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Summary
A dynamic, confident and organized individual having 15 Years plus diversified experience in the field of SME, Agriculture, Commercial & Corporate finance with a passion to grow & secure top position in the organization. Have In-depth knowledge of analysis of market trends, competitors’ edge & customer experience for the growth of Assets book of Bank while ensuring quality services to relevant stack holders prioritizing Customers satisfaction.
Experience
Credit Processing Manager SMII
Credit Manager - Assistant Vice President
At Circle Office, Sukkur
•Act as Credit Coordinator for entire Sukkur Circle providing support to the Branches in credit/assets portfolio related matters by monitoring and suggesting proposals and highlighting & resolving credit related concerns with strict adherence to SBP PR/Policies, Internal Circulars and the Credit Manual along with coordination with CRCD/CAD & Credit Review Division/RMG for resolving credit matters plus submission of periodical statements required at various levels and CRMIS data.
•Managing Credit Portfolio of Rs.8Bn of entire Sukkur Circle, with variety of Credit Facilities, like Cash Finance, Running Finance, Demand Finance, Export Refinance (I & II), Bank Guarantees, Letter of Credit and Inland/Foreign Bill Purchased.
•Elevation of CPs at higher level including Management & Review Committee. There are almost 80-100 cases that are of higher level.
•Timely Submission Credit Proposals/Memorandum (Renewals/Fresh) for consideration of Competent/Review Authority.
•Financial Analysis, Qualitative/Quantitative Analysis, Legal Documentation requirements of Borrower submitted by Branch.
MCB BANK LIMITED
As a Credit Manager (OG-I) At Clock Tower Branch, Sukkur
•Worked as a Credit Manager (OG-I) with additional charge of Trade Manager, managed Credit Portfolio of Rs.1.326Bn & trade/Import-Foreign/Inland Sight / Usance Rs. 2.592Bn (absolute figure for FB & NFB at year ended 2016), with variety of Credit Facilities, like Cash Finance, Running Finance, Demand Finance, Finance against Import Merchandise - FIM, FIM_IT, Finance against Trust Receipt – FATR, Bank Guarantees, Letter of Credit and Inland/Foreign Bill Purchased, advance payment for import & Payment against documents - PAD.
•Managed more than 20 A/Cs of Funded & Non-Funded facilities.
•Managed Pledge Based Finance of over Rs.755Mn. Cash Finance Oil, Oil Cake, Wheat & for procurement of Concentrate. FIM for imported Canola/Rapeseed/Soyabean/RBD Palm Oil.
Assistant Manager - Asset
Worked at HBL since Oct-2011 to Sep-2014, at Credit Hub Larkana & Regional Head Quarter, Sukkur as Assistant Manager–I (ASSETS).
At Credit Hub, Larkana
• Timely Submission Credit Proposals/Memorandum (Renewals/Fresh) for consideration of Competent/Review Authority.
• Financial Analysis, Qualitative/Quantitative Analysis, Legal Documentation requirements of Borrower submitted by Branch.
• Managing and Reviewing Credit Portfolio of Rs.850Mn, with variety of Credit Facilities, i.e Cash Finance, Small Business Finance, Easy Loan, Running Finance, Demand Finance, Export Refinance (I & II), Bank Guarantees, Letter of Credit.
• Managing and Reviewing more than 100 A/Cs of Six Branches.
• Managing and Reviewing Pledge Based Finance of over Rs.300Mn. Cash Finance Cotton, Oil, Rice/Paddy.
• Fully aware with policies of Bank and prerequisites of State Bank of Pakistan, specially the PRs of SE/ME and Corporate.
Business Development Officer
