Muhammad Basharat Bashir
S/o Muhammad Bashir Chaudhary
CNIC #: 36502-7779174-1
Cell # +92-300-*******, +92-333-*******
Email ID: ********.******@***.***.**, ***************@*****.***
Address: House No.90 Al-Razzaq Villas Madhali Road Sahiwal.
Objective
To work with dedication & devotion in the organization concerned at challenging position. To get a
challenging job in a professional team-oriented environment that will help me utilize my skills with
career growth opportunities.
Experience
MCB Bank Limited:
Currently working as an Agriculture Marketing Manager; AVP and managing portfolio 16
Branches of Sahiwal & Okara region, from Feb.2017 to till date, where assignments are:
Managing team for addition of fresh quality customers in Agric. portfolio in 16
branches of Sahiwal & Okara regions.
Responsible for the Agriculture financing in assigned branches including processing
of proposal approvals till disbursement. Agriculture marketing of handsome parties of
related areas compliance to Bank policy and SBP PR’s.
Preparation of Loan Applications and Proposals for Fresh and renewal cases
according to SOP’s, Annexure and Manuals.
Responsible for related documentation for pre and post approval up to disbursement.
Audit Compliance and maintenance of portfolio health.
MIS management and all types of coordination and correspondence related to
Agriculture financing and compliance of Policies and prudential regulations.
NPL Management and keeping track record of default portfolio of the branches.
Acting as custodian of Security and Charge Documents at Branch to ensure Bank
interest.
Keeping Branch provisions in check for profit maximization.
Mobilization of team against deposit mobilization and support to branch business
targets, Cross selling of different banking products to customers.
Habib Bank Limited:
Worked as Regional CAD Coordinator; in RHQ, HBL Farid Town Sahiwal region, from Feb-2014
to Jan- 2017, where assignments were:
Developed comprehensive action plans of Regional Agric. General Manager and
maintaining expired, going to expire/expired credit facilities of 73 branches in
Sahiwal region with the coordination of Branch Offices and Agriculture Team.
Coordination with all AFOs of the region for policy discussions
Legal Mortgage of Agriculture SME’s and Agri-Commercial Cases.
Assisted CAD Managers for issuance of DAC and related credit administration
operations.
Worked as Agriculture Finance Officer; AM-I in Grain Market Branch Sahiwal region, from Oct.
2008 to Jan-2014, where assignments were:
Managed Agriculture Credit portfolio of 03 Branches of Sahiwal Region.
Arrangements for provision of agric. Credit services to the customers of the branch as
per Bank defined parameters.
Assisting Branch Manager for making prudent decision/efforts required for
improvement in Profitability of the branch for its optimal health and bank safety
position from disbursement to adjustment, and adaptation of timely measures against
the expire credits, deferrals, NPL finances and legal notices for struck cases.
SWAT Agro Trade (BASF):
Worked as Area Sales Officer in Vehari region, from Jul-2004 to Sep-2008, where assignments
were:
Meeting monthly, quarterly and yearly sales targets of specialized formulas and
company products.
Product development as well as direct selling.
Daily Meetings with farmers in Farmer Awareness Program.
Aventis Crop Sciences:
Worked as Sales Officer in Sahiwal region, from Mar-2003 to Jun-2004, where assignments were:
Meeting monthly, quarterly and yearly sales targets of specialized formulas and
company products.
Product development as well as direct selling.
Daily Meetings with farmers in Farmer Awareness Program.
Trainings
Attended two months training session on Agric. Credit at UBL RHQ Sahiwal in
2007.
Attended 03 days training on Prudential Regulations in 2009 organized by HBL at
Lahore.
Attended Three days sales conference in Dubai (Grand Hyatt) in 2013 organized by
HBL.
Attended 04 month training organized by Head Office Karachi on LOXON software
(on line application in loan originated system.) Approvals level to disbursement level.
Attended Two days training on interpersonal communication skills in MCB Bank
Limited Bahawalpur in Mar, 2017.
Skills
Exceptional MS Office Skills.
Excellent Interpersonal, Intrapersonal and Group Communication skills.
Well versed with changing policies, trends and adaptable to environmentally derived
factors.
Academic Profile
Sr. # Degree Title Passing Year Institution
1 MSc Hons. Plant Pathology 2002 University of Agriculture, Fsd
2 BSc Hons. Agriculture 2000 University of Agriculture, Fsd
3 F.Sc Pre Medical 1996 Govt. College Bosan Road Multan
4 Matriculation (Science) 1992 Govt. Comprehensive School, Sahiwal
Awards
Elevation as AMM in MCB Bank Limited in recognition of Performance (2019)
Cash Award by MCB Bank Limited in recognition of Performance (2017)
2nd Prize in Best Quality Portfolio in HBL (2013)
Win Champions Trophy and got Dubai tour Expo 2020 in HBL (2013)
Cash Award by HBL for Portfolio Handling in HBL (2012)
References
Will be furnished on demand