概要

Dedicated and detail-oriented Financial Analyst committed to the teamwork that leads to a teams success. Focused on continual professional and personal growth, including the improvement of business and economic knowledge.

项目

Research Project (Bachelors):
Organizational Behavior and Human Resource Management:
Marketing Research:
Advanced Operations Management
Credit Ratings
Advanced Corporate Finance

工作经历

公司标识
Manager - Credit Risk Review
MCB Bank Limited
Jun 2019 - 代表 | Lahore, Pakistan


• Managing a diversified credit portfolio of about USD 300Mn comprising large corporates & MNCs of Pakistan, Sri Lanka, and UAE with major industries including Textile, Cement, Chemicals, Tobacco, and Food & Beverages
• Evaluate and examine client’s working capital requirements, collateral, transaction feasibility, industry trends along with financial statements and complex financial models for decision support to credit approval and review committee
• Study severity of past due accounts and recommend precautionary steps to prevent future credit losses. Over the years,  collaborated with the business unit on reduction of overdue accounts; reduced 20% in 2019
• Negotiate with business unit regarding credit proposals put forward & ensuring they are restructured in the light of bank’s internal policies and State bank’s regulations
• Monitor new and existing clients through monthly and annual financial and compliance reviews, evaluate ongoing collateral risk, assigned/ validated risk ratings on regular basis, and maintain applicable databases

公司标识
Credit Analyst
MCB Bank Limited
May 2017 - Jun 2019 | Lahore, Pakistan

• Carrying out risk analysis of credit proposals under guidance of Central Bank’s Regulations & Bank’s own policy.
• Conducting thorough financial/credit analysis to identify repayment capacity and future course of business.
• Coordinating with field to swiftly resolve all outstanding issues & queries to facilitate the chain of reviewing process.
• Regular monitoring & compliance follow-ups of special approval terms of allocated accounts to mitigate risk.

公司标识
Intern
cocacola beverages pakistan Ltd.
Dec 2016 - Feb 2017 | Lahore, Pakistan

Worked with the commercial team to implement the DFMS (Distributors Financial Management System).
Coordinated with different distributors and helped them to resolve their issues concerning DFMS.

公司标识
Associate Finance Intern
Nestle Pakistan Limited
Sep 2016 - Dec 2016 | Lahore, Pakistan

Managing and updating bank account details in SAP, reporting modes of receipt collection (same bank, cross bankcheque, SIDA).
Updating of legal bank documents.
Reporting of payment and collection cash flow forecast. Managing a strong relationship with bank partners.

公司标识
Marketing Intern
Nestle Pakistan Limited
Jul 2016 - Aug 2016 | Lahore, Pakistan

Conducting a research on consumer research for Nestle's Breakfast Cereals category.
Visit key account outlets to find insights for increasing the market share.

公司标识
Teacher Associate
Lahore School of Economics (LSE)
Jan 2016 - Apr 2016 | Lahore, Pakistan

Provided the assistance to professor in managing lectures, marking quizzes and assignments.

学历

Lahore School of Economics
硕士, 工商管理硕士学位, MBA‎
Finance
CGPA 3.3/4
2016
Lahore School of Economics
学士, 工商管理学士学位, BBA (Hons)‎
CGPA 3.2/4
2015
The City School, PAF Chapter
中级/A级, 等级A, A-Levels‎
General Science
所占比重 64%
2011

技能

熟练 Analytical Skills
熟练 Can do Attitude
熟练 Conservation Awareness
中级 Cooordination Skills
熟练 Experience on various Financial platforms
熟练 Financial Analysis
中级 Financial Modeling and
熟练 Handling Assignments
熟练 MIT Knowledge
熟练 Operational Tasks Handling
熟练 Presentation Skills
熟练 Selling Capabilities
熟练 Stakeholder Management
熟练 Strong Mathematical Knowledge
熟练 Written Oral and Communication

语言

中级 旁遮普语
熟练 乌尔都语
熟练 英语