Credit Analyst Branch Manager

Muhammad Hasnain

***************@*****.***

Mobile: +254-***-***-***

Nairobi, Kenya.

Objective:

Results driven personal banking professional with extensive positively impacting organization performance. Top producer with expertise cultivating high profile relationships, executing powerful marketing strategies and exceeding corporate objectives. Reputation for advancing effective business development and maintaining client alongwith banking relationships. Academic and Professional Education:

Qualification Majors Year Institution CGPA/Grade

ACCA Finance In progress ACCA, UK N/A

MBA Finance 2012 PAF- KIET, Karachi 2.79 CGPA

B.COMM Commerce 2007 D.A. Degree College, Karachi 2 nd

Division

Intermediate Commerce 2005 D.A. Degree College, Karachi B Grade Matriculation Science 2003 Al- Murtaza School, Karachi A Grade Professional Experience:

Bank Al Habib Limited:

Location : Representative Office, Nairobi, Kenya

Job Title : Chief Representative

Duration : September 08, 2018 till date (Approval from Central Bank of Kenya received in April’19)

Job Responsibilities:

• To promote the Bank's products and services to local parties, and coordinate between the Bank's overseas offices and interested local parties for any business agreements/contracts, as permissible by local regulations.

• To promote the Bank's relationships with local banks/ financial institutions, particularly for trade finance and guarantee business, and coordinate between the Bank's overseas offices and interested local banks/financial institutions for any business agreements/contracts.

• To provide information to Principal Office and overseas branches about local parties, banks, financial institutions, and potential business opportunities.

• To remain aware of local economic and business developments and keep the Principal Office and relevant overseas branches advised of the same.

• To provide information to local parties, banks, financial institutions, and regulatory authorities about Pakistani market.

• To provide advice, guidance, and appropriate referrals to local parties who may be interested in doing business in Pakistan.

• To participate in seminars, conferences, and trade shows for the growth of exports from and investment in Pakistan.

• To submit periodical reports to local regulatory authorities, where so required.

• To comply with all applicable laws and regulations, particularly those relating to activities prohibited to Representative Offices (e.g., accepting deposits, opening accounts, issuing financial commitments).

• To carry out any other function permissible or required in terms of local laws and regulations.

• To refer trade business to the parent Bank and/or its overseas branches with primary focus on Un-funded transactions.

• To refer funded transactions to the parent Bank and/or its overseas branches, having attractive pricing/returns.

Bank Al Habib Limited:

Location : Credit Hub Defence Region – I, Karachi, Pakistan Job Title : Manager (SME & Corporate Accounts)

Duration : May 15, 2017 till September 07, 2018

Job Responsibilities:

• In collaboration with branch officer, interaction with customers related to advances and to give technical support to branch office.

• Preparing of AF’s (credit proposals) for corporate clients and valued SME clients of designated branches in region, and submitting them for approval towards our bank’s competent authority.

• After obtaining approval from our bank’s competent authority, forward the case Credit Admin. Dep’t. for preparation of charge/ transaction documents.

• To give intimations for renewal of credit facilities to existing customers.

• Completion and execution of charge registration at SECP and other outdoor task pertaining to lien/mortgage etc.

• Monitoring expiring or expired limit report.

• To ensure the presence of latest, updated and valid stock reports, stock inspection reports and insurance policies for related customers.

• To monitor post disbursement functions.

• To properly maintain regular credit files as per instruction received from Head office or SBP.

• To ensure proper limit feeding in Bank’s system at the time of fresh disbursement / renewal of facility or enhancement.

• Timely follow-up for the case forwarded to our banks competent authority.

• Timely customer visit and inspection of securities at designated premises of the borrower.

• To identify the potential credit customers and marketing to prospect customer.

• Any matter related to Credit Admin. Dept., Zonal Office for credit purposes is responsibility of Credit Hub.

• Making financial analysis and analyzing their yearly/ interim financials.

• Keeping an eagle eye that the funds are being properly utilized. Habib African Bank Limited:

Location : Dar es Salaam, Tanzania

Job Title : Branch Manager

Duration : August 19, 2013 till March 27, 2017

Job Responsibilities:

• Daily checking of cash on hand before it is closed for the day.

• Surprise checking of cash on counter during working hours to ensure that it is within the insured limit.

• To ensure that daily outward clearing is sent to DECH well in time as per prescribed rules.

• To ensure that Cash in Safe is within the Cash – in – Safe Insured limit.

• To ensure that cash is deposited in our account with BOT, which is over and above our daily minimum requirement.

• To review Daily Statutory Minimum Reserve Position (SMR) and ensure that the Bank maintains the required SMR as prescribed by the Bank of Tanzania.

• To ensure that daily Forex position is within the prescribed limits.

• To review daily liquidity position of the Bank and ensure that the Bank maintains liquid Assets as prescribed by the Bank of Tanzania.

• To ensure submission of weekly, fortnightly and monthly returns to Bank of Tanzania well within the time limit.

• To ensure submission of monthly returns to group office in U.K.

• To be fully conversant with the Bank of Tanzania Regulations and Circulars issued from time to time.

• To provide efficient and courteous services to the customers of the Bank.

• To actively engage in marketing and introduce new customers to the Bank.

• To ensure that end of the day operations of the Branch are performed smoothly.

• To ensure that daily vouchers are arrange and stitched properly.

• To sign and supervise all signature scanned.

• All Foreign Drafts to be signed by you jointly with the Chief Manager.

• Scrutiny and approval of all Account opening forms and preparation of file notes.

• Checking & authorization of all outward T.Ts.

• Approve all the accounts to be opened that have complied with the rules and regulations.

• Any other assignment given by the management from time to time. Bank Al Habib Limited:

Location : Korangi Industrial Area Branch, Karachi, Pakistan Job Title : OG-I / Credit n Trade In-Charge, (Consumer secured Loans, SME & Corporate Accounts)

Duration : June 15, 2012 to February 24, 2013 & June 15, 2013 till August 18, 2013 Job Responsibilities:

• Preparing of AF’s (proposals) for corporate clients and valued SME clients of branch.

• Monitoring and proof reading of proposals.

• Preparing spreadsheets and analyzing their yearly/ interim financials.

• Monthly, quarterly, half-yearly, yearly and ad-hoc reporting to SBP & banks Head office.

• Correspondence with head office and customers.

• Monitoring expiring or expired limits (if any), documents and renewals of AF’s.

• Maintenance of Safe in Safe out register for securities kept in vault.

• LG issuance, monitoring, redemption and correspondence for cancellation if expired.

• Correspondence with our CAD and CCAD for preparation of charge documents and renewal limits.

• Keeping an eagle eye that the funds are being properly utilized.

• Monthly and quarterly review of loans and recovery of mark-up.

• Conducting stock inspection as per the SBP requirements.

• Reporting the classified loan accounts and attempting to recover the bad debts.

• Opening of Letter of Credit

• Payments against documents under LCs as per UCP

• Issuance of Shipping Guarantees and their Redemption

• Checking of Export Documents

• Realization of Export Proceeds against FDBCs

• Reimbursements against Export documents as per LC

• Disbursement of Export Refinance Loans

• Discounting of Bills against FDBCs

• Handling of partial Inward & Outward Remittances

• Handling of all sort of correspondence with Local & Foreign Banks

• Disbursing of Import FCIF Loans (FE25)

Bank Al Habib Limited:

Location : Credit Hub Defence Region – I & II, Karachi, Pakistan Job Title : OG I - (SME & Corporate Accounts)

Duration : February 25, 2013 till June 14, 2013

Job Responsibilities:

• In collaboration with branch officer, interaction with customers related to advances and to give technical support to branch office.

• Assessment of application for loan

• Preparing of AF’s (credit proposals) for corporate clients and valued SME clients of designated branches in region, and submitting them for approval towards our bank’s competent authority.

• After obtaining approval from our bank’s competent authority, forward the case Credit Admin. Dep’t. for preparation of charge/ transaction documents.

• To give intimations for renewal of credit facilities to existing customers.

• Completion and execution of charge registration at SECP and other outdoor task pertaining to lien/mortgage etc.

• Monitoring expiring or expired limit report.

• To ensure the presence of latest, updated and valid stock reports, stock inspection reports and insurance policies for related customers.

• To monitor post disbursement functions.

• To properly maintain regular credit files as per instruction received from Head office or SBP.

• To ensure proper limit feeding in Bank’s system at the time of fresh disbursement / renewal of facility or enhancement.

• Timely follow-up for the case forwarded to our banks competent authority.

• Timely customer visit and inspection of securities at designated premises of the borrower.

• To identify the potential credit customers and marketing to prospect customer.

• Any matter related to Credit Admin. Dept., Zonal Office for credit purposes is responsibility of Credit Hub.

• Making financial analysis and analyzing their yearly/ interim financials.

• Keeping an eagle eye that the funds are being properly utilized. Bank Al Habib Limited:

Location : Clifton Branch, Karachi, Pakistan

Job Title : OG-II Credit Officer, (Consumer secured Loans, SME & Corporate Accounts)

Duration : March 31, 2008 till April 17, 2011 and February 01, 2012 till June 14, 2012 Job Responsibilities:

• Making of AF’s (proposals) for corporate and SME clients.

• Issuance of LG and maintaining LG register.

• Monthly and quarterly reporting.

• Following up with customer and reminder letters.

• Weekly reporting of shares position.

• Maintenance of Stock reports.

• Monthly and quarterly recovery of TF installments.

• Maintaining customers credit file from initial stage till the disbursement of loan.

• Reporting of BASEL, MIS, PSE, and other interim reports as and when required by our Head office/SBP.

• Monitoring the Syndication loan disbursed and payment of mark-up in assistance with our syndication dep’t.

Bank Al Habib Limited

Location : Credit Division, PO, Karachi, Pakistan

Job Title : OG-II (Credit Analyst)

Duration : October 20

th

, 2011 till January 31

st

, 2012

Job Responsibilities:

• Scrutiny of Internal Risk Rating keeping the banks parameters in view.

• Analyze the credit proposal in accordance with guidelines and bank policy.

• Getting proposal approved by competent authorities of bank.

• Correspondence with Off Shore Banking Unit and getting their AF’s (Credit Proposal) approved.

Key Proficiencies:

• International Finance, Corporate Finance, Portfolio Management

• Strategic Management, Business Law, Economics

• Business Ethics, Business Analysis, Accounting for Decision Making

• Relationship Management

• Efficient in analyzing credit proposals and ensure the implementation of regulations

• Good verbal and written communication Skills

• Proficiency in operating MS Office suite.

Achievements:

• Declared Successful in MTO Batch XXII; secured 3 rd

position in Karachi & 8

th

all over Pakistan

• JAIBP – Declared successful in 10 papers out of 12 papers

• Opened New branch of Habib African Bank Limited in Dares Salam, Tanzania in 2013

• Progression made in Representative Office, Kenya and Establishing Bank to Bank relationship with top tier banks in Kenya.

Personal Details:

Fathers Name: Ali Akber Panna

Marital Status: Married

Date of Birth: December 28, 1987

CNIC Number: 42201-4777703-9

References:

Mr. Sajjad H. Baloch

Branch Manager

UBL Bank (T) Limited

Dares Salaam, Tanzania

Tel: +255-***-***-***

Mr. Faizan Raza

Associate - FCC

Standard Chartered Bank

PO Box No. 999 DIFC, UAE

Tel: +971********* / +971********

Contact this candidate