Add: Khuda Bukhsh & Sons House Circular road Samundri Dist. Faisalabad.
A challenging and career oriented job in an esteemed & dynamic organization with tremendous growth prospects in a global environment where I can improve my capabilities and contribute towards its performance and can give my full potential to such organization while using my latent abilities.
Current Working Experience 07/12/2017 _ Continue
Working as Agriculture Credit Officer at The Bank Of Khyber at High Street Sahiwal Branch.
Acquire business for the bank as the front line contact with farmers for sale of Retail Agri financial products and also have five years experience in value chain finance to agriculture farmers with collaboration of Processing Firms.
Asset & Crop Insurance of Agri borrowers, maintain MIS record and lodgment of insurance claims of borrowers to respective insurance companies.
Follow up with Customers for collections and keep the NPLs to minimum / acceptable level.
Have a thorough understanding of the Agri Product Programs and explore new business opportunities.
Helping farmers in filling the loan applications and guiding them for the necessary documents required for the loan application to be sanctioned.
Maintain up to date list of current & overdue relationships, along with contact numbers, nearest relatives, addresses of home/office/allied business, best time to visit etc.
Maintain relationship with the farmer and use the approach relevant to the stage of collections as per Agri legal & recovery Manual.
Recommend transfer of account / legal action, to the legal council, when farmer behavior is incompatible and negative and all attempts to recover the payments by negotiation have failed.
Also have nine years branch banking experience and have good knowledge of day to day branch operations payments, receipts, foreign remittances, DDR, CDR, Cheque book issuance, account opening etc. etc.
Previous Working Experience
Worked as Project Incharge with Apna Micro Finance Bank Ltd. from 05/04/ 2016 to 07/12/ 2017.
Worked as Agri Credit Officer / OG-II with Allied Bank Ltd. from 28 /09/2015 to 04/04/2016.
Worked as Agri Finance Officer / AM-I with Habib Bank Ltd from 02/05/2014 to 22/09/2015.
Worked as Agri Credit Officer / OG-III with THE BANK OF PUNJAB from 17/10/2008 to 30/04/2014.
Date of Birth
University of Agriculture, Faisalabad. Pakistan 2006 - 2008 CGPA/Marks
M.Sc. (Hons) Agriculture 3.39/4.00
University of Agriculture, Faisalabad. Pakistan 2002 - 2006
B.Sc. (Hons) Agriculture 3.85/4.00
Faran Model College Jhang 2000 - 2002
F.Sc. Pre. Med. 739/1100
Govt. High School # 2 Samundri 1999- 2000
Matric: Science 639/850
Technical Skills & Trainings
Computer Proficiency (MS Word, Excel, PowerPoint, Email, Internet etc).
Attended a two weeks training program regarding Agriculture financing at Officers Training Institute The Bank of Punjab Lahore.
Active participation in two days training program at State Bank of Pakistan regarding Agriculture Financing.
Active participation in two days training program at Officers Training Institute The Bank Of Punjab regarding Agri. Financing.
Active participation in training workshop at State Bank of Pakistan on Capacity Building of Agri Credit Officers .
Two day training for up lifting service quality at HOTEL ONE FAISALABAD by RHQ HBL Faisalabad.
One day training on Anti Money Laundering at RHQ HBL Faisalabad.
One day training on Agri. Finance at RHQ ABL Faisalabad.
Active participation in one week training program on tunnel farming at University of Agriculture Faisalabad.
Activities and Hobbies
Entertaining with my friends in my spare time, watching movies and net surfing are my favorites. Visiting natural areas such as national parks, forests, rivers and lush green agricultural fields are always remaining my favorites.
References can be provided on demand