OBJECTIVE:

To fixed a formidable post in an environment that provides opportunities to adequately bestow my current skills and education and refine my knowledge in a congenial aerospace. ACADEMIC QUALIFICATION:

M.B.A in Banking and Finance from Muhammad Ali Jinnah University (MAJU)

Bachelors In Computer Science (Petromen)Shah Abdul Latif University

H.S.C. From Sindh Muslim Government Science College in Pre-Medical in the Year 1999.

S.S.C. From Charter House Public School in Science in the Year 1997. PROFESSIONAL QUALIFICATION:

Passed all requisite subjects of Stage- I, II & III of Junior Associateship of IBP (JAIBP)

Diploma In Computer Graphics(Corel Draw, Free Hand, Photoshop)

CNAP (Cisco Networking Academic Program)

PROFESSIONAL EXPERIENCE:

Habib Metropolitan Bank Limited (From April 16th 2004 to Till Date)

(Subsidiary of Habib Bank AG Zurich, Zurich)

1. Current Position: Branch Manager

Designation: Vice President

Period : 08th June 2020 to till date

Responsibilities:

To implement the annual and interim business plans / budgets finalized by the Area Manager and identify existing & prospective clients to increase market share/quality customer base.

To make all efforts to attain the planned deposit mix to a level taking into account the profitability as well as pricing level of all liability products/ and other costs. Also to ensure that the ratio of asset to liability portfolio (wherever applicable) is maintained as per plan, no leakage/overstating of Income is caused or penalties are imposed in his/her branch.

To ensure all branch functions (including Sales, Operations & Reporting, and Customer Services,) are managed as per business plan and in line with the Banks internal control policies, operational procedures, risk parameters, and regulatory guidelines set by internal and external regulators (KYC/AML/Compliance for strong controls to ensure improvement of Audit Rating.

To set goals for team associates, ensure the team understanding over the same and conduct fair mechanism for periodic feedback of performance evaluation and annual appraisals Misbah Ul Haq

C-100, Block-4, Gulshan-e-Iqbal, Karachi, Pakistan Email Address: adzl84@r.postjobfree.com

Mobile Number: +92-333-*******

2. Previous Position : Customer Service Manager

Designation: Assistant Vice President

Period: 28th June 2018 To 08th June 2020

Responsibilities:

To authorize all postings/entries/transactions/deals within his designated / assigned (financial /non financial) limits and ensure overall supervision, and monitoring of all daily general banking transactions are in conformity with the Banks Operational Manual, Instructions Circulars, Internal Control procedures as well as regulatory guidelines.

To conduct frequent periodic review of the GL Heads (sundry, income / expenses & assets, Other Bank

& SBP Accounts maintained on a/c of remote branches, security stationery / bill stamps etc.) for accurate posting, balancing, reconciliation to avoid any misreporting or penalties.

To act as custodian of Cash Vault Keys, ATM Keys (code combination etc.), Locker Master Key/Vacant Locker Keys, security stationery stock and relevant stamps to ensure proper control checks at all times, and also to ensure that under no circumstances do staff share passwords with any source whether internal or external.

3. Previous Position: In-Charge Credits / Advances Period: 01th March 2008 To 28th June 2018

Responsibilities:

Over 15 years of Banking experience including almost 10 years in Credit / Advances department. At present I am looking after Credit Portfolio both Funded and Non Funded of over Rs.1.800 (Bn) and Guarantees including Foreign Guarantees of Rs. 700.00 (Mn). My Current assignments / responsibilities are as under:

To market the bank’s products to increase the assets & liabilities of the bank and ensure that the portfolio so increased reflects healthy addition.

To process credit proposals and e-memos duly undertaking the financial analysis w.r.t their business turnover & profitability as well as in accordance with SBP’s Prudential Regulations and Bank’s Credit Policy.

To manage renewals of the existing portfolio including their routine financial transactions affairs with regard to funded & non funded credit facilities.

To ensure proper recovery of quarterly markup & maintaining client rating (Qualitative & Quantitative) in core banking system –hPLUS and monitor credit exposure and reporting thereon to ensure correct utilization of credit limits as per terms and conditions of approval.

Liaison with CAD/CRMG regarding different facilities, with SAM division regarding NPL accounts/filing of Suit, Monitoring of remedial portfolio and managing restructuring & rescheduling of accounts where necessary/ suitable.

To ensure compliance according to guidelines stipulated by internal and external regulatory authorities and liaise with Central Bank’s Auditors, External Auditors and Credit Review Department to provide all logistical support, documents and information as and when required as well as assist Br. Manager regarding matters related to FBR, FIA, SBP etc.

To process customer's request for the Issuance / Renewal / Cancellation of Bank Guarantees ( Both in Local and Foreign Currency) of various nature / types like Performance, Bid Bonds, Advance Payment Security Deposit etc.

4. Previous Position: Branch Compliance Co-Ordinator / Officer Period: March 2008 To November 2015

Responsibilities:

In addition to responsibilities of In-Charge Credits, I am also responsible to prepare File Notes of Transaction exceeding the define limits and report such transactions to Compliance Department at Head Office, the details of responsibilities are:

To prepare Files Notes of Transaction captured by Compliance Monitor for the review of Compliance Analyst at Head Office.

To review periodically High Risk accounts of individual and entities, like PEP accounts, accounts of Trust

& Association etc.

To Conduct Enhance Due Diligence of High Risk accounts.

To Report Suspicious Transaction to Compliance Division for their review. 5. Previous Position: In-Charge Foreign Remittance & Accounts Period: (From April-2004 To February-2008)

Responsibilities:

To prepares schedules for Collection of Cheques, Demand Drafts & Traveler Cheques etc.

To Process customer's request of Outward Foreign Remittance and prepare Swift Messages

To Process Inward Remittances and credit customer's account.

To ensure understanding of the ISMs (Internal Service measures) are adhered to and all transactions are processed within the assigned TATs(Turn Around Time) ACHIEVEMENTS

Promoted to Officer Grade – I in Year 2006.

Promoted to Deputy Manager in Year 2009.

Promoted to Manager in Year 2012.

Promoted to Chief Manager in Year 2014.

Promoted to Assistant Vice President in Year 2017.

Promoted to Vice President in Year 2021.

1st Position – Commercial Category Banca Assurance Premium Cup 2021.

Star Performer Branch Manager – Performance Recognition – 2021.

1st Position Total Deposit – Annual Manager Conference – 2022. PERSONAL INFORMATION:

Date of birth : 21st March 1981

Gender : Male

Marital status : Married

No. of Dependents : 04

Nationality : Pakistani

Religion : Islam

REFERENCES:

References, Documents & Certificates will be furnished upon request

Contact this candidate