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Syed Najam Us Saqib Imam

Res. Address : L-447 Sector 5-A-2, North Karachi,

Karachi, Pakistan.

Cell No. : 009***********

Email : addyem@r.postjobfree.com

Objective:

Aspiring for a career, which should be highly professional, & highly rewarding from where I could get a chance to learn and show the best proven skills. I wish to prove my professional approach with your esteem organization. I would like to assure you that if I am selected and given a chance to serve under your guidance, I will prove myself worth of your choice and trust in my ability.

Profile / Career Summary:

Presently I am working in MCB Bank Ltd as CRC (Credit Risk Control) Officer for products Auto loan and Personal loan. I have Three years’ experience in HBL (Habib Bank Ltd) as a credit Processor for product of auto loans.

Experienced professional with a successful career in banking industry as a consumer credit and risk control officer in Pakistan’s largest commercial banks.

To analyze customer eligibility, financial information, to valuate degree of risk of consumer loan and to prepare recommendation for the bank’s lending committee regarding credit limits of loan.

Manage multiple assignments, set priorities effectively & delegate when necessary.

Take initiative, to plan, organize evaluate follow-up & resolve problems in a timely manners.

Academic Qualification:

Sr.

No.

Certification /

Degree

Institution / University

Specialization /

Major

Passing

Year

1. MA (Economics and

Finance) University of Karachi

Economics and

Finance 2014

2. PGD (Economics

and Finance) University of Karachi

Economics and

Finance 2013

3. Bachelor of

Commerce University of Karachi Commerce 2011

4. Higher Secondary

Certificate

Board of Intermediate

Education Karachi Pre Engineering 2008

5. Secondary School

Certificate

Secondary Education

Board

Computer

Science 2006

Present Working:

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Present Employer : MCB Bank Ltd

Designation : CRC ( Credit Risk Control ) Officer

Date of Joining : June 1st,2018

Department : Credit Risk Control (Consumer)

Place of Posting : Karachi, South Region

Job Responsibilities / Assignments

Responsible for receiving of stage I documents as per standard check list from Assets Ops.

Responsible for receiving of stage II from RBG Auto Sales Team.

Thoroughly review of Stage II documents.

Updating discrepancies in Auto Loan CAMS (Consumer Assets Management System).

Thoroughly Review of stage II after resolution of discrepancies

Obtaining approval of deferral if applicable.

Defining limits, collateral capturing and Loan creation in CBS 8.5

Issuance of disbursement authorization certificate

Deferral monitoring.

Archival of original documents.

Perform all routine activities relevant to the unit are according to the daily work plan.

Work Experience:

Previous Employer : Credit And Commerce Consultants Assigned To : HBL Pvt Ltd

Designation : Credit Processor

Date of Joining & Departure : 2nd September 2015 To 31st May 2018 Department : Credit Initiation Unit ( CIU Autos Secured) Place of Posting : Karachi

Job Responsibilities / Assignment:

Responsible for processing auto loan application as per approved policy and product program and prudential regulations.

Determine customer eligibility for auto loan as per policy.

Thoroughly review of customer application.

Process the documents received for each file, verifying the accuracy and completeness of each document.

Review customer credit bureau and income documents. Page3 of 3

Review customer and income documents to calculate DBR.

Assure that all customer files are complete and in compliance with regulatory authority and internal policies.

Perform all routine activities relevant to the unit are according to the daily work-plan

Manage daily routing of fresh login to fellow processors Trainings:

Sr.

No. Certification / Course Institution

Specialization /

Major Year Status

1 Credit Policy HBL L&D Consumer

Credit 2017 Complete

2 AML HBL L&D FATF Guidelines 2017 Complete

Social Membership & Co-Curricular / Leisure Activities:

Reading.

Playing Cricket.

Computer games.

Language:

English & Urdu frequently talk.

Personal Information:

Father Name : Syed Muzaffar Imam

Marital Status : Married

Religion : Islam

Date of Birth : July 22nd,1989

C.N.I.C. No. : 42101-1859027-9

Reference:

References will be provided on request.

Contact this candidate