Muhammad Usman Zafar
Banker
Summary
To seeking a challenging position and prove my abilities as an indispensable asset by performing in a dynamic organization with an aim to contribute positively towards the objectives of the organization. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
23
23
years of professional experience
2
2
Languages
Work History
Senior Manager Credit Administration
MCB BANK LIMITED
Lahore
09.2014 - Current
- Worked in Credit Administration Documentation Hub (Principal Office Lahore) for the period mentioned above
- Job description as give;
- Supervise the team for integrity & accuracy in document preparation and timely internal reporting
- Adherence to all the requirements of Credit Policy Manual, Statuary & Regulatory Requirements in preparation of all security documents by CRCD
- Ensure safe physical possession of all prepared documents in custody
- To make sure the preparation of IB-Forms and Charge creating documents perfect in every aspects
- Issuance of NOCs to other banks
- To check the pre-disbursement documentation review reports, marking of Liens on cash collateral
- To make sure that all the non-standard documentation should be prepared under Legal department guide line, arrangement of legal opinion after completion/ registration of security documentation
- To Ensure compliance with internal operating procedures and control standards
- To monitor and manage the total credit portfolio in USD 90 million fund based and USD 55 million non-fund based including but not limited to all clients
- Ensure adherence to all relevant SBP Regulation Specially pertaining to financing against shares
- CDC operations include pledge and release of share while using bank internal system and CDC system.
Manager CAD
Habib Bank Limited
Lahore
08.2012 - 09.2014
- Has been working in CAD LHR (Regional Office) for the period mentioned above
- My prime responsibilities are mentioned belo
- Preparation control documents and charge creation documents
- Preparation of Offer letter, standard control documents as terms and condition given in approval
- Preparation of Equitable/ Registered Mortgage documents
- Handle the limit feeding /MIC, collateral update
- Custodian of enter Agricultural & NPL portfolio of Lahore region
- Handling all operational CAD activity i.e Collateral opening, CAN, Limit update and disbursement through limit feeding in Mysis(Internal System)
- Monitoring and follow up with branches for TOD and EOL statement conveyed by HOK
- Preparation of standard and non-standard reports for CCAD and SBP
- Preparation of Non-Standard documentation through LAD
- Arrangement of legal opinion after completion/ registration of security documentation
- Preparation of various MIS prepared for group reporting
- Preparation and maintenance of safe in safe out register
- Processing of release request of collateral of the clients.
Senior Credit Risk Control Officer
MCB BANK LIMITED
Lahore
04.2006 - 08.2012
- Worked in Credit Administration Documentation Unit (Principal Office Lahore) for the period mentioned above
- Job description as give;
- Ensures integrity & accuracy in Document Preparation and timely internal reporting
- Adherence to all the requirements of Credit Policy Manual, Statuary & Regulatory Requirements in preparation of all security documents by CRCD
- Ensure safe physical possession of all prepared documents in custody
- Preparation of IB-Forms
- Preparation of Charge creating documents
- Issuance of NOCs to other banks
- Preparation of Pre-Disbursement Documentation Review Reports, marking of Liens
- Preparation of Non-Standard documentation through LAD
- Arrangement of legal opinion after completion/ registration of security documentation
- Preparation of various MIS prepared for group reporting
- Ensure compliance with internal operating procedures and control standards
- Over all monitoring of credit polio of over 4 Billion including but not limited to all clients' drawing power on daily basis
- Ensure adherence to all relevant SBP Regulation Specially pertaining to financing against shares
- CDC operations include pledge and release of share while using bank internal system and CDC system.
Credit Officer
Crescent Leasing Corp. Ltd
Lahore
01.2005 - 03.2006
- Reviewing fresh cases of approval in lieu of NBFI and Company regulation
- Preparation and Check the legal document of approved cases of Micro, SME and Corporate clients before sending for disbursement
- Inspection and verification of the client's credit worthiness at their business premises
- Maintain built-in and non-built insurance record and issuance of letter for renewal of insurance policy
- Assisting Regional Manager in making credit proposal, analysis of feasibility reports, financial analysis, generation of credit proposal for competent authority and explore the market of SME.
Deputy Administrator
Sharif Education Complex
Lahore
03.1999 - 12.2004
- Educational Complex Job Description was to coordinate, manage and execute the administrative work included but not limited
- To execute day to day Administrative activity
- To manage 24 buses fleet transport department for pick & drop of school students
- To manage purchases, stores and HR department to keep very department update as required
- To deal with Education Board, Cambridge, and financial organizations
- To teach the O-Level subject (Business Studies) and DAE classes Subject (Commerce).
Education
Master - Business Administration (Banking & Finance
Hajvery University
Bachelors of Commerce (B. Com) - undefined
University of The Punjab
Skills
Credit card processing
Credit checks
Credit reports
Risk mitigation
Financial analysis and reporting
Accomplishments
- Compute training course in E .Commerce from TDCP
- Diploma in Microsoft Excel, Word and Power point application from NCCS
- One day Workshop on American History American Center Lahore Pakistan
- One day workshop on “How to Start & Run Your Own Business” American Center Lahore Pakistan
- One Day Workshop on Management Networking Conducted by British Council, Lahore.
Timeline
Senior Manager Credit Administration
MCB BANK LIMITED
09.2014 - Current
Manager CAD
Habib Bank Limited
08.2012 - 09.2014
Senior Credit Risk Control Officer
MCB BANK LIMITED
04.2006 - 08.2012
Credit Officer
Crescent Leasing Corp. Ltd
01.2005 - 03.2006
Deputy Administrator
Sharif Education Complex
03.1999 - 12.2004
Master - Business Administration (Banking & Finance
Hajvery University
Bachelors of Commerce (B. Com) - undefined
University of The Punjab