概要

Adaptability, persistence, and a competitive spirit underscore academic successes where goal–setting and balanced judgments have been crucial to delivering results.


I am a highly motivated and performance driven professional with 10+ years’ experience in the banking industry. Astute assessments and decisions have consistently engendered exceptional confidence and support by bank line and credit executives. A commitment to learning and independent work habits serve to produce skills that transfer to a high level of professionalism. Instrumental in formulating standard operating procedures by studying requirements, activities, and reporting formats, assessing proposals, conducting risk analysis, and supervising documents. Astute in identifying performance gaps and recommending solutions that align business and financial plans and deliver ground-breaking results. Ability to build strong rapport with personnel, customers, and associates based on knowledge, professionalism, and integrity with proven track record of increasing department efficiency, establishing processes and exceeding customer expectation.


My key skills include Banking Operations, Customer Service, Banking & Financial Services Management, Asset Management, Loan Documentation & Processing, Banking Risk & Regulations, Cash Handling, Client Relations, Legal Documents, Communication Skills, Problem Solving and MS Office


My professional background and great industrial exposure coupled with an excellent track record makes me an ideal candidate for executive roles. As such, I would welcome a discussion regarding opportunities with your organization that fit my background.

工作经历

公司标识
Accounts Officer
Kaim khani and brothers
Jul 2023 - 代表 | Karachi, Pakistan


Responsibilities:  
Maintain Proper all GL accounts.
Bank Reconciliation Statement
Analysis all daily transactions.
Verifying the party bills for payment
Book keeping
Record keeping for daily vouchers
Manage Petty cash
Accural accounting
Maintain Account Receivable GL
Maintain Account Payable GL

公司标识
CAD Officer
JS Bank Limited
Nov 2018 - Feb 2022 | Karachi, Pakistan


Analysis of gold loans proposals. Checking and reviewing all post sanction documents as per policy. Authorization for Gold Finance disbursement. Documentation for Appointment of Gold smith/Shroff as gold valuator for gold finance. Auction/liquidation proceeding against gold finance. Authorization for security releasing. Legal notices / Reminder letters making and follow up. eCIB verification and market checking.

Manage the credit administration function at the branch and coordinate with other functional in charges for ensuring smooth execution of day-to-day activities of the credit administration function in an effective manner.
Check documents submitted along with the credit proposal of significant loans to authenticate validity for safeguarding Bank’s interests against future default by the borrower by recovering the loan amount by liquidating collaterals.
Examine, formulate, maintain, and complete all documents of customers while following management guidelines.
Conduct periodical review on loan administration policy and procedures to streamline workflow.

公司标识
Operations Manager
Telenor Micro Finance Bank
Sep 2010 - Nov 2018 | Karachi, Pakistan

Approving Cheque book & ATM Request and Custodian. Booking TDR & Saving Certificate. Pay order and cheque clearing execution. MWallet Mobile Account Opening. Resolve all easy paisa queries. Co-ordinated with RM/ OM and Head office. Requisition for eCIB & NADRA verification.

Performed a wide range of banking transactions in a timely and efficient manner, ensuring superior customer service and compliance with all banking regulations, policies, and procedures.
Efficiently managed daily operational standards relate to new account opening, account uploading, inward and outward clearing, remittance, Loan Disbursement, fund transfer and relationship management.
Developed and strengthened professional working relationship with a wide range of customers, by meeting and exceeding customer expectations and requirements within the department.

学历

University of Karachi
学士, 贸易学士, B Com‎
Accounting & Finance, Banking & Finance
2010

技能

中级 Book Keeping
初学者 Accounnts Management
中级 Account Planning
熟练 Accounting
初学者 Accounting Cycle Knowledge
中级 Accounts Administration
初学者 Accounts Finialization
中级 Accounts Payments Handling
中级 Accounts Receivable Skills
中级 Anti Money Laundering
中级 Audit Reports Management
中级 Balance Sheet
熟练 Bank Reconciliation     
熟练 Banking Skills
初学者 Business Intelligence
初学者 Business Statistics
中级 Communication Skills
初学者 Complaint Management
中级 Compliance
熟练 Cooordination Skills
中级 Credit Analysis
熟练 Daily Invoicing
初学者 Direct Tax
熟练 Email Writing
初学者 Employee Management
中级 Excel Reporting
熟练 Finance Management
熟练 Finance Reporting
初学者 Human Recourse Management
初学者 Internal Audit
中级 Knowledge Of MS Office
中级 Ledger Reconciliation
熟练 Operations manager
初学者 Payroll Management
熟练 Quality Control Printing
初学者 Remittance
中级 Social Welfare Management
熟练 Special Effects
初学者 Statistical Reporting
初学者 Supply Chain Management
中级 Time Management
初学者 Trail Balance
中级 Transaction Monitoring
初学者 Vendor Coordination
熟练 Vendor Management
中级 Vendor Management Skills

语言

熟练 乌尔都语
中级 英语

Muhammad 联系人