概要

Experienced Credit Services Officer at MCB Bank Limited with over 9 years of dedicated service. Proven expertise in assessing creditworthiness, managing loan portfolios, and ensuring compliance with regulatory standards. Adept at fostering client relationships and implementing effective credit risk strategies. Committed to driving financial success through meticulous analysis and sound decision-making.

工作经历

公司标识
Officer Credit Services
MCB Bank Limited
Aug 2020 - 代表 | Faisalabad, Pakistan

Approve loans within specified limits, and refer loan applications outside those limits to management for approval. Meet with applicants to obtain information for loan applications and to answer questions about the process. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. Review and update credit and loan files. Review loan agreements to ensure that they are complete and accurate according to policy. Compute payment schedules. Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs. Submit applications to credit analysts for verification and recommendation. Handle customer complaints and take appropriate action to resolve them. Work with clients to identify their financial goals and to find ways of reaching those goals. Market bank products to individuals and firms, promoting bank services that may meet customers' needs. Set credit policies, credit lines, procedures and standards in conjunction with senior managers. Trade documents related to transactions are forwarded to TSC along with Document Forwarding Letter (DFL). EFE Monitoring mechanism (Export docs follow-up) To approve EIF & EFE through Web Based One Customs (WeBOC) Disbursement & Adjustment of All trade related Loans Provision of Foreign Exchange Related Services to Individuals Outward Remittance other than Trade through COD Inward Remittances follow up with COD Foreign Telegraphic Transfer (FTT) Foreign Cheque for Collection (FCC) Foreign Demand Draft (FDD) Monthly Foreign Exchange Returns Submission of Cases to FEOD, SBP on Standardized Format

公司标识
General Banking Officer
MCB Bank Limited
Dec 2014 - Aug 2020 | Faisalabad, Pakistan

The primary responsibility is to meet high standards of external and internal customer service by ensuring process standardization, timely service, inculcation of customer-centric culture and strong operational controls in accordance with the high standards of service quality of the bank.
Mange New to Bank accounts and providing proper guidance regarding to procedures and requirements to new/prospective customers. Also responsible to cross sell various products offered by the Bank.
Interact with customers at the branch entrance / inquiring on their purpose of visit and guide them to the relevant desk accordingly for efficient service provision.
Resolve/reply the queries of the customers, maintain the customer complaints log book, continuous follow-ups and re-directing the customer to the concerned department for resolution of their queries to ensure the customer leaves the branch satisfied.

学历

Institute of Bankers Pakistan
证书, JAIBP‎
Branch Banking, Introduction To Financial Systems And Banking Regulations
Incomplete
2019
Government College University Faisalabad
硕士, 贸易硕士学位, M.COM‎
Accounting & Finance, Financial Management, Marketing
CGPA 3.53/4
2013
University of the Punjab
学士, 贸易学士, B.Com‎
Accounting, Economics, Money Banking & Finance
所占比重 66%
2011
Abdussalam college of science and commerce
中级/A级, , F.Sc Pre-Engineering‎
所占比重 53%
2009
Government higher secondary school Awagat Faisalabad
大学入学/0级, , Matric in Science‎
所占比重 75%
2007

技能

熟练 Account Management Skills
熟练 Account Opening
熟练 Account Servicing
熟练 Anti-money laundering AML
熟练 Branch Operations Management
中级 Business Management Solutions
熟练 Commercial Banking Knowledge
熟练 Commercial Retail Banking
熟练 Corporate Finance
熟练 Customer Service Skills
熟练 EKYC
熟练 Financial Statement Analysis+
熟练 Handling Assignments
熟练 Internet Banking
中级 Key Client Relationship
熟练 MS Excel
熟练 Social Studies Subject Command

语言

熟练 旁遮普语
熟练 乌尔都语
熟练 英语

Rizwan 联系人

Irfan Zia
Structure Health & Fitness
Muhammad Haroon Yousaf Khan
World Patients Alliance