Experience

The Bank of Khyber

• Pakistan
• Banking
• 700 & Above Employee

• • Jan 2020 - Present

  Looking after the Credit Administration functions of Islamabad & Haraza Region with Asset Portfolio of over 35.000 Billion with over 700 customers in Consumer, SME & Corporate Segment; with 28 Branches spread across the Region.

• • May 2018 - Dec 2019

  Looking after the Credit Administration functions of Islamabad & Haraza Region with Asset Portfolio of over 35.000 Billion with over 700 customers in Consumer, SME & Corporate Segment; with 28 Branches spread across the Region.

• • Nov 2015 - Apr 2018

• • Dec 2014 - Oct 2015

• • Jul 2011 - Dec 2014

  • Involved in Dealing with all types of Loans. These loans are ranging from Consumer Loans, Running Finance Loans and Corporate Loans. • Credit marketing for Corporate and Commercial clients.• Customer Relationship Management. • Leading the Credit Relationship and ensure the timely response to customers and achievement of internal goals/ targets.• Preparation of Proposals and credit appraisals for granting financial facilities and ensure that those would be according to the risk acceptance criteria of the Bank, prudential regulations and other regulatory requirements• Assessment of Borrower’s entitlement for financial facility by visiting the business place and meeting the management of the organization. • Assessing business, financial risks relative to each customer/proposal and accordingly award risk rating to each proposal. • Verify the documents submitted by the customer to authenticate their validity for safeguarding Bank’s interests. • Completion of all the formalities required for disbursement of the facility.• Ensuring clients’ satisfaction and keeping an eye on rising demand for financial facilities of existing potential customers and arrangement of timely approvals of the same in minimum turnaround time.• Monitoring of Credit Monitoring System.• Follow-up with the borrowers for timely repayment of the loans, classify the overdue cases as per the laid down policies of the Bank and report default cases to the Head Office for provisioning and initiation of legal action against the defaulters. • Monitoring of the credit portfolio of Islamabad Branch.• Preparation of weekly, fortnightly, monthly, quarterly statements as required by the Head Office.• In addition to that I am also a backup of FOREX Incharge, supervising his Department in his absence. Show less



NIB Bank Ltd.

• Credit Manager North Region

  • Jan 2008 - Jun 2011

  • Dual responsibility of managing Nine (09) professional members of credit team along with the Credit Administration functions. Managed Asset Portfolio of over 1.500 Billion with around 3000 customers in Consumer and SME segment, with 39 Branches spread across North Region. Responsibilities and Accomplishments: • Fresh financing, restructuring and debt swapping. • Revolving credit limits, term finance, import and export finance limits and against pledge stocks. • Developed checklist for pre-sanction review of the credit proposal in compliance with internal credit and risk policies, the State Bank’s prudential regulations and penalty list. • Compliance of the credit and risk policies. • Creation of charge on collateral security. • Preparation of credit documents. • Inspection of mortgage properties, pledged stocks, leased assets and collateral securities. • Repricing of the finance facilities. • Credit Administration, Monitoring and Follow ups to ensure timely recoveries. • Final settlements/waivers/discounts and issuance of NOCs. • Periodic reporting on; Credit Investigation Bureau, nonperforming loans, markup recovery and collateral details. • Provisioning for non performing loans and adjustment for forced sale value benefit on collateral. • Coordinated data migration activity for implementation of T24 system. • Ensuring compliance of State Bank regulations, credit policies and risk policy. Show less



PAKISTAN INDUSTRIAL CREDIT & INVESTMENT CORPORATION, ISLAMABAD

• • Jan 2006 - Dec 2007

  • Since May 2003 involved in Dealing with all types of Loans ranging from personal Loans, Loans for construction of Houses, Loans for construction of Plazas, Mortgage Loans, SME Finance Loans and Lease Finance Proposals ranging from Personal Motor Leases, Commercial Vehicles Leases, Industrial Equipment Lease, Leases for establishment of CNG Stations and SME Leases. • Credit marketing for Corporate and Commercial clients.• Leading the team of Credit Relationship and ensure the timely response to customers and achievement of internal goals/ targets.• Preparation of Proposals and credit appraisals for granting financial facilities and ensure that those would be according to the risk acceptance criteria of the Bank, prudential regulations and other regulatory requirements• Assessing business, financial risks relative to each customer/proposal and accordingly award risk rating to each proposal. • Completion of all the formalities required for disbursement of the facility.• Ensuring clients’ satisfaction and keeping an eye on rising demand for financial facilities of existing potential customers and arrangement of timely approvals of the same in minimum turn around time.• Follow-up with the borrowers for timely repayment of the loans, classify the overdue cases as per the laid down policies of the Bank and report default cases to the Head Office for provisioning and initiation of legal action against the defaulters. • Overall supervision of Credit Administration in the branch in order to have smooth running portfolio without any loss. • Monitoring all the credit portfolio of Islamabad Branch.• With team work the branch stood the largest one in terms of Advances and Deposits in the entire Islamabad Zone.Being Credit Manager in China Chowk, Blue Area Branch I am managing a portfolio of more than 750 Million which includes diversified products. In addition to the core responsibilities I also act as officiating Branch Manager for several times. Show less

• • May 2003 - Dec 2005

  Join the prestigious Organization as “Management Trainee”.• Since May 2003 involved in Dealing with all types of Loans ranging from personal Loans, Loans for construction of Houses, Loans for construction of Plazas, Mortgage Loans, SME Finance Loans and Lease Finance Proposals ranging from Personal Motor Leases, Commercial Vehicles Leases, Industrial Equipment Lease, Leases for establishment of CNG Stations and SME Leases. • Credit marketing for Corporate and Commercial clients.• Making the Credit Relationship and ensure the timely response to customers and achievement of internal goals/ targets.• Preparation of Proposals and credit appraisals for granting financial facilities and ensure that those would be according to the risk acceptance criteria of the Bank, prudential regulations and other regulatory requirements• Assessing business, financial risks relative to each customer/proposal and accordingly award risk rating to each proposal. • Completion of all the formalities required for disbursement of the facility.• Ensuring clients’ satisfaction and keeping an eye on rising demand for financial facilities of existing potential customers and arrangement of timely approvals of the same in minimum turn around time.• Follow-up with the borrowers for timely repayment of the loans, classify the overdue cases as per the laid down policies of the Bank and report default cases to the Head Office for provisioning and initiation of legal action against the defaulters. • Looking after the Credit Administration in the branch in order to have smooth running portfolio without any loss. • Monitoring all the credit portfolio of Islamabad Branch.• With team work the branch stood the largest one in terms of Advances and Deposits in the entire Islamabad Zone. Show less



SONERI BANK LTD, BLUE AREA BRANCH, ISLAMABAD

• Officer

  • Nov 2001 - May 2003

  Completed One Year training in General Banking. During this period gained orientation of all the departments which includes, Remittances, Clearing, Cash, IBC/OBC & Credits. • Started consumer financing in June 2002 which includes Car Financing, Personal Loans & House Financing. • Credit marketing for consumer financing. • Customer Relationship Management. • Preparation of Proposals and credit appraisals for granting financial facilities. • Assessment of Borrower’s entitlement for financial facility by visiting the business place and meeting the management of the organization. • Completion of all formalities required for disbursement of the facility. • Ensuring clients’ satisfaction and keeping an eye on rising demand for financial facilities of existing potential customers and arrangement of timely approvals of the same in minimum turn around time. • Monitoring/ Supervision of Credit Monitoring System. Monitoring all the Consumer portfolio of the Islamabad Branch. • Preparation of weekly, fortnightly, monthly, quarterly statements of Consumer Clients as required by the Head Office. Show less



Muslim Commercial Bank Ltd.

• Banking Intern

  • Jun 2000 - Nov 2000

  • Worked for the Internal Audit, Customer Services and Management Information System’s Department. • Prepared Management Information System’s reports. • Worked for the customers’ account opening department where by promoting the bank. • Assisting the customers in completing their transactions including transfer of funds, accounts opening, clearing and collection. • Presentation of banks services and negotiations with potential customers. • Dispensing billing information and updating customer records. • Worked in Credits Department and prepared weekly reports pertaining to credits portfolio. • Worked in Accounts Department and involved in preparation of weekly and fortnightly reports of the Department. • Worked in Foreign Exchange Department and involved in preparation of weekly, fortnightly and monthly statements of the Department. • Worked in Clearing Department and involved in daily operations of the Department. • Worked in OBC Department and involved in daily operations of the Department along with Weekly, Fortnightly & Monthly Reporting of the Department. • Worked in Clearing Department and involved in daily operations of the Department. • Worked in Deposits Department and involved in Business Development of the Branch. • Worked in Lockers’ Department. In this capacity working as liaison with customers; also involved in daily operations. Show less