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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
Incharge Credit Risk Department
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.
Deputy Manager (Credit)
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
Assistant Manager (Credit)
• HEAD OFFICE REPORTING
• BUSINESS GROWTH
• PORTFOLIO MANAGEMENT
• COMPLIANCE
• CREDIT CONTROL
• SERVICE QUALITY
OFFICER (CREDIT)
• HEAD OFFICE REPORTING
• BUSINESS GROWTH
• PORTFOLIO MANAGEMENT
• COMPLIANCE
• CREDIT CONTROL
• SERVICE QUALITY
ACCOUNTANT
• 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.
AUDIT INTERNEE
• 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.
