概要

I am a student of Masters in Social Science subjects.I am very enthusiastic person with self- discipline, also a punctual and determined individual who is capable of working on own initiative or as a part of a team, a very reliable and a quick learner. I have a calm and perceptive personality and self-motivated with a commitment to achieve and succeed in every field.

工作经历

公司标识
Credit Risk Officer
U MICROFINANCE BANK LTD
Mar 2023 - 代表 | Gujranwala, Pakistan


Assess creditworthiness of existing or prospective clients
Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
Complete ratio, trend and cash flows analyses and create projections
Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
Determine in depth the degree of risk involved
Carefully analyse data and produce clear and objective reports
Routinely monitor loans for compliance

公司标识
Sr Loan Officer
HBL MicroFinance Bank Ltd
Aug 2019 - Mar 2023 | Hafizabad, Pakistan

Over the past 6 years I have worked as a Loan Officer for 2 of the biggest financial institutions and have consistently delivered results in terms of sales, customer satisfaction and risk mitigation. I am confident that the experience and additional knowledge I gained has made me ready and capable to assume the position of Senior Loan Offer for HBL Microfinance Bank Ltd.

公司标识
Loan Officer
ASA Pakistan Ltd.
Nov 2016 - Jul 2019 | Islamabad, Pakistan

Experienced and attentive Loan Officer with several years of experience providing excellent customer service.Lending, risk and leadership skills to drive the remediation of the loan portfolio and establish the necessary risk processes, infrastructure and a new risk cultureExcellent leadership, interpersonal, team and communication skills Knowledge of banking regulations Sound working knowledge of the overall operations of the loan/credit departmentsAbility to establish credibility and rapport knowledgeable and personable looking for ways to improve the operations of the BankExcellent communication and interpersonal skillsProven ability to demonstrate and coach exceptional customer service

学历

University of Sargodha
学士, 艺术学士, Bachelors in Arts‎
等级 B
2014
BISE Gujranwala (Private Candidate)
中级/A级, 艺术系, F.A‎
Education, Islamic Studies, Punjabi
等级 B
2012
Govt-High School,Udhowali
大学入学/0级, 科学, matric‎
Physics, Biology, Chemistry
等级 A
2008

技能

中级 Administration Knowledge
中级 Analytical Skills
中级 Appraisal Skills
熟练 Conservation Awareness
熟练 Cooordination Skills
熟练 Customer Relationship Management
熟练 Customer Service Skills
中级 Goal Orientation
熟练 Handling Assignments
中级 Loan Sales Management
熟练 Official Tasks Handling
中级 Pleasant Diposition
中级 Record Keeping
熟练 Relationship Management
初学者 Telemarketing Skills

语言

中级 英语
熟练 乌尔都语

Muhammad 联系人

Arif Ali Bhatti
House Building Finance Company
Tajamal Hussain
U Microfinance Bank