Retail Credit Initiation Unit to ensure that all Credit Risk Functions are at adequate risk levels and meet the Credit Parameters ensuing Sharia Compliance.

· Analyze and recommend all Private and Non-Target Market companies to be listed on the Bank’s Target Market List and give facilities to staff of selected companies.

· Responsible for generation of all business, credit and collection MIS to ensure control on delinquency and credit losses. Design MIS reports for higher management

· Responsible for the set up of Credit Monitoring Policies and procedures.

· Ensuring compliance with the statutory requirements laid down under different acts governing banking regulation.

· Actively participating in assessing the non performing assets for the product based on monthly reporting.

· Monitoring Overall Business Risk

o New Market and Product Launches: Review & sign off on product launch to ensure regulatory and procedural compliance.

o Perform risk analysis of new initiatives and confirm adherence to regulations.

o Ensure proper procedures and automation are in place and all known risk issues have been mitigated.

o Coordinate with relevant risk and business committees prior to launch.

o Conduct process overview and identify areas that need strengthening and greater control.

· To constantly review and update the Retail Credit – Islamic Financing Policy manual in coordination with direct report to remain abreast with dynamic market conditions.

· Work on Central Bank related MIS in coordination with Corporate Credit.

· Design reports and work on system modification/enhancements related to Credit.

· Handle and assist the Direct Report in other assigned functions from time to time

 

Financial / Business Analyst - Technology and Operation Finance Division                                                                     2005 - 2008

Bank of Montreal, Canada

· Responsible for Business/Financial Analysis of projects (RFI, RFQ, and RFP) for the enterprise Infrastructure Networking Division.

· Work on business/feasibility analysis for projects ranging from CAD $100K – CAD$100 Million

· Compile and negotiate financial/billing contracts and verify for compliance, governance, and risks within the framework of bank policies.

· Evaluate vendors/bidders for best possible business / financial solution.

· Help collect budget requirements from managers and forecast/track yearly budgets and expenditure for our department (Yearly expenditure of CAD$ 80 Million)

· Responsible for Capital budget expenditure and NIX related to them (Yearly Capital of CAD$ 8-12 Million).

· Play an active role in the annual budget process

· Prepare financial reports for cost centre managers and management teams within designated departments (e.g., monthly and quarterly reports as well as reports required during the budget process)

· Responsible for maintaining and updating Business Contingency Plan on a quarterly and yearly basis.

 

Analyst Special Projects (Mutual Funds)                                                                                                                                     2004 - 2005

Unisen (CITIBANK subsidiary), Canada

· Examine daily Money Market reports for Mutual Fund clients.

· Analyze & research daily reports for pending trades, errors and wrongly posted transactions

· Create monthly & semi-annually Management Fee Rebate report for different clients

· Research special projects

· Provide support to general processors for processing & quality control during RRSP season

 

Manager                                                                                                                                                                                               2001 - 2003

Cidra Financial, Inc. (AIM Insurance of Texas - Houston, USA)

· Handled daily operations, followed up on renewals and processing of claims

· Worked within the management reporting group and liaised with Finance, IT, Marketing & Business

Management Units to complete projects, gathered information, and resolved issues

· Developed and implemented information based strategies to support Marketing programs

· Developed project proposals & plans to determine timing, funding limitations, procedures for completing

projects, gathering requirements, and allocation of resources to various phases of the project

 

Supervisor                                                                                                                                                                                           1998 – 2001

Union National Bank (Dubai, United Arab Emirates)

· Assisted in performing analysis of financial statements of corporate clients in the Textile, Manufacturing, IT, Electronics and Service industries with a view to minimize risk of exposure

· Assisted in preparing & processing credit facilities for commercial clients for revolving credit, Letter of Credit, Bills Discounting & Bank Guarantees

· Analyzed, proposed and processed applications for loan & credit facilities for HNI individuals

· Independently managed branch operations of 7-10 employees

· Opened personal, company & term deposit accounts and placed foreign currency with treasury division

· Analyzed, proposed and processed Personal & SME loans.

 

Manager                                                                                                                                                                                               1996 – 1997

Tuesday Morning Inc. (Connecticut, USA)

· Responsible for daily store operations, hiring & training staff, and maintaining financial controls.

· Responsible for inventory control, customer service & merchandise display.

· Advertising Proofing Manager for the state of Connecticut.

 

 

Peer Consultant                                                                                                                                                                                  1996 – 1996

Eastern Connecticut State University (ECSU) Business Dept. (Connecticut, USA)

· Consulted Business Majors (seniors) for Business Plans, requiring knowledge of accounting, finance, marketing, management, operations management, and human resource management.

· Analyzed business plans and made recommendations for improvement

· Recommended sources of research for competitive industry analysis

· Attended presentations and interviewed students based on real life basis scenarios

 

PROFESSIONAL EDUCATION

· Diploma in Islamic Banking and Insurance, 2006

The Institute of Islamic Banking and Insurance, London, United Kingdom.

· Master of Science in Management Information Systems, 2002

University Of Houston – Clear Lake (UHCL), Texas, USA

· Bachelor of Science in Business Administration, 1996

Eastern Connecticut State University, Connecticut, USA

 

PROFESSIONAL COURSES

· Leadership & Team Building 2009

· Credit Appraisal Techniques 2009

· Sarbanes Oxley Workshop (SOX) 2006

 

COMPUTER LITERACY

· Banking Software: Analysis & Implementation of T24 system from Temenos.

· Applications: MS Windows 98, 2000, XP, MS Publisher, Visible Analyst, Adobe PhotoShop, Access, Power Point,

                          Outlook, MS Project and Front Page 2000, etc.

· Skills: Small Business Network Setup, PC Diagnosis & Troubleshooting,

 

INTERESTS

· Analyze small/medium size businesses and recommend improvement/development strategies for different aspects of the business, especially management, marketing, and operational efficiencies.

· Research in Islamic Banking and Finance

· Reading business and marketing articles in regard to global industry.

 

REFERENCES

Available upon request.