概要


Objective:


My aim is to work with an organization that can provide me with ample challenges and


chance of growth. I prefer working in teams with a diverse mix of people. Me biggest source of


motivation are my communication skills, challenging and team work environment where performance


is measure on the basis of quality of work and ability to meet tight and demanding deadlines and


targets.


工作经历

公司标识
Branch Officer
Telenor Microfinance Bank
Oct 2018 - 代表 | Kamokey, Pakistan


Oversee account opening, account closing, and product sales activities.
Review load application, approve or disapprove loans, and communicate loan decisions to customers.
Build positive working relationship with existing customers for repeat businesses.
Make follow-up calls with customers and close all pending items. Identify and contact potential customers to increase customer base. Work with management to develop customer retention and outreach strategies.
Core Competencies Client focus Interpersonal skills Communication planning & organizing Initiative Judgment & decision making Professional Training Customer service. Goal setting. Giving and receiving feedback.
Communication skills.
Technical Training Standards of client service Client acquisition Screening.
Cross check Risk analysis Completing form Monitoring collections Symptoms of fraud Bank Policies & procedures. 

公司标识
Branch Manager
ASA Pakistan Ltd.
Feb 2016 - Sep 2018 | Pindi gheb, Pakistan


Manage delivery of products and services in the branch and related representative office(s) to ensure progress toward the goals and objectives of the strategic and operational plans that support maximum outreach under the condition of profitability.
Manage branch operations including marketing/sales efforts, business analysis and client screening, loan disbursements, payment collection, savings (if applicable), etc.
Participate actively in credit operations and interaction with clients spend time in the field in direct contact with credit teams and clients.
Perform spot checks of clients and Credit Officer Activities.
Perform a leadership role in credit committees to ensure high technical quality of business analysis and credit decision-making.
Approve loans up to amounts specified in credit manual for the position and personal credit approval limits.
Control the level of efficiency and accuracy in all back office operations for organization and maximum customer satisfaction.
Manage branch level administrative department to support operations and maximum customer satisfaction.
Supervise personnel policies and procedures at the branch so that all legal and Telenore Bank  requirements are met Support the design, testing, and rollout of new / revised products and services as required. Perform regular monitoring of competitors and overall market demand in branch.
Responsible of screening asset files as monitor c Maintain, manage and monitor all customer related operational issues Develop and execute branch sales strategies to maximize revenues.
Ensure coordination between sales, marketing, accounts and administrative departments. Ensure training to sales and marketing teams. Prepare financial statements for the head office. Monitor expenses of the branch.
Ensure profitable results in administrating branch office. Develop and communicate business strategies to the branch staff. Maintain all relevant databases and update. Prepare branch budget and submit to head office

公司标识
Loan Officer
ASA Pakistan Ltd.
Dec 2012 - Jan 2016 | Lahore, Pakistan


1)Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
2)Meet with applicants to obtain information for loan applications and to answer questions about the process.
3)Analyze applicants\' financial status, credit, and property evaluations to determine feasibility of granting loans.
4)Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
5)Obtain and compile copies of loan applicants\' credit histories, corporate financial statements, and other financial information.
6)Review and update credit and loan files.
7)Review loan agreements to ensure that they are complete and accurate according to policy.
8)Compute payment schedules.
9)Stay abreast of new types of loans and other financial services and products in order to better meet customers\' needs.
10)Submit applications to credit analysts for verification and recommendation.
11)Handle customer complaints and take appropriate action to resolve them.
12)Work with clients to identify their financial goals and to find ways of reaching those goals.
13)Confer with underwriters to aid in resolving mortgage application problems.
14)Negotiate payment arrangements with customers who have delinquent loans.
15)Market bank products to individuals and firms, promoting bank services that may meet customers\' needs.
16)Supervise loan personnel.
17)Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
18)Provide special services such as investment banking for clients with more specialized needs.
19)Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
20)Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
21)Arrange for maintenance and liquidation of delinquent properties. 22)Interview, hire, and train new employees.

学历

Allama Iqbal Open University (AIOU)
学士, 艺术学士, B.A‎
Business Economics, English
CGPA 2.5/4
2019
Allama Iqbal Open University (AIOU)
学士, , ( B.A ) Bachelors of Art‎
English
所占比重 63%
2019
Board of Intermediate and Secondary Education Gujranwala Punjab Pakistan
中级/A级, 贸易学学生, I.com‎
Commerce
2011
Board of Intermediate and Secondary Education Gujranwala Punjab Pakistan
大学入学/0级, , ‎
Administrative Sciences
所占比重 57%
2008

技能

熟练 Banking
熟练 Branch Management
熟练 Credit Proposal
中级 Credit Risk Analysis and Mitigation
熟练 Database Management 
熟练 field wor
熟练 Fluent in English
熟练 Loan Officers
熟练 Reporting
中级 Risk Asses
熟练 Transaction Record Management
熟练 Turbine Monitoring
中级 VAS Support

语言

中级 英语
熟练 乌尔都语

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