Qualifications Profile

Highly analytical, results-driven, and performance-focused professional with progressive experience in financial and administrative support, budget analysis, and portfolio management.

Well-versed in developing strategies and audit planning techniques to improve operational efficiency and productivity. Adept at evaluating and monitoring market trend, high-volume of financial data, and completing multiple tasks, while ensuring adherence to organizational standards and guidelines to achieve company goals and objectives. Equipped with strong leadership, interpersonal, and communication aptitudes in building positive relationships with all levels of professionals.

Areas of Expertise

Financial and Credit Analysis ~ Strategic Planning and Implementation ~ Credit Risk Management

Data Gathering and Reporting ~ Business Process Improvement ~ Cross-functional Collaboration

International Trade ~ Product Lending and Deposit Management

Relevant Experience

KAS Ventures, LLC San Antonio, TX, USA

Financial Manager Feb 2017–Present

Strategically develop and implement daily accounting and auditing process through common standards of practice, company policies, business goals, and industry regulations

Apply keen attention to detail in tracking areas at risk to create more efficient financial responsibility

Review compliance with set budgetary standards and guidelines by utilizing financial data and balance sheets

Maintain internal organization’s team members updated with periodic status reports, meetings, and other important development, which entails publishing the complete inquiry report

Display expertise in establishing new standards of practice across the company to streamline accounting accuracy and integrity

Coordinate closely with the outside firm’s auditing of the organization

Analyze identified historical and current budgetary trends identified in the data

Handle the preparation of management information reports, financial analysis, business activity reports, and forecasts

Ensure legal requirement attainment through close monitoring of financial details

Provide keen oversight to all stakeholders for financial reporting and budgeting

Conduct in-depth analysis of all company financial reports and determine appropriate strategies to reduce costs

Evaluate current market trends to improve profits and define expansion opportunities, as well as support sponsors in financial decisions making

United Bank Limited Karachi, Pakistan

Vice President, Commercial Banking Jun 2014–Nov 2014

Drove effort in directing commercial unit with the objective to create a well-developed commercial center and business focused on assets, trade, and deposits supporting commercial especially small and medium-sized enterprises (SME)-based businesses as part of Corporate Banking Group

Fulfilled a wide range of financial aspects, including budgets preparation, financial analysis, and financial appraisals, as well as daily administrative tasks, recruitment of human resources, and support of relationship managers and team leaders to formulate and present credit and financial proposals

Actively collaborated with delegated authority to approve credit limits of up to $500K funded to $1M non-funded through Customer Relationship Management (CRM) with clients’ relationships having annual revenue between $500K to $500M

Assessed all financial transactions and credit history case by case, including applications, financial statements, balance sheets, and legal documents

Ensured the completion of ratio, trend, and cash flows analyses, while creating detailed projections

Albaraka Bank Pak Ltd. Karachi, Pakistan

Regional Head, Commercial and Business Banking Dec 2011–Jun 2014

Oversaw all aspects of assets and trade business of the segment throughout the region and led a team of relationship managers and team leaders at various branches and business locations

Held responsibility in handling total deposits size of the area of $140M and $100M asset size with ancillary trade business of approximately $200M annually and handled relationship having annual revenue between $300K to $500M

Partnered with heads and seniors of Financial, Risk, Trade, Compliance, and Audit departments to preform financial budget preparation, general administration, review processes, and procedural or policy documents

Served as credit authority responsible for the approval of both funded and non-funded exposure through CRM

Preformed in-depth credit data and financial statements analysis to identify the degree of risk required in extending credit or lending money

Thoroughly examine customer records and provided appropriate recommendation for payment plans, according to earnings, savings data, payment history, and purchase activity

Faysal Bank Ltd. Karachi, Pakistan

Vice President, Commercial Banking Feb 2009–Dec 2011

Took change of improving the quality of credit portfolio of the bank, in alignment with growth targets and risk appetite, while contributing in the implementation of strategic plans, budgets, and portfolio management

Kept track of market trends, researched new business opportunities, determined and distributed relevant information, and guaranteed high quality of credit presentation and financial analysis

Created comprehensive department budget, while monitoring actual against budget and provide status updates to senior management

Applied sound judgment in handling and resolving continuously grown customer service issues at area level

Actively communicated with credit association and other business representatives to exchange credit information

Accomplished all necessary loan applications, such as credit analyses and summaries of loan requests which submitted to loan committees for approval and handled relationship having annual revenue between $500K to $500M

Reviewed and distributed multiple monthly and quarterly loan portfolio reports and other related regulatory reporting

Employed keen attention in performing written analysis focused on key performance indicators and key risk indicators

Habib Bank Limited Karachi, Pakistan

Deputy General Manager, Commercial Banking Jul 2005–Feb 2009

Enhanced financing in accordance with segmented target market, target market revenue between $500K to $500M.

Routinely analyzed and monitored the center by coaching and developing skills of staff members, including the Marketing Team

Established leadership to a team of 28 operations staff and 5 relationship managers to plan, organize, and manage employees and daily activities of commercial banking team, which involved staff selection, salary review, and performance management

Closely observed the growth, profitability, status, and risk grading of the unit’s loan portfolio

Functioned as approval authority to underwrite exposure of approximately $500K with General Manager

Dealt with the comparison of liquidity, profitability, and credit histories of business being evaluated with the business in the same industries and geographic locations

Earned promotion as deputy general manager and area manager of commercial banking to market and source new advances and deposits clientele for exceeding business targets to maximize profitability of the centre and optimizing the yield

Earlier Positions Held:

PICIC Commercial Bank Ltd. Karachi, Pakistan

Senior Relationship Manager, Credit and Marking

SME Bank Ltd Karachi, Pakistan

Assistant Manager, Credit Administration

Platinum Commercial Bank/KASB Bank Karachi, Pakistan

Commercial Credit Analyst

Other Experience

ANA Mega Corporation San Antonio, TX, USA

Business Entrepreneur, Self- employed

Education

Master of Business Administration • Preston Institute of Management Sciences and Technology Karachi, Pakistan

Bachelor’s Degree in Commerce • University of Karachi Karachi, Pakistan

Diploma in Computer Science • Net Tech Institute of Information Technology Karachi, Pakistan

Professional Development

Certification

RMA – Credit Risk Certification – United States, In Progress

Training

Credits

Program Lending

Financial Analysis

Credit Risk Management

Financial Managements

Banking and Financial Software

Technical Acumen

Tableau 10 SAP Crystal Reporting 2016 SQL Visual Basic MS Office

Advanced Microsoft Excel (Pivot Table, Power Pivot, Interactives Graphs, and Power Queries)

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