خلاصہ

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.

تجربہ

کمپنی کا لوگو
Credit Processing Manager/ Regional Manager Credits
Habib Bank Limited (HBL)
اپریل ۲۰۲۱ - موجودہ | Bahawalpur, Pakistan

Supervise credit factory for credit processing and Risk evaluation.

کمپنی کا لوگو
Senior Relationship Manager Retail Lending (SME)
Habib Bank Limited (HBL)
جون ۲۰۱۸ - مارچ ۲۰۲۱ | Rahimyar Khan, Pakistan

To manage and enhance credits portfolio.

کمپنی کا لوگو
RM Commercial Banking & SME
Faysal Bank Limited
نومبر ۲۰۱٦ - جون ۲۰۱۸ | 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

کمپنی کا لوگو
Credit Officer
The Bank of Khyber
فروری ۲۰۱٦ - نومبر ۲۰۱٦ | 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.

کمپنی کا لوگو
Relationship Manager SME
Bank Alfalah Limited
ستمبر ۲۰۱۱ - فروری ۲۰۱٦ | 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.

تعلیم

Islamia University
ماسٹرز, ماسٹرز ان کامرس, M.Com‎
Finance
CGPA 2.8/4
2009
Islamia University
بیچلرز, بیچلرز ان کامرس, B.Com‎
Commerce
فی صد 59%
2007
BISE
انٹرمیڈیٹ / اے لیول, انٹرمیڈیٹ ان کمپیوٹر سائنس, I.C.S‎
Computer, Math, Stat
فی صد 65%
2005
BISE
, Matric in Science‎
فی صد 64%
2003

پیشہ ورانہ مہارتیں

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

زبانیں

ماہر انگریزی
ماہر سرائیکی
ماہر پنجابی
ماہر اردو

Muhammad آپکے جاننے والے

Zainab Rashid
Indus hotel hyderabad
Muhammad Younus
Khushhalibank limited