概要

I joined SME Leasing Peshawar Branch in 2008 as Officer, the Branch Total Portfolio was around Rs. 500 (Million), Management Strategy/Focus was on Recoveries and Business to AAA Clients only; Promoted as Assistant Manager in June 2014, and then to Deputy Manager in June 2016.

On April 26, 2017 I have been Re-designated as Incharge Credit Risk Department of the company for Credit Risk Assessment. Credit proposals from all locations routed through me for Risk Assessment.

More than eight (09) year's experience in Portfolio Management, Management Reporting, Office Administration, Credit Risk Assessment and Marketing including Financial Analysis, Credit Analysis, Ratio Analysis and Due Diligence of existing and fresh clientele of a Non-banking Financial Institute namely SME Leasing Ltd (A subsidiary of SME Bank Ltd operational under Ministry of Finance, Government of Pakistan).

Two (02) year's experience in Financial Accounting as Audit Internee in a CA Firm & Accountant in a Manufacturing Concern respectively.

工作经历

公司标识
Incharge Credit Risk Department
SME Leasing Limited (a Federal Government NBFI)
Apr 2017 - 代表 | Peshawar, Pakistan

Reports to: CEO

Principal Accountability:

Evaluating Credit Risk associated with all Credit Proposals (of existing & fresh clientele) initiated for approval in the company after proper analysis (Sector, Financial, Operational, Internal and External Factors, Credit and Facility Structure and ensure compliance of prudential regulations issued by SBP and SECP for corporate and SME borrowers etc.) which is duly documented with aim of minimal credit loss or risk to the company.

Credit proposals of all locations routed through me for Risk Assessment.

公司标识
Deputy Manager (Credit)
SME Leasing Limited (a Federal Government NBFI)
Jun 2016 - Apr 2017 | Peshawar, Pakistan

Accountable for periodic credit reviews of existing customers, and assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses.

Principal Accountabilities:
Management
• Maintained a branch organizational structure sufficient to meet company goals and objectives.
• Properly & regularly motivating the credit and collections staff.
• Managing relations with collection agencies.
• Managing relations with repossession agencies.
• Managing relations with credit insurance providers.
• Managing relations with the Risk, CAD and SAM departments at Head Office.
Head Office Reporting
• Financial and Administrative
Credit Operations
• Managing customer credit files.
• Personally investigate the largest customer credit applications.
• Personally visit the largest customers to establish relations.
• Risk Assessment of lease/credit clients files for disbursements.
• Monitoring periodic credit reviews.
• Monitoring deductions being taken by customers.
Monitoring Branch Business Growth
• Business identification, Proposal writing, File processing, Disbursements
Monitoring Branch Portfolio
• Regular, IR-Regular, NPL (Litigated & Non-Litigated).
Monitoring Branch Credit Control
• Recovery & Collections

公司标识
Assistant Manager (Credit)
SME Leasing Limited (a Federal Government NBFI)
Jun 2014 - May 2016 | Peshawar, Pakistan

• HEAD OFFICE REPORTING

• BUSINESS GROWTH

• PORTFOLIO MANAGEMENT

• COMPLIANCE

• CREDIT CONTROL

• SERVICE QUALITY

公司标识
OFFICER (CREDIT)
SME LEASING LIMITED (A SUBSIDIARY OF SME BANK LTD)
Sep 2008 - May 2014 | Peshawar, Pakistan

• HEAD OFFICE REPORTING

• BUSINESS GROWTH

• PORTFOLIO MANAGEMENT

• COMPLIANCE

• CREDIT CONTROL

• SERVICE QUALITY

公司标识
ACCOUNTANT
Frontier group of industries
Aug 2007 - Aug 2008 | Peshawar, Pakistan

• Ensure the accuracy of the financial reports.

• Substantiates financial transactions by auditing documents.

• Making entries into ledgers and journals

• Keeping track of the cash inflow and outflow into and from the bank respectively

• Preparing reports of cash that flows in and out and present the reports to the management.

• Reconciled financial discrepancies by collecting and analyzing account information.

• Prepared, monitored monthly fund applications/transactions.

• Worked at L/C’s opening from bank.

• Worked at registration of ISO certification.

• Worked with internal audit team for preparation and coordination of the audit process.

• Contributed to team effort by accomplishing related results as needed.

公司标识
AUDIT INTERNEE
SHAHID SAMI & CO. (CHARTERED ACCOUNTANT)
Dec 2006 - Aug 2007 | Peshawar, Pakistan

• Assisted audit teams in the testing of financial systems.

• Learned to carry out approved audit programs.

• Documented the fieldwork carried out in accordance with quality standards.

• Drafted letters and reports for manager.

• Examined balance sheets and profit and loss accounts, to identify risks or problems and assess the company’s general reporting systems.

学历

City University of Science & Information Technology
硕士, 工商管理硕士学位, MBA‎
BANKING AND FINANCE
所占比重 80%
2007
Forward Degree College
学士, 理工学士, B.Sc‎
Computer Science, Mathematics, Statistics
所占比重 58%
2004
G. H. S. S. NO - 2 - CANTT, PESHAWAR
中级/A级, 理学院(工程预科), F.Sc Pre-Engineering‎
Chemistry, Mathematics, Physics
所占比重 47%
2001
G. H. S. S. NO - 2 - CANTT, PESHAWAR
大学入学/0级, 科学, Matric in Science‎
Biology, Chemistry, Physics
所占比重 56%
1999

技能

熟练 Asset Based Lending
熟练 Auto Loans
熟练 Client Followup
熟练 Credit Analysis
熟练 Credit Collection Recovery
熟练 Credit Evaluation
熟练 Financial Analysis
熟练 Financial Ratios Analysis
熟练 Financial Statement Analysis+
熟练 Go-to-Market Strategy
熟练 Handling Assignments
中级 Japanese & Korean Language Proficiency
熟练 Key Account Management
熟练 Lease Financing
熟练 Leasing
熟练 Microsoft Outlook
中级 Peachtree Command
熟练 piling
熟练 Prepaid Ledger
熟练 SME Finance
熟练 Social Welfare Management
熟练 Voucher Management
熟练 تسوية المدفوعات

语言

中级 普什图语
熟练 乌尔都语
中级 英语

Muhammad Ehsan 联系人

Mobeen Farrakh Qureshi
Rehmania International, Keune House