Summary

Experienced financial professional with 6 years of expertise in microfinance banking, specializing in MSME loan management, credit appraisal, and risk analysis. Successfully managed large-ticket business, housing, and commercial vehicle loans, building and maintaining fresh portfolios. Skilled in account opening, loan recovery, and compliance with credit policies. Adept at conducting credit verifications and mitigating risks in financial operations. A results-driven professional committed to ensuring financial growth and operational excellence.

Experience

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Verification Officer/Credit Officer
U Microfinance Bank
Nov 2023 - Present | ICT, Pakistan

Pre and post verification of loan files according to the bank policy's,

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Credit Officer ( Verification Officer)
LOLC Microfinance Bank
Mar 2023 - Oct 2023 | Rawalpindi, Pakistan

divpVerification of loans and maintain bank rules and regulations , verification of files docoments /p/div

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Realationship Officer MSME
HBL Microfinance Bank
Jan 2019 - Jan 2023 | Taxila, Pakistan

Lending on various products of bank according the product manual, high &low ticket size of loans maintain the service quality of organization and bank policies, working in Urban and rural areas build and handled 70 million of portfolio with 450 number of clints and 100 % recovery

Education

University of the Punjab
Masters, Bachelors in Arts, B.A‎
Political Science
Percentage 49%
2012
FG Degree College for Men Wah Cantt.
Intermediate/A-Level, Faculty of Arts, F.A‎
Percentage 57%
2010
Rawalpindi Board (BISE Rawalpindi)
Non-Matriculation, Matric in Arts‎
Arts
Completed
2008

Skills

Expert Account Creation
Beginner Accounts / Manager
Intermediate Accounts Payments Handling
Beginner Administration Knowledge
Beginner Agri Knowledge
Beginner Analytical Skills
Intermediate Anti Money Laundering
Intermediate Bank Reconciliation on
Expert Banking Knowledge
Intermediate Business Development
Expert Business Development Process
Intermediate Business Development Process 1
Intermediate Business Development Strategies
Beginner Business Strategies
Intermediate Cash Handling
Intermediate Cash Registration
Expert Client Dealing 
Expert Client Relationship
Expert Client Relationship Management
Expert Communication and Negotiation Skills
Expert Communication Skills
Intermediate Complaint Management
Intermediate Compliance
Expert Computer Applications Command
Intermediate Conflict Management
Expert Coordination Skills
Beginner Credit Assessment
Expert Credit Collection Recovery
Intermediate Credit Proposals
Expert Cross Selling
Expert Customer Analysis
Expert Customer Relation Management
Intermediate Customer Retention
Expert Customer Satisfaction Management
Expert Customer Service
Expert Customer Service Skills
Expert Customer Services
Expert Decision Making
Expert End to End Sales
Intermediate End-to-End Sale
Intermediate Equipment Maintenance Coordination
Expert ERP Oracle
Intermediate Financial Analysis
Expert Fluent in English
Expert Front Office Support
Intermediate Industry Risk Analysis
Expert Installation Process Knowledge
Intermediate Interpersonal Skills
Intermediate Land Revenue Documentation
Intermediate Lead Generation

Languages

Intermediate English
Expert Punjabi
Expert Urdu