Operations, SME Operations, Credit Administrations
Resume:
Abid Qureshi
acbcar@r.postjobfree.com
SYNOPSIS OF ACHIEVEMENTS AND SKILLS
Sixteen years of diversified banking experience in Head Office, Main branch and sub branches in the following
areas of activity;
o Branch Operations Management
o Credit Administration
o Loan / Legal Documentation (Mortgages Valuation, registration & stamping of Securities)
o Periodic reporting to Head office
o Customer service quality assurance
o Business development and Deposits Mobilization.
As an Operations Manager setup a new Bank’s Branch and streamlined all the departments thereof.
Leading SME Credit Department, Main Branch
Profound knowledge of SME & Consumer Financing
In-depth experience in General Banking and Branch Operations.
Successfully completed one year Banking Training program.
Strong analytical and organizational skills
Good command over MS office applications & W eb based Banking software
Upholding high level of integrity and commitment towards work / business ethics.
PROFESSIONAL AND ACADEMIC QUALIFICATIONS
Banking Diploma Part-I from The Institute of Bankers, Pakistan, www.ibp.org.pk
Certificate of Banking Training Program : Completed one-year theory and on the job training from the Academy of
Soneri Bank Limited. www.soneribank.com
Bachelor of Commerce: Graduated from University of Karachi, www.uok.edu.pk
CAREER SUMMARY
Feb 2012 - Present Branch Manager, Sajwani Exchange, Dubai, UAE
www.sajwaniexchange.ae
May 2006 – Nov 2011 Manager Operations, Branch, Soneri Bank Limited, Karachi, Pakistan, one of
the fastest growing banks in Pakistan with a network of over 225 branches.
www.soneribank.com
Aug 2003 – Apr 2006: Officer Incharge, SME Credit, Main Branch, Karachi,
Soneri Bank Limited.
Sep 1996 – Aug 2003: Officer, Retail Banking & Accounts, Main Branch, Karachi
Soneri Bank Limited.
Sep 1995 – Aug 1996 Trainee Officer, Head Office/Main Branch, Karachi Soneri Bank Limited.
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WORK EXPERIENCE
BRANCH MANAGER, SAJWANI EXCHANGE – DUBAI, UAE – from Feb 2012 to Present
Key responsibilities
Monitoring and checking foreign currencies prices on major financial exchanges. Negotiating deals with FX
Dealers and clients for optimal rates.
Supervising Inward/Outward Remittances, Express Transfers & WPS.
Ensuring continued compliance with all regulatory requirem ents.
SONERI BANK LIMITED – KARACHI, PAKISTAN – from August 1995 to Nov 2011
M ANAGER OPERATIONS, BRANCH - from May 2006 to November 2011
Key responsibilities
Planning, organizing, controlling and evaluating Banking Operations within branch. Having full responsibility of
Branch operations.
Ensuring Bank’s policies and procedures are being followed according to the established guidelines and making
recommendations for improvement.
Checking for complete compliance of loan documentation before processing of loans.
Custodianship of the branch - responsible for the vault & combination of strong room and ATMs, security items of
the branch, and security stationary.
Ensuring preparation and timely submission of periodical reports and statements to the management.
Ensuring periodical balancing of General Ledger heads including physical balancing of security stationery.
Facilitating internal and external Auditors to conduct branch audit and always achieved very minimal or no
occurrence of audit discrepancies.
OFFICER INCHARGE, SME CREDIT – Main Branch - from Aug 2003 to April 2006
Key responsibilities
Ensuring credit policies and procedures are being followed according to the established guidelines and applicable
legislation.
Preparing Credit proposals with due focus on risk analysis and in-depth meaningful analysis of financial
statements, bank statements and other relevant documents / information.
Checking for complete compliance of loan documentation before processing of loans.
Monitoring the use of facilities granted to customers in order to find out utilization and delinquency trends .
Issuing Bid bonds / Guarantees on behalf of customers.
OFFICER, RETAIL / GENERAL BANKING DIVISION - from Jan 1996 to Aug 2003
Key responsibilities
Authorizing and approving daily transactions for deposits and withdrawals, and other services within the
delegated authority.
Providing a range of general banking services to existing and potential customers.
Establishing and building relationships with customers, ensuring custom er service quality at all times.
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CONTINUING PROFESSIONAL DEVELOPMENT
Participated in the following courses and trainings which have been quite relevant to my area of work:
Consumer Financing - Attended at the Institute of Bankers, Pakistan (IBP)
Prudential Regulations by Central Bank - IBP.
Charge / Legal Documentation - IBP
Dynamics of Commercial Banking – IBP
KYC & Anti Money Laundering - IBP
Basel Capital Accord II (“Basel II”) - conducted by KMPG
Anti-Money Laundering – conducted by FERG, Dubai.
INFORMATION TECHNOLOGY
W ell acquainted with the Core Banking Systems
Good knowledge of MS Office applications: Excel, Word, Power Point
SAS – Business analytics Software for Banking services
PERSONAL INFORMATION
Date of Birth : September 06, 1973
Nationality : Pakistani
Religion : Islam
Marital Status : Married
Visa Status : Residence
LANGUAGE SKILL
Fluent in English, Urdu and Gujrati languages with some exposure to Arabic language, specially reading and
writing.
REFERENCES
Amin Qureshi, CMA, CFA Cell: 971-**-*******
Chief Financial Officer Off: 971-*-***-****
Reem Finance (Royal Group), Abu Dhabi acbcar@r.postjobfree.com
Akbar Amirali Qureshi, ACA, ACCA Cell: 971-**-***-****
Senior Auditor Off: 971-*-***-****
Government of Dubai acbcar@r.postjobfree.com
Financial Audit Department
References from professional supervisors/colleagues can be furnished whenever required.
Page 3 of 3 Abid Qureshi - Resume
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