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
CAD Officer
JS Bank Limited
Nov 2018 - 代表 | 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, , B com‎
Finance and Banking
2010

技能

中级 Account Planning
初学者 Accounting Management
中级 Accounting+
初学者 Accounts Administration
初学者 Analysis Skills
初学者 Balance Sheets
熟练 Banking Relationships
初学者 Branch Licensing Policy
中级 Credit Analysis
中级 Finacial Management
中级 Knowledge Of MS Office
熟练 Management Experience
中级 Operations Management
熟练 Operations manager
中级 Petty Cash Management
初学者 Remittance
初学者 Supply Chain Management

语言

中级 英语

Muhammad 联系人

Raza Amanat
Leader Tanries