ATIF MAJEED

HOUSE # ***, STREET # **, AIRPORT EMPLOYEES

CO-OPERATIVE HOUSING SOCIETY, SECTOR-III, RAWALPINDI

Date of Birth: 26th November, 1980, NIC # 61101-9295749-7

Ph No: 032*-*******, Email: adjx1b@r.postjobfree.com

PROFILE

Detail oriented Banking Relationship Manager experienced with routinely assessing and meeting the financial needs of various individual and business customers. Adept at handling various banking transactions. Focused on applying knowledge of financial products and investment packages to offer to existing and new customers.

It is hoped that with this position sought for, I will be able to further enhance and maximize my banking experience.

TEAM WORK

An ability to get on with people at all levels and from different backgrounds.

Heading and implementing efficient portfolio monitoring techniques to proactively retain clients and identify early problems.

Formulating business plans/strategies for maximizing profitability and revenue generation and realise organizational goals.

Consultative and approachable with an ability to develop positive working relationships.

Ability to demonstrate leadership skills, inspire and motivate team members.

EXPERIENCE

A. ASKARI BANK LTD (BLUE AREA BRANCH, ISLAMABAD)

1. Account Opening Officer February 03, 2007 till August 31, 2008

2. Relationship Manager SME & Commercial September 01, 2008 to May 31, 2019

3. Relationship Manager SME June 01, 2019 to till date

Currently Posted at I-9 Industrial Area Branch Islamabad as Relationship Manager for Handling

of SME Portfolio of 5 Branches I-9, I-10, Nescom, G-11 & G-8, Islamabad along with credit operation

of Corporate Accounts of branch.

SUPERVISED THE PORTFOLIO OF FOLLOWING SECTORS

SME & Commercial Finance

Corporate Accounts for Credit Operations (Funded & Non Funded)

Credit Administration

Bank Guarantees

Credit Vouchering

Lease Finance

Staff Loans

The above portfolio is pertaining to different sectors such as;

a) Construction

b)Poultry Farm

c)Flour Mill

d)Information Technology

e)Manufacturing

f)Transporter

g)Travel Agencies

h)Pharmaceuticals

i)Services etc.

RESPONSIBILITIES AND EXPERIENCE

Managing clients credit portfolio of 5 Branches (I-9, I-10, G-11, Nescom & G-8 Branch) of Islamabad Area. Responsible for handling existing portfolio of Rs.1.3Billion along with generating fresh asset base for the branches.

Preparation of credit line proposals, conducting industry analysis, financial analysis, risk analysis, ratios analyses etc for senior management review in order to take appropriate decisions.

To facilitate SME & Commercial Business entities and grow substantial assets business, to be structured as per their requirements and generate healthy profits for the organization through allied business as well.

Retain clientele while giving solution to their banking problems and handling theirs queries time to time.

Make credit line proposal for assigning the short term/long term credit facility to the customers and negotiate with HO according to customer requirements.

Initiation of Renewals, Extensions & Earmarking Proposals

Negotiating and structuring credit facilities as per the customer requirement and need

Completion of Pre/Post Approval Formalities/DAC Issuance from RCAD

All types of Staff Finances (House Building, Transport, Personal)

Monthly Markup /Principal Recoveries from client

Supervise the departmental staff for effective implementation of bank’s policies and managing credit portfolio.

To maintain close liaison/coordination with customers, Head Office, State Bank of Pakistan, SECP, legal counsels, valuation companies, insurance companies, business consultants, Chartered Accountants etc for effective implementation of bank’s policies/lending programs and perfection of securities/formalities for smooth running of accounts operations.

Visit of mortgage properties and Pledge Stock, Inspection of Project sites, Verification of Liquid security from the concerned bank/organization.

Liaison with concerned authorities for the completion of mortgage / lien marking/ issuance of NOC / NEC.

Facilitating audit of designated accounts.

Supervising of all Credit Statements

Correspondence and maintenance of record of designated accounts.

Daily, Weekly, Monthly, Quarterly, Half Yearly, Annual Statements

Handle day-to-day operations, maintenance of files/relevant records

Relationship Management (SME, Commercial & Corporate account of branch)

Credit/Loan Structuring

ACHIEVEMENTS

Academic excellence for being a consistent honor student

Commended for providing superb customer/client satisfaction and retention

Leasing portfolio (SME & Commercial) of Amounting Rs250 M.

LG Business of amounting more than Rs1 Bln

Issuance of Back to Back Guarantee on behalf of Bank of China

Fresh Lease Business of M/s TPL of amounting Rs25M

Currently booked SBP Refinance Scheme for Payment of Salaries & Wages portfolio of Rs.50M during last quarter.

B. BANK ALFALAH LTD. RAWALPINDI May 2006-January 2007

Operation Officer The Mall Branch Saddar Rawalpindi job description includes

1Account Opening

2Cheque Book Issuance

3Customer’s Balance Queries

4ATM Issuance

5Bank Statement Issuance

6Additional Charge of DHA Booth Islamabad for Relationship Management of DHA Officials for Offering Good Banking Services.

7Miscellaneous Reporting to Area/Regional/Head Office

C. TIANSHI INTERNATIONAL PVT. LTD. For One Year (2005 to 2006)

Assistant Accountant: Major Responsibilities

1.Maintaining monthly Sales of the company

2.Record Keeping

3.Salary Payments

4.Stock Keeping

5.Bank Reconciliation

D. THOUGHTS ADVERTISING AGENCY For Six Months (Jan 2004 to June 2004)

Assistant Accountant: Major Responsibilities

1.Maintain Account Receivables & Account Payables

2.Record Keeping

3.Salary Payments Record

4.Expenses Record

5.Bank Reconciliation

EDUCATIONAL QUALIFICATION

1. University of Arid Agriculture Rawalpindi 2001 to 2003 3.40/4.00 CGPA

MBA-Finance

The study mainly focused on banking and financial markets, different banking instruments, analysis of financial reports, competitive study of different organizations in terms of financial performance.

The course heavily advocated the theory and analysis of organisational restructure, managing the operations of the bank and the impact that innovative change has had on business theory, giving me an invaluable insight into the modern changing corporate environment which banks have to endure in order to stay competitive and successful.

Core Subjects Included: Financial Accounting, Banking and Finance, Global Marketing, Marketing, Human Resource Management, Economics and Organizational Behaviour.

Internship Report: National Bank of Pakistan

2. University of the Punjab Year 2005 to 2008

Bachelor in Commerce (B.COM)

Core Subjects Included: Advance Accounting, Cost Accounting, Business Taxation, Business Law, Auditing, Business Communication and Economics of Pakistan

Internship Report: Allied Bank Ltd.

REFERENCES:

Can be furnished upon request

Contact this candidate