Relationship Manager M A
Resume:
C O NTA CT
*****************@*****.***
House no R-17, Block 16, Gulistan-E-Jauhar, Karachi, Pakistan
** – 01 - 1977
SK I LLS
Time Management
Leadership
Communication
Problem Solving
Written Communication
Team Work
S Y E D K H U R R A M A L I
C H I E F M A N A G E R
Banking specialist having more than 22 years of experience in managing and leading teams in Bank AL Habib Ltd. Currently, I am a Chief Manager by grade and Operation Manager by designation of my branch. I am hoping to obtain a banking position at iconic bank to apply my vast experience by working in various departments of banks for the benefit of the company.
Education
2001 - Master of Commerce (M. Com in Accounts)
University of Karachi
1998 - Bachelors in Commerce
Premier College, Karachi, Pakistan
1996 - Intermediate in Commerce
Premier College, Karachi, Pakistan
1994 - Matriculation in Science
St. George High School, Karachi, Pakistan
Experience
Branch Operation Manager (Currently)
Bank AL HABIB LTD, Karachi.
(From 2019 to date)
-Ensure all processes are followed as per Branch Operations, Foreign exchange manuals & KYC/AML policy; while ensuring Compliance and TATs are met as per Service Level Agreement between departments.
-Ensure, manage and supervise over the counter services in the branch to achieve timely and accurate processing of customer requested transactions and customer complaints, while ensuring service delivery is as per the prescribed standards and SLAs between the functions of the bank.
-Ensure all trade business are managed and supervised by following procedures to ensure adherence to the bank’s risk and compliance policies. (Wherever applicable).
-Ensure that all regulatory reporting is submitted on timely basis to avoid non- compliance at all levels.
-Ensure all processes are performed as per bank policies to achieve best satisfactory audit ratings in internal, external and SBP audits.
-Lead the branch Operations team to set individual objectives, review performance appraisals and provide on-going feedback on a formal and informal basis so that all staff are aware of what they are required to achieve and how they are performing against their objectives.
-Monthly perform State Bank of Pakistan (SBP) reporting.
-Performs compliance of all transactions and departments.
-Performs authorization of cheques and do monitoring of every transaction.
-Responsible for reconciliation of Inter Branch Transaction Supervision /Cross Branch Transactions, Internal Control and branch outlook and ambience by properly maintaining branch furniture’s/ fixtures/ IT equipment to effectively support the front-line of the branch.
SO F T WA RE
MS OFFICE
BANKING SOFTWARE
H O BBI E S
Movies
Reading
Interacting with people
L A N G UA G E S
URDU
ENGLISH
I NSP I R AT I O N
The only way to do great work is to love what you do.
STEVE JOBS
Experience
Credit Officer
Bank AL HABIB LTD, Karachi.
(From 2013 to 2018)
-Review Loan Requests from customers.
-Assess Clients’ Financial Status.
-Evaluate Creditworthiness and risks.
-Contact clients to gather financial data and documentation.
-Analyze risks and approve or reject loan requests.
-Calculate Financial Ratios (E.g., Credit Scores and Interest Rates)
-Setup Payment Plans
-Follow Up with Clients about loan renewals.
-Make AF1, AF2 and AF3
-Make approval form for Running finance for the Client.
-Monitor progress of existing loans.
Experience
Clearing Officer
Bank AL HABIB LTD, Karachi.
(From 2010 to 2012)
-Checked whether on the outward cheque crossing seal has been given clearing seal and with proper endorsement seal.
-Computer posting of the cheque.
-Examine with the computer’s posting that the total number and total amount of outward cheque matches with the registry book.
-Separation of cheque for the deposit slip.
-Posted cheque’s print out.
-Match the banks customer signature with the inward cheque signature.
-Check that customer are having sufficient fund for their cheque payment.
-Check that Amount in figure & inward need to be same.
-Examine with the computers posting that the total number and total amount inward cheque match with the register book.
Experience
Remittance Officer
Bank AL HABIB LTD, Karachi.
(From 2006 to 2009)
-Update all incoming inputs received via SWIFT.
-Collaborate with branches to pay internal payments.
-Message compliance / MT 103 Investigation and Instant Tracking by phone and email.
-Daily reconciliation on all internal / external payments at the end of the day.
-Release of PRCs.
-Internal ITRS reporting.
-Performs Online Transfer of cheques.
Experience
Account Opening Officer
Bank AL HABIB LTD, Karachi. (From 2003 to 2005)
-Keep up-to-date on Savings Bank product knowledge and be able to explain in detail all Bank products and services to customers.
-Open all types of new accounts offered by Bank.
-Provide deposit interest rate information in-person and over the telephone.
-Provide information regarding different account ownership types.
-Update and process all documents pertaining to new and existing accounts.
-Answer telephones and transfer calls to the appropriate person following Customer Service Standards.
-Initiate orders for ATM/Classic debit cards and perform data entry for card maintenance.
-Process documentation and perform data entry for closed, lost, stolen or destroyed ATM/Classic cards.
-Accept and process address changes.
-Provide an explanation of Online Banking to customers.
-Track signature cards sent to Central Services.
-Escort and/or refer customers to other departments, as necessary, following Customer Service Standards.
-Keep the lobby interest rate board current and up-to-date.
-Other duties as assigned.
Certificates and Achievements
-Done Branch Manager course of 6 weeks at Bank Al Habib Ltd.
-Completed computer-based test of credit, account opening, remittance and clearing department.
Contact this candidate