Manager Sales

[Add: Plot # A-***, House # G-***, Block C, North Nazimabad, Karachi, 74700, Pakistan][Cell:+967-********* Land: +92-213-******* (Pak)]

[Email: ********@*****.***]

USMAN FAROOQ

Objective:

Seeking a challenging opportunity as contributing member in a leading role, where I utilize my academic knowledge, experiences & professional skills to achieve bright prospect by being an invaluable asset for the organization to achieve growth & development together.

Professional Experience:

Officer Grade 1 (Eqvi Senior Manager) Corporate Banking Group

United Bank Limited (International Division / Overseas) www.ubl.com.pk

(Sana’a branch, Currently in Aden Branch) – Republic of Yemen (Presently 5yrs 1month) July 2007 – Till date

PRIME RESPONSIBILITIES:

Headed all operations of the branch including cash, clearing, account opening, money market, remittances, fund placements, maintenance of bank's accounts in Central Bank etc.

Booking new relationships at embryonic stage where structuring & intricate negotiations with subsequently executing the transactions.

Identify new business for the bank including cross-selling products

Liaise with Credit Administration Department and other departments to ensure compliance to the bank’s own and central bank’s procedures and regulations.

Maintain regular, appropriate and frequent contact with the assigned customers to identify the opportunities and sell the full range of financial products and services offered by the bank.

Prepare annual review of existing relationships taking into account past profitability vis-à-vis the risk as well as future earning from the accounts

Follow up-on slow moving and hard-core advances and regularization of credits in respect of rescheduling / restructuring of sick accounts.

Responsible for preparation of CA’s, till final drawdown after completion of all formalities.

Cross-Selling various transactions to improve profitability of slow moving or dead relationships.

Involved in operations, trade finance, credit administration, as well as liaison with regional office in Dubai for approvals of day to day transactions.

ACHIEVEMENTS:

Worked as Acting Branch Manager in United Bank Limited – Aden branch on numerous occasions in order to cover the existing branch manager on leave, looking after all aspects of the branch which included operations, money market, funds placements, maintaining cash in Central Bank and Branch respectively etc.

Contributed in the preparation of Budget from 2008 till date 2012 for UBL – Yemen region with the General Manager (Yemen).

Prepared and presented research report for the identification of new branches, business segments & Target Markets operating in target cities of Yemen to regional office as a part of the management team in Yemen.

Played an instrumental role for the development of corporate portfolio & deposit base in the newly established Aden Branch.

Acted as a Coordinator for Internal Audit and BRR (Business Risk Review) annually.

Built & Maintaining US$ 83.000 Million credit portfolio in just 4years of operations in different segments i.e Foodstuff, Frozen Foods, Timber, Steel, Electronics, Retail Hypermarkets, Contractors, Cigarette Manufacturers, Cement Manufacturers etc.

Senior Relationship Manager (Accounts Manager) – Grade 10 (AVP-1) Commercial Banking NIB Bank Limited. – Karachi, Pakistan. www.nibpk.com (Main Branch/North Karachi Branch/ Jodia Bazaar Branch / Steel Market Branch) (2yrs 4 months) Feb 2005 – June 2007

PRIME RESPONSIBILITIES:

Maintained Commercial & SME advances portfolio of Rs 800 Million in prime sectors including Textile (Spinning, Weaving, Processing, Towel, Ready-made garments), Packaging, Commercial Trade of Commodities mainly Sugar, Plastic Molding Compound, Iron & Steel, Tea, Chemicals etc.

Maintained / Managed Commercial/SME relationships of 124 accounts, with average size of financing amounting to Rs.20.0M moreover generated trade business amounting to Rs.450.00 M / month.

New relationship booking at an embryonic stage where structuring and intricate negotiations are involved subsequently approvals till drawdown is expertly handled individually.

Liaison with Credit Administration Department and other departments to ensure compliance of bank’s internal and central bank’s procedures and regulations.

Prepared annual reviews of existing relationships taking into the past profitability vis-à-vis risk as well as future earning from the accounts keeping in view the cross selling element.

Followed-up on slow moving and hard-core advances with Branch Manager.

Writing Credit Applications, gathering and compiling information on market/industries, studying client’s business requirements and suggesting suitable credit lines, visiting client’s office and meeting owners/sponsors to seek satisfaction, making plant visits, liaison with client’s day to day transactions.

Followed-up with existing clients for ancillary business and acquiring leads for new clients, liaison with Consumer Banking, Operations, Trade Finance, Treasury, F.I., Risk Management, CAD etc, ensuring compliance of internal, external, SBP audit, cross sell other products of bank i.e. lease and liability products, carrying out liability takeovers, providing advisory/consultancy to the client related to their financing and investing needs.

Also actively involved in Operations department for the execution of various transactions.

ACHIEVEMENTS:

Introduced & marketed new accounts, well versed in legal matters pertaining to credits, undergone liability takeover process, managed accounts individually. Played key role in launching and executing first pilot project in Pakistan by Tamasek Holdings Singapore pertaining to S.M.E. sector in North Karachi Branch and boosted Steel Market Branch since inception.

Assistant Territory Manager, (1yr 7 months) March 2003 – October 2004

A.T.C. - Associated Textile Consultants (A part of AGC and National Foods) www.atcpak.com Lahore, Pakistan.

The No.1 Textile Indenter + B2B Solution provider in Pakistan

RESPONSIBILITIES:

Developed Marketing strategies and Business plans regarding sales of Technological components (Rubber cots, Aprons, Card clothing, Steel Rings Sliver Cans, Auto Levelers, Reiter Cz.) as per given targets and also responsible for recoveries payment.

ACHIEVEMENTS:

Recorded highest sales for Lahore area in July 04 for which received appraisal in September 2004 quarterly sales meeting & will be promoted to Territory Manager Sales soon.

Internship, Trainee – Afroze Textile Industries (Pvt) Ltd, Karachi. June 1999 – Aug 1999

www.afrozetextiles.com (3 Months)

Received extensive training in Administration, Accounts, Marketing and Human Resource Management, International Marketing and Exports.

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Educational Synopsis

Master in Business Administration (MBA) Major in Marketing & Finance 2002 – 2003

Mohammad Ali Jinnah University (MAJU), Karachi www.jinnah.edu.pk CGPA: 3.45 on 4.0 Scale

Bachelor in Business Administration (BBA) Major in Information Technology (IT) 1999 – 2002

Mohammad Ali Jinnah University (MAJU), Karachi www.jinnah.edu.pk CGPA: 3.10 on 4.0 Scale

Intermediate F.Sc. – Pre Medical 1998 – 1999

D. J. Sindh Govt. Science College, Karachi

Matriculation H. S. C – Science Group 1996 – 1997

St. Patrick High School, Karachi

Languages

+ Urdu (Mother Tongue)

+ English (Advanced)

+ Arabic (Fair)

Professional Workshops Attended

Selling to Win Customers. (Gulf-stone Training)

Analysis and interpretation of financial statements. (Institute of Bankers Pakistan)

Business writing for the 21st Century. (Gulf-stone Training)

Winning Through Superior Service. (Gulf-stone Training)

Branch Banking Operations. (Institute of Bankers Pakistan)

Selling Service Excellence. (UBL Training in Yemen)

Computer Skills & Expertise

Operating Systems:

Microsoft Windows 98/2000/XP/Windows7

Office Automation Tools:

Microsoft Office 97/2000/XP/Windows7

Excellent Presentation Skills

Web Site Designing Tools:

HTML, Microsoft FrontPage 2000/XP/Windows7

Macromedia Dream Weaver

Extracurricular Activities

Participated and won Table Tennis Championship held at Mohammad Ali Jinnah University, 2002 – 2003

Participated as a team member on a Documentary entitled “Eradication of Child Labor in Pakistan”

President, Business Societies 2002 – 2003 (MAJU)

References

To be furnished upon request.

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