I M R A N Z A H I D A L I

**** ********* **, ****# ***, Sacramento, California 95835

Cell Phone : +1-279-***-****, Email : adm8kj@r.postjobfree.com PROFESSIONAL EXPERIENCE

Organization Designation Period served

Rentokil North America, Target Specialty

Product, Sacramento, CA.

Customer Service Representative Apr. 2021 - Present Prime Auto Repair, Citrus Height, CA. Workshop Manager Aug. 2020 – Mar. 2021 Habib Metropolitan Bank, Karachi, Pakistan

Product & MIS Manager Jan. 2016 – Dec. 2019

Unit Head, Consumer Banking Jan. 2008 – Dec. 2015

Senior Credit Analyst Apr. 2005 – Dec. 2007

ABN AMRO, Karachi, Pakistan Credit Analyst Dec. 2004 – Mar. 2005 Citibank N.A. Karachi, Pakistan Assistant Credit Analyst Nov. 2003 – Nov. 2004

(Duties & Responsibilities)

Mr. Ali, a dynamic leader with strong technical background, rose through organizational ranks starting from a loan credit analyst to a senior manager position through sheer hard work, dedication and unwavering commitment towards delivering the assigned tasks. Most importantly, Mr. Ali is a leader who won the appreciation of every team member that he worked with. With strong soft skills and, in depth technical knowledge Mr. Ali will assist in team building and growing the business for the company that he would work with. Below is a summary of his profile: Rentokil North America, Target Specialty Product, Sacramento CA. April 2021 – Present Customer Service Representative:

Major Responsibilities:

Handling new and existing individual and corporate client’s on daily basis.

Initiate and update customers order in system and follow up with the vendor for deliveries.

Coordinating with different branches for inventory update and placing the client’s orders.

Coordinating with Regulatory and Accounts departments for updating client’s licenses and information on regular basis.

Coordinating with Warehouse for inventory update and controls.

Receive different products from vendors and update the inventory.

Review warehouse inventory and placing orders for managing quantity in the warehouse. Prime Auto Repair (family owned business), Citrus Height CA. August 2020 – March 2021 Service Manager:

Major Responsibilities:

Managed auto repair workshop on daily basis.

Handled new and existing individual and corporate client’s for their vehicle repair works.

Closely monitored the repair work of client’s vehicles with technician.

Timely update the client’s regarding repair work and TAT (turnaround time) for completion.

Update the inventory of store different products on daily basis.

Coordinating with different vendors (Rebies, OReilly, Factory Motor Part, and Major Car Dealers etc) for placing orders for parts required for maintenance of repair work.

Managed Payroll for employees of workshop.

Managed book keeping as well as records for audit purposes.

Maintained P&L of the workshop.

Habib Metropolitan Bank Ltd, Karachi, Pakistan April 2005 – December 2019 Product and MIS Manager Jan 2016 – Dec. 2019

Major Responsibilities:

Led and managed bank wide asset and liability products as it passes through the product life cycle.

Management of Liabilities Product & design campaign’s for deposit mobilization.

Added new services and benefits for the customers in existing product menu, in line with business objectives of broadening the revenue stream.

Conducting market analysis with comprehensive competitive scans to identify potential business opportunities.

Close coordination with Marketing / Finance / IT and other relevant cross functional businesses for overall product development and development of enhanced products and services.

To review the behavior of the different segments of customers and coordinate with Policy Department for amendments / changes in the Policy.

Conducted trainings for Branch / Area / Zone for Customer Service Initiative Unit Head, Consumer Banking Division Jan. 2008 – Dec. 2015 Major Responsibilities:

Responsible for the management of Centralized Secured & Unsecured Unit, based in Karachi.

To implement effective controls in loan origination process.

To ensure precision in credit evaluation process, with respective turnaround time on Secured & Unsecured loan applications.

Evaluation of risks and furnish continuous feedback on key characteristics to Credit Policy.

Analysis of different reports to ensure that the policy guidelines are being adhered.

To supervise smooth processing and approvals of credit decisions.

Coordinate with Sales and Operations to minimize turnaround time and get the approval done as soon as possible.

To review the behavior of the different segments of customers and coordinate with Policy Department for amendments / changes in the Policy.

To ensure risk at minimal level. To coordinate with Internal, External and Central Bank auditors.

Preparing the daily countrywide Business Performance Report Analyzing and evaluation credit worthiness of potential Secured & Unsecured customers. Senior Credit Analyst Apr. 2005 – Dec. 2007

Major Responsibilities:

Made final decisions on Secured (Auto Finance & Leasing, Education Loan) & Unsecured

(Personal Loan) applications & In-depth analysis of applicant’s profile (loan authority up to PKR. 5 Million).

Preparation of MIS cap-monitoring.

Self-testing and updating policy files, Manuals, Code Book and Country Credit Management List.

Analyzed and evaluated credit worthiness of potential auto loan, auto finance and personal loan customers using various financial calculations to establish spending limits.

Cross verifying the fresh loan applications against other bank’s database via data check to proactively manage credit exposure.

PROFESSIONAL EDUCATION

Qualification Institute Status

MBA (Banking & Finance) Preston Institute of Management Science & Technology Completed BBA (Finance & Marketing) Preston Institute of Management Science & Technology Completed MS(Information Technology) Preston Institute of Management Science & Technology Completed BCS (Computer Science) The International University, Pakistan Completed TECHNICAL EDUCATION

Qualification Status

Microsoft Certified System Engineer (MCSE) Completed Microsoft Certified Professional + Internet (MCP+I) Completed Cisco Certified Network Associate (CCNA) Completed Computer Hardware Certification Completed

PROFESSIONAL TRAININGS

Attended workshop on Housing Finance, organized by Central Bank of Pakistan in collaboration with IFC (International Finance Cooperation).

Attended workshop on CONSUMER OPERATIONS & TECHNOLOGY organized by Pakistan Banker’s Association.

Attended course on CONSUMER INSIGHT organized by Management Association of Pakistan

(MAP).

Attended course of PRUDENTIAL REGULATIONS, Central Bank of Pakistan organized by Habib Metropolitan Bank Ltd.

Attended course of ANTI - MONEY LAUNDERING organized by Habib Metropolitan Bank Ltd.

Completed a 60 hrs. Course of Teacher Trainer program under “INTEL TEACH TO THE FUTURE with support from Microsoft” organized by INTEL Corporation USA and Government of Pakistan. PROFESSIONAL SKILLS & EXPERTISE

System Analysis.

Business Analysis.

Business Development Techniques.

Business Communication.

Business and Product Presentations.

Manage multiple assignments and priorities efficiently.

Interact independently and as a team member.

Take initiative to plan, evaluate, follow-up and resolve problems in a timely manner.

Keep a positive, flexible attitude and readily adapt to change. ACCOMPLISHMENTS

Underwrote credit requests for a loan group which generated 155 Million of new money in 2014 and exceeding goal with 160% in loan production for the year

Became a leader in underwriting production for the SME group

Handled difficult and complex credit situations, rush timelines and heavy production.

Pioneer to setup Loan Origination system and was renowned as expert to handle complex Q&A regarding this system.

Achieved outstanding results for the “Pipeline to Zero” project

Participated voluntary works to help students build a financial foundation upon which they can make financial decisions related to income, expenses, saving and credits (i.e., Habib University – Financial lesson to freshmen).

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