خلاصہ

Experience


A professionally qualified banker with more than19-years experience with two leading Banks of Pakistan i.e. Bank Al-Falah Ltd. and MCB Bank Ltd. During this span,I worked at various places, in different offices with diversified responsibilities at various departments. This gave me opportunity to polish my banking skills in such a manner to become a seasoned banker with specialty in the field of Credit/Lending. 


Effective from September 2015, I took a career break, however kept myself engaged in handling my investment portfolios at Karachi Stock Exchange and sale/purchase of plots.



 

پراجیکٹس

Effective extension of Credit Lines, Recovery/Settlement of NPL Loans

تجربہ

کمپنی کا لوگو
Credit Manager Retail Banking Group
Bank Alfalah Limited
جنوری ۲۰۱۰ - ستمبر ۲۰۱۵ | Karachi, Pakistan

Job Responsibilities at Bank AL-Falah Ltd [From 01.01.2006 tio 03.09.2015]
Managed credit portfolio of [100+ branches] more than Rs.12 Billion, consisting of SME/Commercial/Corporate Borrowers with the lending requirements for WC Finance, Long Term Finance and International Banking Facilities by using my these skills:
1.                    Credit Analysis
2.                    Financial/Cash Flow
3.                    Industry Analysis
4.                    Project analysis through feasibility study
5.                    Analysis of Prime & Collateral Securities
6.                    Risk Assessment
7.                    Business Analysis by paying visits to the sites
8.                    Compliance of Regulatory Frame Work

کمپنی کا لوگو
Regional Credit Coordinator
Bank Alfalah Limited
جنوری ۲۰۰۸ - دسمبر ۲۰۰۹ | Karachi, Pakistan


Corporate Lending
Processing/handling Agriculture Credit [Production/Development Loans]
Processing of Seasonal Financing Proposals for Ginning/Rice/Oil/Textile Industry/Wheat
Processing of Proposals for Financial Relief (Write off/ Waiver/ Rescheduling /Restructuring/ Settlement of NPLS)
Ensuring implementation of regulatory frame work, compliance of internal policies/procedures
Monitoring of Non-Performing Loans/Watch Listed A/Cs i.e. monitoring of Recovery Suits Filed/yet to be filed, arranging meetings with delinquent borrowers for negotiations, getting updates on Legal Proceedings etc.
Responsible for MIS work which includes but not limited to off site monitoring/preparation of Credit/Budgeting Plans of credit portfolio
Handling disbursement issues in coordination between branches & CAD  

کمپنی کا لوگو
Area Credit Manager South IV
Bank Alfalah Limited
جنوری ۲۰۰٦ - دسمبر ۲۰۰۷ | Karachi, Pakistan

Managing the entire Credit Portfolio of South-IV Area, responsibilities includes:

Approval of Credit Limits to Corporate/Commercial/SME/Agriculture and Consumer type borrowers ensuring the same are in compliance with SBP PRs and bank's internal policies  
Paying visits to customer sites
Monitoring of Credit Portfolio, ensuring timely recovery of m-up and principal 

کمپنی کا لوگو
Credit Analyst-Commercial Banking Gr , Team Leader Credit at Clifton Branch
MCB Bank Limited
جنوری ۱۹۹۹ - دسمبر ۲۰۰۵ | Karachi, Pakistan

Processing of Credit Line Proposals and Monitoring of NPL portfolio of South Region of more than Rs.1Billion, making follow up with the branches for recovery of delinquent accounts, approving financial relief proposals [write off/waiver/rescheduling/restructuring], follow up of legal cases, arranging meetings with the delinquent borrowers convincing them to arrive at settlement plan.

کمپنی کا لوگو
Credit Officer at Corporate Branches, Probationary Officer
MCB Bank Limited
اپریل ۱۹۹٦ - دسمبر ۱۹۹۸ | Lahore, Pakistan

Jan. 1998-Dec. 1998                   Credit Officer at The Mall Branch Lahore
Jul.  1997-Dec. 1997                   Credit Officer- Ajmal House Branch Lahore
Jan. 1997-Jun.  1997                  Manager Accounts and FCY In charge at Ajmal                                                            House Branch Lahore
 May1996-Dec. 1996                   Attended extensive theoretical & practical training                                                     at Staff College

تعلیم

Hailey college of commerce University of the Punjab Lahore
ماسٹرز, ماسٹرز ان کامرس, ‎
Finance
1999
Institute of Bankers Pakistan(IBP)
ڈپلوما, ‎
Banking
نامکمل
1999

پیشہ ورانہ مہارتیں

ماہر Credit Risk Analysis and Mitigation

زبانیں

ماہر پنجابی
ماہر اردو
ماہر انگریزی

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