Mujeeb-ur-Rehman Agro Email ID: Mujeebagro10@outlook.com Mujeeb.rahman@nibpk.com Cell No. +923452527634 Skype ID: mujeebsalma1

Credit Manager / Relationship Manager 17 years Banking Experience in Pakistan

Profile

A seasoned commercial banker with 17 years of hand-on versatile experience in credit analysis, credit risk management, portfolio management, customer services and relationship management. An energetic, "make-it-happen" professional able to accelerate growth and positively impact the bottom line through effective process orientation and extensive relationship building. A result-oriented professional with good communication, leadership, team management, client relationship management, analytical and co-ordination skills.

Career Objective

To achieve a challenging position in financial sector specially in commercial banking using best of my analytical and managerial skills and abilities with the opportunity for professional growth based on performance.

Education

Masters in Business Administration (MBA) Masters in International Relations (MA)

Key Competencies

Credit Analysis Consumer and retail Relationship ManagementPortfolio Management Credit Administration Loan processingRegulatory Compliance Credit Review Transaction Monitoring

Excellent knowledge of all retail and consumer banking and financing products including Saving account, current accounts, mortgages and insurance.

Comprehensive knowledge of government, regulatory, and local rules and laws. Loan Processing pertaining to: Auto Lease ,Housing Loan, Mortgage Finance, Term Finance,

Running Finance, Personal Installment Loan, Disbursement of funds

Work Experience

NIB Bank Limited Pakistan (wholly owned subsidiary of Temasek Holdings, Singapore) 2005 till dateCredit Analyst

Mujeeb-ur-Rehman Credit Analyst/ Relationship Manager

Pakistan Industrial Credit and Investment Corporation 1999 to 2005Branch Operation Officer

Work Experience ( Details )

POSITION CREDIT MANAGERCOMPANY NIB BANK LIMITED PAKISTANDURATION 2005 TO TILL DATE

RESPONSIBILITIES:

Evaluate all sort of risks associated with the credit proposals submitted by branches exceeding the delegated limits and make recommendations for approval or rejection to the Head of Department.

Participate effectively in new system implementations by defining business requirements and processes.

Responsible for monitoring all sorts of financial transactions of the company and ensured proper posting of them in the relevant registers.

To provide technical support to the team in charge of collections and administrative support to all the employees and the management in maintaining perfect records of all financial transactions.

Checking of applications & supporting documents such as balance sheets statements of accounts & financial analysis.

Renewal of customer's credit facilities, completing the customer's file by preparing necessary Manage collections for an assigned accounts receivable portfolio. Perform initial and follow-up customer’s credit review, based on evaluation of their financial

statements, D&B reports and credit references. Maintain weekly cash forecast report for the Treasury department. Constructs /reconstructs financial statements (cash flow, income statement and balance sheet) to

determine the capacity to pay. Ensure that the loan application has conformed to Bank policies, rules and regulation. Ensure proper upkeep of work area and equipment assigned to him/her. Establishes good public

relations for the banks with its clientele and the general public.

POSITION BRANCH OPERATION OFFICERCOMPANY PICIC LIMITED PAKISTANDURATION 1999 TO 2005

RESPONSIBILITIES:

Monitor daily operations to ensure a free flow process, and also supervise the execution of daily tasks.

Prepare daily fund monitoring report; Prepare weekly past due monitoring report; Maintain and reconcile Accounts Payable and Accounts Receivable Ledgers of the branch. Promotes business for the Bank by maintaining good customer relations and referring customers to

appropriate personnel for new services. Check the correctness and completeness of loan folders of loan applicants; Conduct cash count on cash end balances of branch tellers, petty cash fund and cash-in-vault.

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Mujeeb-ur-Rehman Credit Analyst/ Relationship Manager

Ensure that all transitory accounts are closed every end of day. Check the correctness of all other banks checks received by the teller for outward clearing and

transmit the data to Clearing Department. Checks the correctness and completeness of cash for ATM replenishment together with the Branch's

Cashier and Branch Operations Officer. Act as the Compliance Officer of the branch. Prepare and post accruals/adjusting entries for various expenses; Oversee the processing of centralized loans and other banking activities to ensure due process,

accuracy and accountability are followed. Create and implement long term business plan to ensure continuity of business operations in the

long run. Ensure client data is protected from the public and secured against fraud by enforcing access rights

and verification levels. Develop financial back up plans to protect business operations in the event of major crises that

could result in huge losses. Collaborate with heads of other units to develop best practices for successful banking operations

Delegate tasks to members of the operations team.

Computer Skills

Proficient in Software Applications. Well accustomed with PC skills. Ms office (Word, Excel, PowerPoint, Access)

Personal

Date of Birth: 30-04-1975Passport No. C9183882Passport expiry Date: 20-08-2020

Reference

Mr. Faraz MahmoodVice PresidentNational Bank of Abu DhabiCell No.0568105880

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