Summary

A challenging position in a progressive organization that provides an opportunity for learning and professional development and advancement towards the senior management

Experience

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Credit Officer
HBL Micro Finance Bank Ltd
Nov 2020 - Present | Yazman Mandi, Pakistan

Loan screening and under-writing as per the defined policies mitigating all possible risks.
Coordinate with business, operations and other stakeholders for the resolution of discrepancies, case follow ups & resolutions.
Assist in carrying out peinriodic reviews to highlight process gaps and violations.
Constructive feedback to reinvent method of loan disbursement based on learning taken from existing loan behaviors.
Ensure prevention controls and monitoring processes are well in place for existing products as well as prior to the launch of new products or process.
Ensure to mitigate all possible risks pertaining to all lending segments.
Ensure proper controls are suggested and implemented in different processes to minimize credit risk & frauds.
Also conducting external surprise visits as & when required such as agents, merchants and other locations in order to complete review/case investigation.
Formulate, update and maintain MIS of all lending cases reviewed and declined or processed.

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Credit Officer
Hbl MICROFINANCE BANK
Nov 2020 - Apr 2024 | Yazman Mandi, Pakistan

Credit Compliance

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Relationship Officer
U micro finance bank limited
May 2018 - Nov 2020 | Yazman Mandi, Pakistan

Responsible for Product Marketing and Sales.
Responsible for Client Servicing.
Responsible for Loan Booking and Document Processing.
Ensure Prompt Delivery,Repayments of Loans and Provide Periodic Portfolio Information.

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Loan Officer
Khushhalibank limited
May 2017 - May 2018 | Yazman Mandi, Pakistan

Responsible for Product Marketing and Sales.
Responsible for Client Servicing.
Responsible for Loan Booking and Document Processing.
Ensure Prompt Delivery,Repayments of Loans and Provide Periodic Portfolio Information.

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Junior Executive
National Database and Registration Authority (NADRA)
Nov 2016 - Mar 2017 | Yazman Mandi, Pakistan

Brefing About Servey to Lyman
Collecting House Hold Data From Persons
Data Punchig in Recomended Software
Uploading Data

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C.S.O
NRSP MICRO FINANCE BANK LIMITIED
Nov 2013 - Feb 2015 | Bahawalpur, Pakistan

Issuing Debit Cards
Maintanig Logs For Debit Cards
Reporting to Head Office
Maintaining Stock Register

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Data Entry Operator
Lucky Beverages
Jun 2007 - Apr 2010 | Bahawalpur, Pakistan

Punching sale related Data in System.
Preparing Sale Budget.
Preparing Sale Target Sheet.

Education

Islamia University
Masters, , M.Com‎
Percentage 68%
2012
Islamia University
Masters, , B.Com‎
Percentage 51%
2009
BISE
Intermediate/A-Level, , I.C.S‎
Percentage 43%
2006
BISE
Non-Matriculation, Matric in Science‎
Completed
2004
BISE BWP
Matriculation/O-Level, , Matric in Computer Science‎
Percentage 57%
2004

Skills

Beginner Accounting
Beginner Bookkeeping
Beginner Communication
Beginner OSS Preparation
Beginner VAT Preparation
Beginner Zoho Books
Intermediate Accounnts Management
Beginner Account Receivable Collection
Beginner Accounting
Expert Accounting Principles
Expert Accounts
Expert Accounts / Manager
Intermediate Accounts Administration
Beginner Accounts Adminstration
Intermediate Accounts Finalization
Intermediate Accounts Handling
Beginner Accounts Management
Beginner Accounts Production
Beginner Accounts Reconciliation
Beginner Advance payment
Intermediate Aesthetic Procedures Knowledge
Expert Agri Knowledge
Beginner American English Accent
Beginner AML
Intermediate Analysis
Intermediate Analytical
Beginner Analytical Reasoning
Beginner Analytical Reporting
Intermediate Analytical Skills
Intermediate Answering Inquiries
Beginner Attention to Details
Intermediate Audit
Beginner Auditing
Intermediate Auditing Skills
Intermediate Bank Management
Beginner Bank Operations
Intermediate Bank Reconciliation     
Intermediate Banking
Intermediate Banking Knowledge
Beginner Bookkeeping
Beginner Bookkeeping Knowledge
Intermediate Branch Accounting
Intermediate Branch Banking
Expert Branch Management
Intermediate Branch Operations
Beginner Branch Support
Beginner Branchless Banking
Beginner Business Analytics
Intermediate Business Development
Beginner Business Intelligence

Languages

Intermediate Saraiki
Expert Punjabi
Expert Urdu
Intermediate English

Companies Followed

Muhammad Contacts

Amad Ali Ali
Khushhali Microfinance Bank Limited - (KMBL)