خلاصہ

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.

تجربہ

کمپنی کا لوگو
Incharge Credit Risk Department
SME Leasing Limited (a Federal Government NBFI)
اپریل ۲۰۱۷ - موجودہ | 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.

کمپنی کا لوگو
Deputy Manager (Credit)
SME Leasing Limited (a Federal Government NBFI)
جون ۲۰۱٦ - اپریل ۲۰۱۷ | 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

کمپنی کا لوگو
Assistant Manager (Credit)
SME Leasing Limited (a Federal Government NBFI)
جون ۲۰۱۴ - مئی ۲۰۱٦ | Peshawar, Pakistan

• HEAD OFFICE REPORTING

• BUSINESS GROWTH

• PORTFOLIO MANAGEMENT

• COMPLIANCE

• CREDIT CONTROL

• SERVICE QUALITY

کمپنی کا لوگو
OFFICER (CREDIT)
SME LEASING LIMITED (A SUBSIDIARY OF SME BANK LTD)
ستمبر ۲۰۰۸ - مئی ۲۰۱۴ | Peshawar, Pakistan

• HEAD OFFICE REPORTING

• BUSINESS GROWTH

• PORTFOLIO MANAGEMENT

• COMPLIANCE

• CREDIT CONTROL

• SERVICE QUALITY

کمپنی کا لوگو
ACCOUNTANT
Frontier group of industries
اگست ۲۰۰۷ - اگست ۲۰۰۸ | 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.

کمپنی کا لوگو
AUDIT INTERNEE
SHAHID SAMI & CO. (CHARTERED ACCOUNTANT)
دسمبر ۲۰۰٦ - اگست ۲۰۰۷ | 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.

تعلیم

City University of Science & Information Technology
ماسٹرز, ماسٹرز ان بزنس ایڈمنسٹریشن, MBA‎
BANKING AND FINANCE
فی صد 80%
2007
Forward Degree College
بیچلرز, بیچلرز ان سائنس, B.Sc‎
Computer Science, Mathematics, Statistics
فی صد 58%
2004
G. H. S. S. NO - 2 - CANTT, PESHAWAR
انٹرمیڈیٹ / اے لیول, فیکلٹی آف سائنس (پری انجینئرنگ), F.Sc Pre-Engineering‎
Chemistry, Mathematics, Physics
فی صد 47%
2001
G. H. S. S. NO - 2 - CANTT, PESHAWAR
میٹرک / او لیول, سائنس, Matric in Science‎
Biology, Chemistry, Physics
فی صد 56%
1999

پیشہ ورانہ مہارتیں

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

زبانیں

متوسط پشتو
ماہر اردو
متوسط انگریزی

Muhammad Ehsan آپکے جاننے والے

Mobeen Farrakh Qureshi
Rehmania International, Keune House