Credit Hub Officer

SOHAIL SHAIKH

Credit Hub Officer – CRBG Group

Soneri Bank Limited – Credit Hub Hyderabad

Cell # 0092-333-***-****

Email: ac8xpf@r.postjobfree.com

CAREER OBJECTIVE

To acquire a managerial level position where I can utilize my intellectual abilities and analytical, knowledge, leadership, communication & interpersonal skills in maintaining an entire region for a prestigious company. ACADEMIC QUALIFICATION

Completed 18 Years of education with Masters of Business Administration in Finance and done Research work on Impact of Macroeconomic Variables on Stock Exchange Movement (Case study of KSE-100 Index) with CGPA 3.08 from Isra University Hyderabad (I.U.H).

EDUCATION

1- Isra University Hyderabad

Masters Of Business Administration (Finance)

CGPA 3.08 (84.73%) I.U.H 2009-2012

2- Isra University Hyderabad

Bachelors Of Business Administration (Hons)

CGPA 3.00 (84.00%) I.U.H 2005-2009

3- Public School, Hyderabad

HSC (Pre-Medical) - II

“B” Grade (65.45%) Sindh Board 2004-2005

4- H.R.H The Prince Aga Khan Higher Secondary School

SSC (Science) - II

“A” Grade (74.00%) Sindh Board 2001-2002

OTHER COURSES

Certificate of Professional Accountant Development Programme(4 Weeks)

2009 From: The Educators in Commerce

Certification in Information Technology (6 Months):

2002 From: New Trends Institute (S.B.T.E Karachi Registered) EXPERIENCE

1. Designation : Credit Hub Officer –

Commercial & Retail Banking Group

Grade : Officer Grade - I

Organization : Soneri Bank Limited

From – To : January 2019 – Present

Place of Posting : Hyderabad

Job Description : 1. Analyzing financial statements and assets in the preparation of Credit Packages and prepare Credit Proposal. 2. Utilizing the available information in

processing comprehensive credit proposals for consideration & approval by the concerned authorities.

3. Developing existing portfolio by enhance

earnings / improve Return On Assets.

4. Promote cross-selling of products.

5. Gathering & analyzing credit information of

current and potential borrowers for advisability of granting credit for diversified loans. 6. Ensuring for CAD Clearance and

Disbursements.

7. Ensuring recovery of mark-ups and penal

markups within given time frame along with necessary help in recovery of NPL cases. 2. Designation : Relationship Manager –

SME & Retail Lending

Grade : A.M-II (Senior Assistant Manager)

Organization : Habib Bank Limited

From – To : December 2015 – January 2019

Particular Assignment : Credit Analyst

HBL Regional Head Quarter (Hyderabad)

From 16-May-2016 to 03-June-2016

Place of Posting : Hyderabad

Reason for Leaving : For Much Better Opportunity

Professional Training : Gender Diversity Program (January-2016) Anti-Money Laundering / KYC (March-2016)

Small Business Lending (March-2016)

Security & Loan Documentation (March-2016)

Credit Overview & Presentation (May-2016)

Job Description : 1. The primary responsibility is to solicit new business i.e. addition of quality names to build up sound asset base with focus on segments as identified/defined from time to time.

2. Analyzing financial statements and assets

in the preparation of credit packages and prepare credit proposal (fresh booking, yearly renewals, and enhancements) of credit facilities in a timely manner. 3. Utilizing the available information in

processing comprehensive credit proposals for consideration & approval by the concerned authorities.

4. Developing existing portfolio with a view to

enhance earnings / improve Return On Assets and promote cross-selling of products and services.

5. Gathering & analyzing credit information of

current and potential borrowers and determine the advisability of granting credit for diversified types of loans.

6. Ensuring that there are no discrepancies in

documentation of various customer accounts as pointed out by CAD and that credit files are properly kept and are updated with latest record regularly. 7. Ensuring recovery of mark-ups and penal

markups within given time frame along with necessary help in recovery of NPL cases. 3. Designation : Account Manager

Grade : Officer

Organization : ORIX Leasing Pakistan Limited

From – To : December 2012 – December 2015

Place of Posting : Hyderabad

Reason for Leaving : For Much Better Opportunity

Professional Training : Credit & Financial Analysis (January-2016) Job Description : 1. The prime responsibility was to generate a quality leads for Consumer, Corporate and Commercial division and meeting assigned target each month.

2. Keeping in close connection with main

prospects and focal points for leasing of vehicles i.e. show rooms, manufacturing firms and trading agents.

3. Preparing detailed credit reports on each

case while making sure other credit requirements are met by client with proper documentation.

4. Ensuring legal formalities are adequately

met with no any discrepancy in order to secure the interest of the company and can later cause problem in Court of Law

5. Along with generation of new leads; using

existing portfolio to retain the customers and generating good prospects from worthy references.

6. Responsible for recovery of late collection of

installments, markup and penalties for first 60 days of over dues and later helping Recovery Department for collections of over dues and regularizing it. 4. Designation : Lecturer

Organization : Govt. Sind College of Commerce Hyderabad From – To : February 2010 – February 2011

Reason for Leaving : End of Government Contract

Place of Posting : Hyderabad

INTERNSHIPS

Certificate of Internship (6 Weeks Internship at State Bank of Pakistan)

2010 From: State Bank of Pakistan – Banking Services Corporation (SBP-BSC) Hyderabad

Certificate of Internship (6 Weeks Internship at MCB Branch)

2009 From: MCB Bank Limited Hala Road Branch Hyd Certificate of Internship (6 Weeks Internship at MCB Corporate Branch)

2008 From: MCB Bank Limited Corporate Br: Risala Road Hyd PARTICIPATION CERTIFICATES

Certificate of Participation in Credit & Financial Analysis Training

2015 From: ORIX Learning Center, ORIX Head Office, Karachi Certificate of Participation in Foreign Exchange Trading Workshop

2010 From: ISMAR and FX Solutions (USA)

Certificate of Participation in Youth Entrepreneurship Programme

2010 From: SMEDA and Shell Tameer Live Trust

Certificate of Presentation on Hypothetical Business Plan

2007 From: Isra University Hyderabad

COMPUTER SKILLS

Operating Systems

MS Windows 98/2000/XP/7

Software’s

MS Office, Adobe Photoshop, HTML, SPSS

PERSONAL INFORMATION

• Father’s Name Muhammad Inayatullah

• Surname: Shaikh

• Date Of Birth 17 June 1986

• Place of Birth Hyderabad

• Address: Block A-2, Flat no: 04, Al-Rehman Apartments, Hala Naka Road, Hyderabad (71000)

• Place of Domicile Hyderabad (Urban)

• Religion: Islam

• NIC # 41303-4814283-9

• Nationality Pakistani

• Marital Status Married

EXTRA CURRICULAR ACTIVITIES

Listening to music

Reading Internet Magazines

Reading Newspaper

SKILLS

Report Writing and Credit Analysis

Administration and Leadership

Analytical and Research

Communication and Motivation

Coordinative and Team Work

Learn Quickly and Continuously

Competitive and Proactive

Job Oriented and Motivated

LANGUAGES SPOKEN

English

Sindhi

Urdu

REFERENCE

• Name: Moeed Shaikh

Address: Al-Habib Bank Limited, Hala Naka Br. - Hyderabad Position: IT Engineer

Contact: 033*-*******

• Name: Farman Ali Panhwar

Address: Habib Bank Limited, City Credit Hub Hyderabad - Hyderabad Position: Senior Assistant Manager

Contact: 033*-*******

• Name: Waseem Ahmed Rajput

Address: ORIX Leasing Pakistan Limited – State Life Building, Hyderabad Position: Team Leader

Contact: 030*-*******

• Name: Ghulam Ali Shaikh

Address: Govt: Sindh College of Commerce Hyderabad Position: Assistant Professor

Contact: 030*-*******

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