Crop Picture
NOTE: Do not upload any image that violates our Picture Policy. Doing so will result in the removal of the concerned image without prior notification.
خلاصہ
Aspiring to work in an organization that would serve to enhance my professional experience, utilize my strengths and provide avenues for my career growth development. I joined Askari Bank Ltd in 2007 as teller since then I have worked my way up to Manager Credits in a span of 6 years. During this tenure I have been lucky to have a smooth career progression into middle management through the premiere Management Trainee Officer Program (MTO) of the bank. MTO program has given me deep insight through job rotation in different departments of the bank/branch. I have had a versatile experience of working in Branch Banking, Foreign Trade, Corporate SME Credits department. Over the past three years I as a part of team, have been handling Corporate, Commercial SME Credits Portfolio of over Rs.2 Billion (Funded Non Funded) of Askari Islamic's Main Branch in Islamabad. During the period i assumed different positions starting from Relationship Manager to Manager Credits of main branch later on as Team Leader-Commercial SME assets North. As TL North I alongwith my team were lookig after Corporate, Commercial SME Portfolio of North Region of Askari Islamic Banking Services. Core Responsibilities include soliciting of fresh Corporate Proposals, Maintenance of existing Corporate Portfolio, Corporate Finance Facilities proposal initiation involving Financial Risk analysis, Cross Selling Banking Products Services Liaison with External Agencies, Legal Counsels CAD for all sorts of Documentation Disbursement related matters. Keeping in view my performances the management has elevated to the position of Branch Manager-Islamic Banking Branch I-9 Markaz Islamabad in Jan-15 . The branch was newly established I alongwith my team successfully converted into Profit have since been exceeding annual profit targets of the branch besides other KPIs. During Jan 2023 I have taken over Jinnah Avenue Blue Area, Main Branch. /p/div
تجربہ
Branch Manager
Branch Manager
• Business Solicitation, marketing of Islamic Banking Financial Products & Services by providing Shariah Complaint Financial Solutions to the Cater the business needs of clients.
• Administration and efficient daily operation of a full service branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the Bank's objectives.
• Develop new deposit and finance business portfolio; provide a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation; achieve individual and branch business targets through new business sales, referrals and retention of profitable relationships.
• Provide leadership, training and supervision; delegate day to day operations to the staff or other branch personnel.
• Responsible for attaining established Bank and branch goals through active participation in sales management and officer call programs.
• Smooth functioning of the branch & ensuring meticulous regulatory compliance.
Team Leader-Commercial & SME Assets North
• Managing Commercial & SME Assets portfolio of North Region of Askari Bank Islamic Services.
• Acquiring & Maintaining a Financial Relationships with the Groups/Companies having exposure in Construction, Aviation, Industrial & Manufacturing sectors clients by providing excellent services in timely manners.
• Marketing of Corporate Banking Financial Products & Services by providing Shariah Complaint Financial Solutions to the Cater the business needs of clients.
• Corporate Finance Facilities proposal initiation involving Financial & Risk analysis and submission to the respective credit committees for approval
• Increasing Yield from New/Existing Client through Cross Selling Banking Products & Services.
• Coordination with respective credit committee for rectification / removal of their observations (if any) in order to facilitate the approval process.
• Client visits & quarterly call reports for periodic reviews of accounts.
• Liaison with External Agencies, Legal Counsels & CAD for all sorts of Documentation & Disbursement related matters.
Relationship Manager/Manager Credits
• Handling portfolio of funded / non-funded facilities over Rs. 1.40 billion with my team.
• Acquisition of fresh corporate/commercial/SME credit portfolio & retention of existing Relationships.
• Conducting client visits for prospective relationships & quarterly reviews of the accounts.
• Analysis of client’s business requirements, conducting Financial Analysis, Projected Yields, & providing effective financial solutions in compliance with Shariah Principals to cater their financial requirements.
• Management & Service Delivery; Management of healthy financing (Corporate / Commercial/ SME) portfolios through developing and maintaining long-term relationship with the clients by providing excellent services in timely manners. Initiation of Fresh/Renewal Facility Proposals & obtaining approvals of the same from respective credit committees for approval.
• Preparation of Credit Documentations in liaison with legal advisor for disbursement of approved facilities.
• Minutely Monitoring of Credit Portfolio to ensure regular repayments.
• Monitoring/Recovery of Watch List & NPL Portfolio.
Management Trainee
Qualified for Askari Bank’s Management Trainee Program & completed one year comprehensive training program. Following are the training program highlights;
• Branch Banking Operations:
o Three weeks Branch Banking Operations in-house training at NIBAF,
o Completed different assignments, activities & presentations during the course.
o Four Months Branch Banking Operations on Job Training at AKBL Peoples Colony Branch, Faisalabad.
• Foreign Trade & FC Operations:
o Three Weeks Foreign Trade (Import & Export) in-house training Course including UCP600, URR725, ISBP & URC525 at NIBAF
o Four Weeks on Job training at Central Foreign Trade Unit (North) including LC opening, Retiring, Export relating transactions, SWIFT Operations
o 8 Weeks on Job training in Foreign Trade department at Askari Bank I-9 Branch, Islamabad
