خلاصہ

Detailed due-diligence of credit proposals pertaining to Islamic SME-Commercial  finance to provide independent risk advice and ensure SBP PR Compliance. Ability to analyze prospective clients and to provide the basis of decisions made at senior level. Develop comprehensive evaluations of the proposals submitted by different business units within the stipulated timeline. Keep track of policy deferrals/exceptions and ensure regular follow-ups. Helping to enhance the quality of credit applications. Gathering information about clients and conduct thorough analysis of financial statements. Manage and grow SME/ Trade based relationships of customers ensuring that their banking needs are met with respect to Trade servicing and SME financing. Knowledge of SME and Trade regulations and basic documentary requirements for SME Credit and import/ export transactions. Introduce new customers to the Bank having a potential for SME and Trade business. Negotiate deals with customers in line with the Banks profitability targets. Conduct Customer Due Diligence of new and existing credit applications. Conduct regular visit and call to the customers ensuring customer experience standards. Continuously monitor customer satisfaction and take proper measures and initiatives to improve overall service level. Responsibilities Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e.g. credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans

تجربہ

کمپنی کا لوگو
RELATIONSHIP MANAGER SME ISLAMIC
The Bank of Punjab (BOP)
جنوری ۲۰۲۳ - موجودہ | Lahore, Pakistan

Detailed due-diligence of credit proposals pertaining to SME-Commercial and Corporate finance to provide independent risk advice and ensure SBP PR Compliance. Ability to analyze prospective clients and to provide the basis of decisions made at senior level. Develop comprehensive evaluations of the proposals submitted by different business units within the stipulated timeline. Keep track of policy deferrals/exceptions and ensure regular follow-ups. Helping to enhance the quality of credit applications. Gathering information about clients and conduct thorough analysis of financial statements. Manage and grow SME/ Trade based relationships of customers ensuring that their banking needs are met with respect to Trade servicing and SME financing. Knowledge of SME and Trade regulations and basic documentary requirements for SME Credit and import/ export transactions. Introduce new customers to the Bank having a potential for SME and Trade business. Negotiate deals with customers in line with the Banks profitability targets. Conduct Customer Due Diligence of new and existing credit applications. Conduct regular visit and call to the customers ensuring customer experience standards. Continuously monitor customer satisfaction and take proper measures and initiatives to improve overall service level. Responsibilities Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e.g. credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans.

کمپنی کا لوگو
Relationship Manager SME Islamic
The Bank of Punjab (BOP)
جنوری ۲۰۲۳ - دسمبر ۲۰۲۳ | Pak Pattan Sharif, Pakistan

RM SME

کمپنی کا لوگو
Relationship Manager Assets
Allied Bank Limited
جون ۲۰۲۱ - جنوری ۲۰۲۳ | Pak Pattan Sharif, Pakistan

کمپنی کا لوگو
RELATIONSHIP MANAGER COMMERCIAL & SME
Allied Bank Limited
جون ۲۰۲۱ - جنوری ۲۰۲۳ | Pak Pattan Sharif, Pakistan

Detailed due-diligence of credit proposals pertaining to SME-Commercial and Corporate finance to provide independent risk advice and ensure SBP PR Compliance. Ability to analyze prospective clients and to provide the basis of decisions made at senior level. Develop comprehensive evaluations of the proposals submitted by different business units within the stipulated timeline. Keep track of policy deferrals/exceptions and ensure regular follow-ups. Helping to enhance the quality of credit applications. Gathering information about clients and conduct thorough analysis of financial statements. Manage and grow SME/ Trade based relationships of customers ensuring that their banking needs are met with respect to Trade servicing and SME financing. Knowledge of SME and Trade regulations and basic documentary requirements for SME Credit and import/ export transactions. Introduce new customers to the Bank having a potential for SME and Trade business. Negotiate deals with customers in line with the Banks profitability targets. Conduct Customer Due Diligence of new and existing credit applications. Conduct regular visit and call to the customers ensuring customer experience standards. Continuously monitor customer satisfaction and take proper measures and initiatives to improve overall service level. Responsibilities Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e.g. credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans.

کمپنی کا لوگو
CREDIT OFFICER COMMERCIAL & SME
MCB Bank Ltd
جون ۲۰۱۷ - جولائی ۲۰۲۱ | Pak Pattan Sharif, Pakistan

Brief Job Description of Credit Officer/Manager
The role is responsible for handling asset/credit portfolio of the branch under the supervision of the credit manager or branch manager. It assists in evaluating, screening and drafting proposals based on strict guidelines and ensures decisions are in line with the risk management policies by maintaining the turnaround time and quality of decision making to agreed standards. Provide assistance and implement sales strategies for managing the asset and credit portfolio of the branch and achieving new-to-bank growth targets (increasing volume of the asset portfolio) while observing strict compliance of credit manual, SBP policies, circulars, KYC / AML policies and procedures.
Selling of asset products to new-to-bank clients after evaluating financial risks and obtaining legal advice to achieve asset sales targets. Carry out the valuation of properties for liquidation by following the banks defined procedures.
Commence the credit initiation process by gathering information and drafting credit proposals, to ensure credit decision making is in line with credit policies, SBP, Prudential Regulations and overall business objectives.
Prepares credit approvals for customer by ensuring credit applications are correctly prepared in accordance with the banks policies.
Ensures there is no security shortfall and the credit proposal is complete for disbursement of all finances as per credit manual/circulars.
Monitors performance through MIS reports and presents results to management at regular intervals for watch list accounts with follow-ups for recoveries & handling of classified finances by issuing legal notices.
Timely preparation & submission of all required credit statements & CRMIS data to improve the credit process and provide marketing support to credit products.
Balancing of all related GL heads & books to ensure the balances are in line with the number of transactions are done.

کمپنی کا لوگو
Credit Officer
MCB Bank Limited
جون ۲۰۱۷ - مئی ۲۰۲۱ | Pak Pattan Sharif, Pakistan

SME

کمپنی کا لوگو
CASH OFFICER
Habib Bank Limited
جنوری ۲۰۱۵ - جون ۲۰۱۷ | Pak Pattan Sharif, Pakistan

Maintain safe custody of physical cash within permissible limits in the cash drawers and perform the cash in/out transactions accurately ensuring the physical cash balances always tallies with the Teller total at the prescribed periodicities on start of day, intraday and end of day.

2. Receives and dispenses cash to customers and processes checks, demand drafts, SWIFT transfers, remittances, foreign currency, deposits, withdrawals, utility payments account to account transfers etc. as per the approved policy & procedure of the Bank after due verification of appropriate forms and documents ensuring prompt and error-free service.

3.Process all deposit transactions accurately against proper verification of the identity and authenticity of the customer by obtaining the required supporting documents/source of income/ details/ consent letter of the customer (whenever required) as per the approved procedure and AML/KYC policy of the Bank

تعلیم

Virtual University of Pakistan
بیچلرز, , MASTERS IN BANKING AND FINANCE‎
CGPA 3.1/4
2017
Virtual University of Pakistan
ماسٹرز, ماسٹرز ان بزنس ایڈمنسٹریشن, Masters in Commerce‎
Banking & Finance
CGPA 3.1/4
2017
University of Sargodha
بیچلرز, بیچلرز ان کامرس, B.Com‎
Accounting & Finance
2012
University of Sargodha
ماسٹرز, , B.Com‎
فی صد 63%
2012
Punjab Board of Technical Education (PBTE)
انٹرمیڈیٹ / اے لیول, , D.COM‎
Accounting & Finance
فی صد 69%
2010
Board of intermediate & secondary education multan
نان میٹرک, Matric in Computer Science‎
Computer Science
مکمل
2008

پیشہ ورانہ مہارتیں

متوسط Account Management Skills
ماہر Accounts Administration
ماہر Audit Management
ماہر Bank Reconciliation on
ماہر Banking Knowledge
ماہر Banking Relationships Management
ماہر Banking Software Command
ماہر Branch Management
ماہر Business Coordination
ماہر Business Development Skills
ماہر Business Loans
ماہر Business Strategies
ماہر Commercial Business Development
ماہر Commercial Finance Knowledge
متوسط Cooordination Skills
ماہر Credit Analysis
ماہر Credit Management
متوسط Credit Risk
ماہر Credits Management
ماہر Cross Cultural Communication Skills
ماہر Financial Accounting
ماہر Hospitality Management
ماہر IT Support Responsibilities
ابتدائی Leadership Skills
ماہر Manage Client Relationships
ماہر of Financial Management
ماہر Official Tasks Handling
ماہر Relationship Management
ابتدائی Reporting Skills
ابتدائی Risk Management
ماہر Security Principles
ماہر SME
ماہر SME Banking
ماہر Special Effects
ابتدائی Transaction Management

زبانیں

ماہر انگریزی
ماہر اردو