Crop Picture
NOTE: Do not upload any image that violates our Picture Policy. Doing so will result in the removal of the concerned image without prior notification.
概要
I bring along close to 10 years of hallmark career in dynamic financial organization while significantly contributing in enhancement of the capacity & productivity of the organization, with an excellent set of leadership skills and commitment. I have completed my Master in Business Administration (MBA-Finance) from Muhammad Ali Jinnah University, Islamabad, Pakistan and completed my Bachelors of Arts (B.A – Economics, Journalism) from Islamia University Bahawalpur, Pakistan. I possess proven expertise that include all the operations of a modern business organization, efficient in handling a wide base of staff and processes with equal dedication and involvement. I am proficient in using the latest technology, advanced business applications, operating systems, and communication devices, have the ability to accept and overcome challenges and deliver excellent results through mutual efforts.
My key skills include Financial Analysis, Portfolio Management, Team Management, Compliance, Client Relationship Management, Asset Management, Documentation, Negotiation, Operations, Credit Administration & Maintenance, Strong Communication, Presentation Skills,
I was engaged with United Bank Ltd Sahiwal, Pakistan as Regional Head Retail Assets where I was responsible to create regional sales plans and quotas in alignment with business objectives. Reported on regional sales results, forecasted quarterly and annual profits. Identified hiring needs, select and train new salespeople. Prepared and reviewed the annual budget for the area of responsibility. Analyzed regional market trends and discover new opportunities for growth. Addressed potential problems and suggest prompt solutions. Attached is my resume which showcases my progressive experience and successful track record for leading successful initiatives. My professional background and great industrial exposure coupled with an excellent track record makes me an ideal candidate for executive roles.
工作经历
Credit Process Manager
I Join as Senior Credit Analyst and and Elevated as Credit Process Manager in Regional Office
Regional Head Retail Assets
• Managed the team and portfolio of three district containing 6 people.
• Approving / Recommending the Credit Proposal after due compliance in accordance with Credit Policy of the bank.
• Met with potential credit client recommended by branches or rm through submitting pipeline
• Maintained the portfolio in accordance with credit maintenance policy like implementing product manual e.g. ppm for rice, cotton, business mortgage finance and liquid assets.
• Served the team in managing assign targets.
• Dealt all the credit matters / issues pertain 68 Branches of the Region.
• Successfully managed any task assigned by RBH or Cluster Head.
• Expertise in assessing the client need of their working capital need or their any other business need on demand.
Relationship Manager (Assets)
• Accountable for Managing Relationship of 18 branches of District Office Sahiwal.
• Reported toregional head commercial assets of sahiwal region.
• Handled Small and Medium Enterprise (SME) portfolio consisting of major Fertilizer / Agri Dealer, Trader, Rice / Flour and Cotton Mills.
• Successfully managed Portfolio of 18 Branches in Sahiwal Area.
• Prepared credit proposals while ensuring credit quality through effective monitoring. Managed and executed deals related to asset lending for SMEs.
• Deepened existing relationships through cross sell and relationship building while assisting the Branch manager.
• Major clients included Ch Flour Mill, Adil Flour Mill, New Madina Rice Mill, and Usman Brother Oil Mill. Rana Brothers, Supreme Carriage International and more.
• Provided services for Trade Finance Facility Bank Guarantee / Inland/ Foreign LC.
Officer - Credit Operations
• Held responsible for Credit Operations in Faisalabad Branch having following operations performed at branch level in a Centralized environment.
• Reported to Asst. Manager Credit Operations (Central).
• Performed credit administration (Corporate, SME Segments) and Credit Control.
• Provided Security Documentation (processing, FCL preparation as per approved Credit Memo).
• Corporate Account Documentation (Local & Foreign Companies).
• Assisted to Trade Finance Businesses Developer Manager.
• Carried out negotiations of foreign bills/ LC Advising.
• Exported Documentation and dispatched to Central Trade Unit.
• Dealt in Miscellaneous trade related transaction and correspondence.
Relationship Officer
• Decentralized Environment where all the function from initiation to documentation and disbursement under one umbrella.
• Assisted to Credit Manager and performed various duties.
• Performed analysis of balance sheet and financial statement.
• Prepared Credit Proposals.
