RecruiterPK

Description

Zain Mohammad Khan. Father’s Name : Hafeez Ur Rehman Date of Birth : 1st March 1988 Marital Status : Married Email : zainpisces@gmail.com, Religion : Islam CNIC# : 42000-8818602-3 Cell # : 0346-3876610 Passport : PC0156021 Address. : Flat# 606 6th floor Shaikh Heights North Nazimabad Block-H,Karachi,Pakistan

OBJECTIVE:

Seeking a position that will offer the opportunity to apply problem solving and leadership skills. Able to work well as an individual and as part of a team. Is capable of handling pressure and seeks to work in an environment with the right kind of pressure to allow the full development of already learned skills.

SUMMARY OF EDUCATION:

• MS from KASBIT (in Progress) • M.COM from university of Sind. Jamshoro. Pakistan (Year 2010-12) • MBA in Human Resource Management from University of Sind. Jamshoro. Pakistan (Year 2009-10) with 3.13 CGPA • Bachelors in commerce from, University of Sind. Jamshoro.Pakistan (YEAR 2007) • Higher secondary certificate Examination (COMMERCE) Govt: Ghazali College Latifabad Hyderabad Pakistan. (YEAR 2005)

WORK EXPERIENCE

House Building Finance Company. Assistant Manager. Credit Management Department Mar2022-Present

• Assessed credit worthiness of applicants based on investigative findings. • Complete scrutiny of Credit files and ensures compliance Credit policy. • Ensure accuracy of documentation provided by customers. • Provide recommendations tied to analysis and assessment of credit risk. • Ensure completion of all transactional documents according to policy and procedures. • Review legal and appraisal reports. • Maintain record of deferrals and exemptions taken by business departments. • Follow ups for completion of deferrals. • Interdepartmental coordination for resolution of credit related queries. • Analyze the proposal of businessman’s and individual salaried client to ensure their credit worthiness. • Thoroughly analyzed the financial statement and bank statement of clients to analyze their refund capability. • To mitigation of credit risk through different financial models. • Preparation of Credit proposals for approval from competent authorities.

Zain Mohammad Khan. Father’s Name : Hafeez Ur Rehman Date of Birth : 1st March 1988 Marital Status : Married Email : zainpisces@gmail.com, Religion : Islam CNIC# : 42000-8818602-3 Cell # : 0346-3876610 Passport : PC0156021 Address. : Flat# 606 6th floor Shaikh Heights North Nazimabad Block-H,Karachi,Pakistan
AL-Mustafa Enterprises. HR Executive. Jan 2021- Present

• Adjust employee benefits and incentive programs. • Develop the company payroll • Boost employee morale by celebrating their birthdays. • Overseeing the employee’s termination process. • Ensuring all the employees comply with the HR policies. • Maintaining and recording employee attendance.

BANK AL-HABIB LIMITED. Credit Anaylst. (Officer Grade-01) Auto finance Credit Initiation Unit.(CIU) Feb2021-Feb2022

• Analyze the auto loan application of businessman’s and individual salaried client to ensure their Credit worthiness. • Coordinate with Zonal Coordinators for Approvals. • Preparation of Credit proposals for approval from competent authorities. • To maintain all over MISs from case login to disbursement segment wise.Handling of miscellaneous assignments pertaining to credit department.

SILK BANK LIMITED. Credit Anaylst.(Grade-03) Personal Loan and Ready line Credit Initiation Unit.(CIU) Mar2017 – Feb2021

• To review and monitor of daily login cases regarding Personal Loan , and Running Finance before and after boarding and suspected cases refer them to Fraud Risk Management Unit (FRMU) • Take necessary decisions (Approve / Reject) on applications as per guidelines specified by credit policy Coordinate with Internal /external verification for physical addresses and income related documents verification. • Analyzing applications for their eligibility, credit worthiness and completeness through different system and manual checks worked as an effective team member in the department and effectively manage all the internal processes related to loan Products. • Analyze credit proposals to evaluate risks.

MCB BANK LIMITED. Officer Credit Risk Control Consumer-Collateral Management. Risk Management Group. Car4u- Auto Finance May 2016 – Feb 2017

• Responsible for Auto Disbursement (Car4u) , • To Review/Scrutinize documents of stage-I & Stage-II upon login and marked the discrepancies in system then issuing of Disbursement Authorization Certificate. • Before issuance of DAC, upon obtaining approved deferrals for updating/marking of discrepancies in DAC. • Submission of Complete documents to custodial unit with MIS. Preparing daily MIS like DAC MIS, deferral MIS and Collateral sending MIS. • Responsible for vendor Management.
TAMEER MICROFINANCE BANK. Associate Manager. Credit Risk Department. JUN 2011 – May 2016 • Ensure compliance through a sound knowledge of Credit Union policies, procedures, products, Services and systems. • Review Lon applications prior to approval. Analyze credit proposals to evaluate risks. • Credit analysis of Individual borrower by checking debit burden & verification Cross checking of Information provided by branch on sample basis & Sometimes field visit of customer. • Preparing MIS for approved, discrepant and declined case of all branches on weekly & monthly bases.

Computer Skills:

• MSOFFICE/Photoshop • Professional Accountancy Computerized With Peach Tree. • CBS(Core Banking Software) • CIA(Customers Account Information) • CAMS

Training Certificates:

MCB Bank ltd. • Compliance Knowledge Assessment (CKAS)Test. Secured 80% Marks (02-Aug-2016)

Silk Bank ltd. • Credit Initiation Training Conduct by Green Peak Int; Under Supervision of Sr. Banker Mr. Asif Nazir.
Bank Al-Habib. • Fair Treatment of Customer (2021).
Bank Al-Habib. • Ethical Conduct Orientation Program (2021)

Reference,

• Reference will be furnish upon request