概要

Progressively responsible experience in various well reputed financial institutions. Great acumen in sales generation, SME/ commercial credits and customer relationships management. Proficient in financial and credit analysis, familiar with general banking procedures for bank credit approvals.

工作经历

公司标识
Credit Processing Manager/ Regional Manager Credits
Habib Bank Limited (HBL)
Apr 2021 - 代表 | Bahawalpur, Pakistan

Supervise credit factory for credit processing and Risk evaluation.

公司标识
Senior Relationship Manager Retail Lending (SME)
Habib Bank Limited (HBL)
Jun 2018 - Mar 2021 | Rahimyar Khan, Pakistan

To manage and enhance credits portfolio.

公司标识
RM Commercial Banking & SME
Faysal Bank Limited
Nov 2016 - Jun 2018 | Rahimyar Khan, Pakistan

Review various financial analysis and credit modeling reports against the bank's credit policy regularly
Accountable for structuring of credit portfolios and facility documentations
Analyze and recommend revisions in bank credit and lending policy
Scrutinize loan documents and suggest the most suitable scheme as per customer's demand
Ensure credit adherence with bank policies and actively participate in decisions regarding acceptance of beneficial credit deals and rejection of sizeable loans where credit risk is significant

公司标识
Credit Officer
The Bank of Khyber
Feb 2016 - Nov 2016 | Rahimyar Khan, Pakistan

Initiate credit proposals and process them as per bank's internal procedures and SBP guidelines
Recommend credit limit for clients based on liquidity and market analysis
Authenticate documentation presented for all credit applications and ensure they meet the KYC requirements and any other requirements as required by the Organization and by the regulators
Prepare charge documents for disbursement and all other pledge & insurance related matters.
Proactively manage risk /exposure for assigned portfolio Continuously
Monthly SBP reporting and updation of ECIB records.

公司标识
Relationship Manager SME
Bank Alfalah Limited
Sep 2011 - Feb 2016 | Rahimyar Khan, Pakistan

Responsible for identification of customer needs and analysis of their profiles in context of extending credit facilities and related services.
Implementation of targets-oriented plans for enhancement of credit portfolio with focus on broadening customer base, strengthening long term relationships, and maximizing profits through these relationships.
Preparation of eCLPs, all Pre-disbursement formalities, completion of documentation, obtains Disbursement Certificate from Credit Administration Centre and all other pledge & insurance related matters.

学历

Islamia University
硕士, 贸易硕士学位, M.Com‎
Finance
CGPA 2.8/4
2009
Islamia University
学士, 贸易学士, B.Com‎
Commerce
所占比重 59%
2007
BISE
中级/A级, 计算机科学学生, I.C.S‎
Computer, Math, Stat
所占比重 65%
2005
BISE
, Matric in Science‎
所占比重 64%
2003

技能

初学者 Agri Portfolio Complaints Handling
熟练 Audit Regulations
熟练 Cluster Knowledge
熟练 Commercial Banking Knowledge
熟练 Compliance Management
初学者 Compliance Of RAR & SBP Reports
熟练 Credit Analysis
熟练 Credit Management Planning
中级 Credit Risk Analysis and Mitigation
熟练 Credits Management
中级 Customer Care Representation
熟练 Develop Educational Environment
初学者 Disposal Of All CA\'s Processed At CIU
熟练 Employment Morale Motivation
熟练 Implementation of QAIP
初学者 Issuance Of DACs
中级 Market Knowledge
初学者 Microsoft Excel
熟练 Periodic Amendments
熟练 Quality Assurance Evaluation Criteria
初学者 Quick Learner
熟练 Regulatory Compliance
初学者 Review Of Agri Credit Proposals
熟练 Risk Management
熟练 Risk Mitigation
熟练 SME
熟练 SME Banking
初学者 Understanding Of Security Documents
熟练 Updation In Strategies

语言

熟练 英语
熟练 Saraiki
熟练 旁遮普语
熟练 乌尔都语

Muhammad 联系人

Zainab Rashid
Indus hotel hyderabad
Muhammad Younus
Khushhalibank limited