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خلاصہ
Experience
A professionally qualified banker with more than19-years experience with two leading Banks of Pakistan i.e. Bank Al-Falah Ltd. and MCB Bank Ltd. During this span,I worked at various places, in different offices with diversified responsibilities at various departments. This gave me opportunity to polish my banking skills in such a manner to become a seasoned banker with specialty in the field of Credit/Lending.
Effective from September 2015, I took a career break, however kept myself engaged in handling my investment portfolios at Karachi Stock Exchange and sale/purchase of plots.
پراجیکٹس
تجربہ
Credit Manager Retail Banking Group
Job Responsibilities at Bank AL-Falah Ltd [From 01.01.2006 tio 03.09.2015]
Managed credit portfolio of [100+ branches] more than Rs.12 Billion, consisting of SME/Commercial/Corporate Borrowers with the lending requirements for WC Finance, Long Term Finance and International Banking Facilities by using my these skills:
1. Credit Analysis
2. Financial/Cash Flow
3. Industry Analysis
4. Project analysis through feasibility study
5. Analysis of Prime & Collateral Securities
6. Risk Assessment
7. Business Analysis by paying visits to the sites
8. Compliance of Regulatory Frame Work
Regional Credit Coordinator
Corporate Lending
Processing/handling Agriculture Credit [Production/Development Loans]
Processing of Seasonal Financing Proposals for Ginning/Rice/Oil/Textile Industry/Wheat
Processing of Proposals for Financial Relief (Write off/ Waiver/ Rescheduling /Restructuring/ Settlement of NPLS)
Ensuring implementation of regulatory frame work, compliance of internal policies/procedures
Monitoring of Non-Performing Loans/Watch Listed A/Cs i.e. monitoring of Recovery Suits Filed/yet to be filed, arranging meetings with delinquent borrowers for negotiations, getting updates on Legal Proceedings etc.
Responsible for MIS work which includes but not limited to off site monitoring/preparation of Credit/Budgeting Plans of credit portfolio
Handling disbursement issues in coordination between branches & CAD
Area Credit Manager South IV
Managing the entire Credit Portfolio of South-IV Area, responsibilities includes:
Approval of Credit Limits to Corporate/Commercial/SME/Agriculture and Consumer type borrowers ensuring the same are in compliance with SBP PRs and bank\'s internal policies
Paying visits to customer sites
Monitoring of Credit Portfolio, ensuring timely recovery of m-up and principal
Credit Analyst-Commercial Banking Gr , Team Leader Credit at Clifton Branch
Processing of Credit Line Proposals and Monitoring of NPL portfolio of South Region of more than Rs.1Billion, making follow up with the branches for recovery of delinquent accounts, approving financial relief proposals [write off/waiver/rescheduling/restructuring], follow up of legal cases, arranging meetings with the delinquent borrowers convincing them to arrive at settlement plan.
Credit Officer at Corporate Branches, Probationary Officer
Jan. 1998-Dec. 1998 Credit Officer at The Mall Branch Lahore
Jul. 1997-Dec. 1997 Credit Officer- Ajmal House Branch Lahore
Jan. 1997-Jun. 1997 Manager Accounts and FCY In charge at Ajmal House Branch Lahore
May1996-Dec. 1996 Attended extensive theoretical & practical training at Staff College
