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Summary
A keen individual seeking challenging opportunities in a progressive and well reputed financial institution. Aimed to prove his worth and contribute his high academic knowledge to the success of the organization. Demonstrated history of working as a Recovery Officer. Skilled in the mortgage financing and highly Knowledgeable about Mortgage Financing, Information Technology, Marketing, Branch Operations, and customer services. Greatly passionate about real estate and ambitious about playing a pivotal role in transforming his Knowledge of the mortgage finance and commercial banking industry of Pakistan by joining hands with a progressive, well reputed and customer oriented institution.
Experience
Recovery Officer
Job Description: Recovery and Operation
Reduction in NPL, Preparing court cases under sec15, Periodic generation of recovery reports, Leading the recovery team and sale with BM coordination and marketing through broushers and flex in different societies in Branch Office, devising strategy for recovery in consultation with BM, reporting to recovery coordinator ROL timely. Mortgaging property under Govt subsidy scheme, Redemption also.
Others Expertise gained:
Marketing, Credit Analysis, Credit processing through Auto LMS, Disbursement, Processing of fresh investment cases in Govt Subsidy Scheme through Mera Ghar Mera Pakistan and achieved the 100% targets in 2021.Generation of periodic reports, Customer Relationship, Keeping liaison with external and internal agencies, Account Closing, Lodgment of PDCs timely confirmation from bank for encashment of PDc.Working as a Relationship/Information Manager.
Achievements (KPIs):
NPL ratio in 2021 in single digit, No default in new cases sanctioned from 2017 to onwards, one of the top 3 performing branches in Punjab, 107% recovery achieved in 2021, Recovery awards in 2018 and 2020, have been allotted the Gas Flexi scheme for recovery and brought NPL ratio to a single digit, gave my 100% to all other tasks besides recovery and achieved the desired result satisfactorily.
Achieved 103% target Disbursement of Branch Office Sheikhupura in 2021.
Assistant Account Officer
Dealing with the banks, bank reconciliation,and deal with the student affairs, utilize the UMS software efficiently.
Internship
During six weeks internship working in different departments and over all knowledge of banking system
Accountant
Work as an accountant and admin incharge of overall school
