Management Manager

BUSINESS ADDRESS

Loan Analyst

American Equity Mortgage Inc.

***** ******** ********** *****

St. Louis MO 63017

U.S.A.

Fax# (1-314-***-**** HOME ADDRESS

***** ******* *****, ***# *

Chesterfield MO 63017

14508 Tramore Drive, Apt# 6

Chesterfield MO 63017

***********@***.******** SALMAN

CAREER OBJECTIVE

To seek a suitable managerial position in a reputable

organisation

EXPERIENCE

October 29, 2001 - to-date American Equity Mortgage Inc. (St. Louis, Missouri, USA)

Loan Analyst

Submission Department, OperationsSubmitting loans to underwritersPre-closing loans before passing it to closing department

From August 29, 2001 to October 29, 2001 I was placed at

American Equity Mortgage Inc as a Set-up Analyst through Accountemps

May 8, 2001 - Aug 8, 2001 Pinnacle Consulting LLC (Denver, Colorado, USA)

Business ManagerResponsible for managing daily affairs of businessIdentifying potential markets and devising strategy to capture such marketsDaily dealings (including negotiating rates/volumes) with buyers and suppliersAssessing financial feasibility of taking on new projects

Dec 1, 1998 - Mar 30, 2001 Muslim Commercial Bank (Karachi, Pakistan)

Relationship Manager (Grade 1) from May 2000 to Mar 2001

Advances & Credits Department

Corporate Banking Group, Main BranchNegotiating credit limits & interest rates with prospective/existing customersProcessing credit proposals for disbursement of credit facilitiesSecurity documentation / completion of documentation shortfallsCustomer-call reports and factory visit reportsThorough evaluation and analysis of customer's financial statementsProject Finance - Repayment Schedules, Overdue Statements, Recoveries

Financial Analyst (Grade 1) from Mar 1999 to May 2000

Financial Control Division

Head OfficePreparing monthly budget statementsPreparing reports to various departmentsPeriodic position reports to State Bank of Pakistan

Management Trainee (Grade 1) from Dec 1998 to Feb 1999

Staff CollegeTraining in General Banking, Imports and Exports, and Advances and Credits

Jun 1997 - Aug 1997 American Express Bank Ltd (Karachi)

Internee, Operations Bills (Exports)Verified and completed E Forms for SBP reportingPrepared various export exhibits (UBP, BP and FBC)Assisted in L/C AdvisingAssisted in preparation of credit advises and other payment

realisation procedures

Jan 1996 - Apr 1996 Reckitt & Coleman of Pakistan Ltd (Karachi)

Internee, Finance DepartmentBudgeting and Standard Costing in my capacity as an ICMA

Part 3 qualified

Assisted the Planning Department in preparing

presentations for the Management

Identified Cost Departments and allocated costs to those centers

Feb 1995 - Apr 1995 CitiBank N.A., (Karachi)

Internee, Marketing, CitiCorp Investment BankPrepared a target market list for issue of Term Finance

Certificates, Certified Term Finance Certificates, and Demand

Promissory Notes

Calculated Financial ratios such as Interest Coverage, Cash

Coverage, ROE, Current Ratio, Pre-tax and Post-tax margins,

Leverage and Cash Cycles of target companies using Annual

Reports and related information

Prepared a list of all Financial Institutions, Corporations,

Charitable Institutions, Insurance Companies, Government

Organisations, and other potential customers

Updated clientele records by keeping in touch with client

companies

Jun 1993 - Jul 1993 American Express - TRS (Karachi)

Internee, Finance Department Monitored the effect on purchases of Traveler Cheques and US

Dollars in comparison to the black market, after imposition of a

5% tax on the purchases of Foreign Currency

Calculated American Express Contribution in Total Sales for

certain destinations via PIA Flights

Formed an in-department resume sheet

EDUCATION

June 1998 Lahore University of Management Sciences

Candidate for Master of Business Administration (MBA)

1996 Institute of Cost and Management Accountants of Pakistan

Cleared Part 1, 2 and 3

1994 University of Karachi

Bachellor of Comerce (BCom)

1991 The City School Karachi

Advanced Levels through Oxford University Board, England

1989 The City School Karachi

Ordinary Levels through Cambridge University Board, England

MBA PROJECTS

Second Year Project A feasability study of setting up a four star hotel in Lahore

The Cement Industry of Pakistan An Economics Project in MBA first year

The Cereal Industry of Pakistan A Business Analysis Project in MBA first year

SPECIAL SKILLS Microsoft Words, Lotus for Windows, Excel, Microsoft Word,

Freelance Graphics, PowerPoint,

Harvard Graphics, SPSS and Others

EXTRA CURRICULAR Cricket, Table Tennis, Squash, Swimming and Volleyball

DATE OF BIRTH November 24, 1972

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