Relationship Manager Branch

BAHR-E-KARAM

Village & P.O Marghuz

Tehsil & Distt Swabi KPK Pakistan

PHONE:+92-938-****** MOB+92-333******* EMAIL: *****.*****@***.***.**, **********@*****.***

PERSONAL INFORMATION

Father Name : Muhammad Qasim

Domicile : Swabi (KPK)

Date of Birth : 14–08–1981

N.I.C. No. : 16201–0942416–7

Religion : Islam

Gender/Status : Male/Married

Nationality : Pakistani

EDUCATIONAL BACKGROUND:

MBA( Banking & Finance) from AWKUM in 2012.

MS (Comp. Sc) in Networking & Telecom from ICMS Peshawar in 2010.

M.Sc Electronics in 1st Division from University of Peshawar in 2005 .

B.Sc. with Electronics in 2nd Division from Islamia College Peshawar.

F.Sc. (Pre–Engineering) in 1st Division from Islamia College Peshawar.

S.S.C. (Science) in 1st Division from Pasban Model School Thand Koi (Swabi)

Courses:

Islamic Banking Course from NIBAF (SBP)

Experience:

(1) Joined The Bank of Khyber as a regular employee in Islamic Banking on 04 June 2009, details of my Jobs descriptions are:-

The Bank of Khyber Islamic Banking Branch (Charsadda Main)

04/06/2009

28.03.2011

Credit Officer

The Bank of Khyber Islamic Banking Branch (Swabi)

29/03/2011

24/03/2015

Branch Manager Ops

The Bank of Khyber Islamic Banking Branch (Swabi)

25/03/2015

15/03/2023

Branch Manager

The Bank of Khyber Islamic Banking Branch MTI BKMC Swabi

16/03/2023

Till

Branch Manager

Major Duties/Responsibilities:

Overall supervision and administration

Deposit Mobilization/Achievement of KPI

Meeting with existing and new customer for Deposit and finance mobilization.

Monitor and review Credit portfolio.

Internal control and compliance.

Implement Branch process according to SBP regulations.

Branch Annual Business plan and budget.

PER of the staff.

Ensure internal control and compliance of Bank SOP’s.

Implementation of cross sell liability and asset products.

Office Maintenance & Service Quality Management.

Achievements of Branch business targets.

Loan Disbursement Authentication

Allocation of Passwords /assigning of Users Options.

Removal of Lien on Accounts & change of status of Dormant or Frozen Account.

(2) Joined MCB Bank Ltd as Trainee Officer on 05th July, 2007, to 01st June 2009.

MCB Bank Ltd (Main Br Attock City)

05/07/2007

01/06/2009

Credits Manager

Major Duties/ Responsibilities:

1Evaluating processing and recommending credit proposals.

2Conveying decisions through effectives correspondence

3Obtaining confirmation for compliance of terms

4Preparing monthly exposure reports and the portfolio related reports

5Monitoring SBP’s Prudential Regulations Instructions and Guidelines regarding Commercial Banking

6Updating and circulating policies/procedures as per instruction received internally or from SBP from time to time.

7Monitoring and follow up of credit administration requirements

8Reporting of irregularities and follow-up for corrective actions

9Review customer’s financial position, taking into account external influences like the economy and industry in which the customer operates

10Review each customer’s facility limits, financial needs and strength

11Conduct an industry portfolio analysis.

3. Lecturer at Govt College of Technology from sep 2004 to March 2007

Banking and Related Knowledge:

Prudential regulation SBP (Commercial & Consumer).

Negotiable Instruments Act 1881.

Transfer of Property Act 1882.

Contract Act 1872.

Registration Act 1908.

Partnership Act 1932.

Banking Companies Ordinance 1962.

Ratio Analysis & Capital Budgeting.

Finance of Foreign Trade & Foreign Exchange.

Commercial Law.

Pakistan Economy.

Money Market & Capital Market.

Company Ordinance 1984.

Stamp Act 1899.

Know how of Islamic Modes of financing.

Risk Management & Islamic Banking.

Financial Accounting for Islamic Banking.

Theoretical & Practical Know how of Islamic Banking Instruments& Operations

Islamic Banking Rules & Regulations.

Professional Skills:

Good Communication & Interpersonal skills & ability to work as a team leader

Decision Making Potentials

Good Communication, Interpersonal & Liaisoning Skills

Adequate Knowledge of Islamic Modes of Financing

Knowledge of the Credit & Procedural Policies of the bank & SBP’s Prudential Regulations for SME & Consumer Financing

Good knowledge of credit & market analysis, negotiation & structuring of transaction & Preparation of Credit Proposals & Documentation for CAD

Capable to lead & motivate a Team Members & pursue organizational goals

Capable to complete tasks within time frame without compromising on the quality of work

Providing excellent service to the customers

LANGUAGES:

1English (Read, Write, Speak)

2Urdu (Read, Write, Speak)

3Pashto (Read, Write, Speak)

4Arabic. ( Read, write)

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