خلاصہ

Seeking a challenge and growth oriented job to utilizing my educational and professional expertise for pursuing growth oriented organization’s goals and personal career development and also enhance my professional skills in wide field of Marketing, Audit, Finance & Accounts to achieve the highest efficiency & strive. Customer-focused professional offering successful sales experience within the retail industry, with established expertise in managing and building long-term relationships with individual and corporate clients. Looking to transition my skills into a personal banker position and help provide value to the bank and its customers.

تجربہ

کمپنی کا لوگو
Personal Banking Manager
Bankislami Pakistan Limited
جولائی ۲۰۲۳ - موجودہ | Swabi, Pakistan

-Manages personal banking staff and daily operations to ensure customer satisfaction and develop client relationships.
- Focuses teams on identifying customer needs and maintaining up-to-date knowledge of all bank products and services to explain, promote, and cross-sell products and services.

کمپنی کا لوگو
Internal Audit Officer
BankIslami Pakistan Limited
نومبر ۲۰۲۰ - جون ۲۰۲۳ | Islamabad, Pakistan

. Pre audit planning in accordance with the scope and complexity of the area under review.
. To conduct audit of branches in light of annual audit plan.
Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings
Checking compliance with various statutory and internal policies, procedures, guidelines and
circulars during the course of audit.
Maintaining audit-working papers, presenting observations to Team Leader audit for his review.
Ensuring that all auditable areas assigned by team leader are covered in light of Work distribution Sheet and pre-audit meeting, within prescribed time limit.
Making draft and final audit report within prescribed time period as defined by Team Leader.
To conduct or assist in Special Inquiries given from the seniors.
Any other job / assignment assigned by Team Leader, Regional Audit Manager.
Provide value added advice and support to business partners on the creation or modification of policies, procedures, processes,

کمپنی کا لوگو
Credit Analyst
Meezan Bank Limited
مئی ۲۰۱۹ - نومبر ۲۰۲۰ | Islamabad, Pakistan

Preparation of Financial proposal in accordance with the scope and complexity of the Credit Policy.
• Analyze & evaluate credit worthiness of potential Commercial Vehicles Ijarah customers accordingly to credit Policy.
• Pre-screening of financial application according to stringent credit policy.
• Liaison with RMU, SCD, CAD or any other operations regarding approval, documentations, legal requirement and disbursals.
• Responsible for initiation for the approval from management and to ensure disbursement as well as transaction occurs on time.
• Making case discrepancies and interacting

کمپنی کا لوگو
Area Operation Officer
Meezan Bank Limited
ستمبر ۲۰۱٦ - مئی ۲۰۱۹ | Gilgit, Pakistan

Pre audit planning in accordance with the scope and complexity of the area under review.
• To conduct comprehensive and independent onsite reviews of assigned branches from the perspective of internal control environment, service quality standards and Shariah guidelines. To ensure that regulators' guidelines and policies and procedures laid down by the bank are followed in letter and spirit. To raise red flags in time for application of corrective strategy by the management. To provide enhanced support, guidance and training to branch and to bridge the a, if any, among branch, local management, support offices and head office.
• To ensure that all assigned activities I functions are performed with, "Proficiency" and "Due Professional Care"
• To maintain "Independence" and "Objectivity" in all the activities performed.
• To ensure "Continuous Professional Development" and "Quality Assurance" m performance of all assigned activities and functions.
• To conduct periodical onsite independent reviews of the assigned branches from the perspective of internal control environment, service quality standards and Shariah guidelines.
• Checking compliance with various statutory and internal policies, procedures, guidelines and circulars during the course of review.
• Audit Assignment/ SQC/ Shariah Audit & AOF 100% Assurance Rate.
• New Branches establishment with AM/BM.
• Resource hiring i.e. Operation & Sale staff with ROM/AM recommendations.
• External/Internal presentation on behalf of Bank. i.e. Fraud & Forgery, AML/CFT & Global watch.
• Cash House monitoring regarding follow of cash & collaboration with other branches.
• Collaboration with SBP regarding current Cash Management Strategy & Cash related issue.
• External verification .i.e. Resident / Business in case of Car Ijarah as behalf of Bank.
• Car/Bike Ijarah /Trade Finance (LC etc) case process from Gilgit Main Branch.

کمپنی کا لوگو
Associate Audit Officer
Meezan Bank Limited
دسمبر ۲۰۱۴ - ستمبر ۲۰۱٦ | Islamabad, Pakistan

• Pre audit planning in accordance with the scope and complexity of the area under review.
• To conduct audit of branches in light of annual audit plan.
• Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings
• Checking compliance with various statutory and internal policies, procedures, guidelines and
circulars during the course of audit.
• Maintaining audit-working papers, presenting observations to Team Leader audit for his review.
• Ensuring that all auditable areas assigned by team leader are covered in light of Work distribution Sheet and pre-audit meeting, within prescribed time limit.
• Making draft and final audit report within prescribed time period as defined by Team Leader.
• To conduct or assist in Special Inquiries given from the seniors.
• Any other job / assignment assigned by Team Leader, Regional Audit Manager.
• Provide value added advice and support to business partners on the creation or modification of policies, procedures, processes,

کمپنی کا لوگو
Audit Officer
Zahid Farooq & Co.
اگست ۲۰۱۳ - اگست ۲۰۱۴ | Islamabad, Pakistan

Planning, execution, supervision and finalization of audit assignments including review of audit working papers and identification, communication and resolution of accounting and auditing issues.
• Preparing financial statements in accordance with International Accounting Standards and local regulations.
• Formulating and drafting audit conclusions and opinions, and giving recommendations to management concerning audit findings including advice on several corporate reviews.
• Plans financial audits by understanding organization objectives, structure, policies, processes, internal controls, and external regulations; identifying risk areas; preparing audit scope and objectives; preparing audit programs.
• Assesses compliance with financial regulations and controls by executing audit program steps; testing general ledger, account balances, balance sheets, income statements, and related financial statements; examining and analyzing records, reports, operating practices, and documentation.
• Verifies assets and liabilities by comparing and analyzing items and collateral to documentation.
• Completes audit work papers and memorandum by documenting audit tests and findings.
• Communicates audit progress and findings by providing information in status meetings; highlighting unresolved issues; reviewing working papers; preparing final audit reports.
• Supports external auditors by coordinating information requirements.
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Contributes to team results by welcoming new and different work requirements; exploring new opportunities to add value to the organization; helping others accomplish related job results as and where needed.

کمپنی کا لوگو
Assistant Accountant
Printmatic
جنوری ۲۰۱۳ - جولائی ۲۰۱۳ | Islamabad, Pakistan

Team working skills developed through working with fellow colleagues
• Experienced in providing a team with direction and vision, including motivating people to perform, listening to people, providing feedback, recognizing strengths and providing challenges.
• Strong skills of developing & maintaining day to day processes
• Ability to arrange meetings and prepare schedules for various functions
• Time management / task prioritizing skills
• Demonstrative ability to transfer knowledge through formal and informal trainings

تعلیم

Karakurum International University
بیچلرز, بیچلرز ان آرٹس, Political Science‎
درجہ B+
2019
ACCA Pakistan
سرٹیفیکیشن, ACCA (Associate Chartered Certified Accountant)‎
Management Accounting, Financial Management, Financial Accounting, Audit And Assurance, Performance Management, Accountant In Business, Corporate And Business Law (English), Taxation (United Kingdom)
مکمل
2014
ACCA Pakistan
ماسٹرز, , BS(Hons) Economics&Finance‎
Accounts, Audit and Finance
فی صد 53%
2014
ACCA Pakistan
سرٹیفیکیشن, Certifed Accounting Technician (CAT)‎
Accounts, Audit and Finance
مکمل
2012
Abdul Wali Khan University Mardan
انٹرمیڈیٹ / اے لیول, فیکلٹی آف سائنس (پری انجینئرنگ), Fsc Pre Engineering‎
CHEMISTRY, PHYSICS, MATHS
فی صد 67%
2009
Abdul Wali Khan University Mardan
میٹرک / او لیول, سائنس, matric‎
PHYSICS, MATHS, CHEMISTRY
فی صد 73%
2007

پیشہ ورانہ مہارتیں

ماہر ATM Monitoring
ماہر Audit Rectification
ماہر Control & Compliance
متوسط ERM Framework
ماہر ERM Policies and Procedures
ماہر Financial and Operational Discipline
ماہر Grace Under Pressure
ماہر Leadership Skills
متوسط Operational Risk Management
ماہر Quality Service & Assurance
ماہر Regulatory Compliance
ماہر Risk Based Reports
متوسط Risk Mitigation
متوسط Risk Models
ماہر Staff Training
ماہر Team Building
ماہر Team Co-ordination

زبانیں

ماہر اردو
ماہر پشتو
ماہر انگریزی

Tufail آپکے جاننے والے

Naveed Aman
Shared Administrative Services Company (LLC)