Experience

National College Of Business Administration & Economics

• Pakistan
• Higher Education
• 100 - 200 Employee

• Visiting Lecturer

  • Nov 2016 - Present

  Responsibilities includes initializing the course outlines according to the requirements/need keeping in view the market trends of the banking sector and considering the level of the audience/pupil i.e. BBA, MBA, preparing all the course outline related materials from various sources, show slide presentations, handouts, references, practical experience related materials, SBP regulatory policies/PR’s handouts, delivering lectures using practical examples. Assigning assignments, presentations & projects and Preparing quizzes, question papers etc. Potential aim is to deliver and share practical knowledge and develop basic understanding of “Banking sector” its History, implication in an economy, functions, operations, divisions, products, target customers, target market etc. to the pupils according to their level of understanding. Discussing and encouraging/accepting suggestions from them according to the market needs or current scenario. Discussions includes current scenarios and affairs of the sector, also priority is to keep 35 to 40 head counts attentive and involved in a session of one and a half hours and twice a week. Aim is to train and produce superior quality of pupils and to adapt them with relevant knowledge of the course by utilizing years of experience in the sector. Show less



HBL - Habib Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• • Feb 2010 - Mar 2013

  Responsibilities includes commercial/retail lending business development; inclusive of handling existing portfolio & additional new business; preparing/submitting credit memorandums for annual/initial reviews on timely basis, making periodic reports, analyzing account behaviors, facility requirements, markup obligations. Handling portfolio of three branches of Gulberg Area, Liaison with Clients, Branches, RHQ, CAD & Risk – HOK.

• • Mar 2007 - Feb 2010

  Handled portfolio of PKR 3.5Billion, responsibilities include interacting with customer and facilitating their daily transactions (following up client’s transactions in Trade, CAD and Operations Departments), preparing/submitting credit memorandums for annual/initial reviews, making periodic reports, analyzing the account behavior, facility requirements and following up on outstanding issues i.e. related to CAD, Risk and meeting financial obligations.



Bank Alfalah Limited

• Pakistan
• Banking
• 700 & Above Employee

• Assistant Manager/Team Leader - Risk Management Division - Corporate & Commercial Banking Group.

  • Aug 2004 - Mar 2007

  Responsibilities included Credit Risk evaluation/ recommendation/approval of finance credit lines proposals raised by Branches of all the Regions in coordination with Risk team. Risk evaluation consisted of asset, industry, exposure and financial risk analysis. Liaison with Head Office – Karachi, all Area Offices & all Branches of North & South. Responsibilities included Credit Risk evaluation/ recommendation/approval of finance credit lines proposals raised by Branches of all the Regions in coordination with Risk team. Risk evaluation consisted of asset, industry, exposure and financial risk analysis. Liaison with Head Office – Karachi, all Area Offices & all Branches of North & South.



IGI - Investment Bank formerly INTERBANK

• Gulberg, Lahore, Pakistan

• Investment Banking Officer - Corporate & Marketing Department

  • Jan 2003 - Aug 2004

  Responsibilities included marketing of middle tire corporate & SME prospective clients from different segments of industry to meet the annual targets effectively. Preparation of Credit Proposals based on the detailed operational, managerial, financials and security/collateral evaluation for consideration/approval from competent authorities. Execution of legal documents, follow-ups for markup and obligations, Audit related reviews. Also was responsible for deposit mobilization/customer service of current and prospective Clients of the Bank. Assisted in preparation of various reports for monitoring timely recovery of rentals, renewal of insurance etc. Monitoring of daily, weekly, monthly and quarterly reporting to Head Office/Chief Executive. Show less



SME Bank Ltd.

• Gulberg, Lahore, Pakistan

• Relationship Officer - Credit, Marketing & Risk Department, Provincial Office.

  • Jun 2002 - Dec 2002

  Responsibilities included, marketing, credit & risk assessment/evaluation of purely SME clients, processing, approvals, documentation and disbursement. Credit & Risk assessment consisted of site/business visits, industry analysis, security/collateral assessment as the product was funded facility against collateral/mortgage of property. Continuous liaison with outsource Lawyer for mortgage of property against financing and with the client for credit appraisal, disbursement process & recovery follow-up. Target was to build healthy portfolio focused on credit assessment of the unorganized sector. Show less



HBL - Habib Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Associate Corporate Officer - Corpoarte Centre Lahore, Corporate Banking Group.

  • Jun 2000 - Jun 2002

  Assisted Corporate Marketing team in various routine assignments/tasks. Mainly assisted in research work on “Sugar Industry Report of Pakistan (2000-01)”, my assignment included the groundwork of comprehensive industry Study, preparation of basic financial module i.e. consolidated spread sheets of all the sugar mills of industry for financial/ratios analysis along with tiering criteria, collection of latest updates from internet, economic surveys and business/economics related magazines. Other tasks were preparation of spreads sheets on behalf of RM’s, periodic reporting and presentations, offer letters, maintained/follow-up of escrow account of corporate clients under the supervision of RM’s and preparation and maintenance of Credit files according to credit policy, also coordinated with Credit Administration Department and Branch Banking for execution of transactions on behalf of RM/TL. Show less



HBL - Habib Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Corporate Intern - Corporate Centre Lahore, Corporate Banking Group.

  • Oct 1998 - Mar 2000

  Worked with Senior Team Leader; learnt about corporate banking environment/culture. Prepared spread sheets and correspondence as assigned, prepared and maintained credit files according to credit policy. Worked with Senior Team Leader; learnt about corporate banking environment/culture. Prepared spread sheets and correspondence as assigned, prepared and maintained credit files according to credit policy.