Career Objective
Seeking a mid-level position in a reputed organization where I can utilize my past experience and knowledge
of Financing, Supply Chain and SME management in banking industry at its best and contribute to the
improvement as well as progress of the organization.
Professional Experience
Ø Habib Bank Limited
April 2013 to August 2014
As Assistant Manager – Credit & Marketing (OG - II)
Study, prepare, analyze and recommend credit proposals in line with prudent business practices and
bank’s CPM (Credit Policy Manual).
Evaluation of financial statements & generation of cash flows so that repayment capabilities could be
determined.
Ensuring all collaterals/securities are obtained before any processing.
Efficiently and effectively managing credit risks.
Obtaining complete set of security and collateral documents from the borrower and forwarding the same
to (CAD) Credit Administration Department.
Monitoring of limits and recovery of markup.
Accurately identifying & assessing all risk inherent in credit exposures & ensuring quality judgments
are made.
Ongoing vigilance for early warning signs of credit quality deterioration and taking appropriate action
early.
Ensuring compliance with regulatory requirements (including credit policy & approval conditions)
Ø Allied Bank Limited
May 2011 to March 2013
As Team Leader – Commercial Assets
Management and review of allocated portfolio.
Recommend appropriate credit facilities in line with the relationship strategy taking into account
potential earnings maximization and risk appetite.
Identify new prospects within the target market to pursue growth opportunities.
Explore vertical & horizontal relationships with existing clients across their group/owner affiliations.
Cross selling of products and services from other business divisions.
External control follow-ups include periodic client calls with call reports, documentations, operational
issues, account/facility utilization, payment regularizations, field visits and gather latest market
feedback.
Internal control includes following up on credit reviews with credit product group.
Prepare and structure term sheets, pre-screen memos, financial models etc.
Other Professional Experience
Ø Different Schools & Educational Training Centers
March 2015 to PRESENT
As an English Teacher
Teaching Business English, spoken English, IELTS and CET to Chinese adults.
Teaching English to middle & high school students
Marketing and assisting Chinese students to get admissions in overseas universities’.
Internships & Projects
3 Months Internship at Allied Bank Ltd. (Feb 2011-April 2011)
1 year Internship at Law Department (Govt. of Sindh) (Feb 2010-Jan 2011)
3 Months worked as a Project Coordinator for BTL activities at BBCL (Jun 2009- Aug 2009)
6 weeks Internship at Fluid International Technology (Jul 2008-Aug 2008)