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<pre>Array ( [var] => cut_url ) </pre> Resume for MUHAMMAD S. for Banker / Bank Teller / Banking in karachi, Pakistan. Search More Resumes for Banker / Bank Teller on Resumark.com #F4C3YDPPJ
 

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Resume for MUHAMMAD S. for Banker / Bank Teller / Banking in karachi, Pakistan




Occupation: Banker / Bank Teller Industry: Banking
Country: Pakistan City: karachi
State: Sindh ZIP: 74000



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Muhammad Sajid Aashiq MBAFinance Consumer Banking Specialist Mobile: + / + Email: STRENGTHS * MBAFinance qualified * Can manage multiple assignments * Credit Initiation expertise * Four ARR and Internal audits * Strong command over admin * Take initiative, to resolve problems * Good skills in documentation * Perform well under work pressure * Analytical & problem solving skills * Excellent managerial skills * Keep a positive and flexible attitude PROFILE SUMMARY Postgraduate in Finance demonstrated almost years of experience and success within facedpaced and challenging work environments. Willing to gain professional work experience in Gulf as a banking Staff at an executive level. Developed expertise in credit initiation, consumer products, documents verification, ARR, reconciliation, internal audit, management, documentation, and administration. Well adept in working card pac, ALS, NADRA and data check. Industry experience includes foreign bank. EDUCATION Master of Business Administration Finance, AlKhair University, Pakistan * Bachelor of Arts, Government College Multan * ACHIEVEMENTS * Successfully managed EAMU and reported to CIU head. * First one to identify FAKE companies present in the market. * Started photo verification country wide under my supervision. * Dealt effectively with banks vendors and applicants according to the policies and guidelines of the bank. * Performed very well as credit cards manager backup country wide and achieved the mile stone of , basic credit cards in a month. * Performed extraordinary as credit cards analyst and received service excellence award. CAREER SNAPSHOT * Manager Credit Initiation UnitEAMU South, Citi Bank N.A, Pakistan * Nov Jan * Credit Analyst/Backup of CIU Cards Manager, Citi Bank N.A, Pakistan * May Oct * Assistant to Analyst CIU Cards, Citi Bank N.A, Pakistan * May May * AREAS OF EXPERTISE * * * * Managerial * Can manage multiple assignments & priorities efficiently & delegate when necessary. * Interact independently and as team member at all organizational levels. * Initiate Communication and establish successful relation with client and coworkers. * Take initiative, to plan, organize, evaluate, followup & resolve problems in a timely manner. * Keep a positive, Flexible attitude and readily adapt to change. * * Administration * Serve as prime interface for all office based and administrative operations in the organization. * Ensure smooth office operations by maintaining constant communication with the staff and keeping track on various correspondences and office communications. * Maintain confidentiality of files, matters and documents for senior management. PROVEN JOB ROLE * * Manager Credit Initiation UnitEAMU South, Citi Bank N.A, Pakistan * Responsible for the External Agencies Management Unit. * Main responsibilities were to implement effective controls in loan verification process, as without a proper and affective verification procedure the bank could lend loans to possible defaulters. * EAMU is also responsible in coordinating with the external lawyers in the smooth process booking of Mortgage loans Stage I & II. * EAMU is also responsible in coordinating with the external vendors in the appraisals of property, auto loans. * Overall EAMU is the back bone of the consumer credit products e.g. Credit Cards, Personal Loans, and Auto Loans & Mortgage Loans. * Responsibilities also included effective Capacity Planning of resources with respect to workload and hiring/training of all personnel in the unit to enhance their individual & collective performance & increase efficiency in all functions via training. * Find ways of reducing cost. * Successfully, inhouse verification to EAMU from vendors throughout Countrywide. * Maintain departmental MIS. * Coordinated with all the departments concerning employee leaves and other related issues. * Countrywide followup regarding TAT and cross verification. * Managed a team of Individuals. * Credit Analyst/Backup of CIU Cards Manager, Citi Bank N.A, Pakistan * Analyzing and evaluation credit worthiness of potential card customers. * Using various financial calculations to establish spending limits. * Coordinating with upcountry team to achieve record breaking targets. * Working with the Credit Cycle Department to research, revise and implement the Product Program. * Working with the New Accounts Manager to streamline operational, process flows. * Editing and updating the Pakistan Cards Manual for Citibank. * Preparation of Daily Cards MIS for Higher Management on a country basis. * RCC system coordinator for the Unit. * Responsible for the capacity planning for the Unit. * Responsible for effective budgeting for the Unit. Additional Assignments, Supervisor of Datacheck * Matching badtrack applicants with the data of other banks. * Sharing data with other Banks. * Decisions on possible & strong matches. * Conducting verification of strong match cases. * Proactive Risk control by holding new accounts which are proven to be involved in defaults with any other bank. * * Assistant to Analyst CIU Cards, Citi Bank N.A, Pakistan * Conducting Internal & External verifications to determine authenticity of information provided by applicants * Conducting cross verification for random samples of Credit Cards applications. * Coordinating with external verification agencies to closely monitor verification and their performance. * Rejecting basic Credit Card applications during manual review. * Conducting verification of Income Documents of applicants. * Supporting analysts in the decision making through internal authentication. * Preparing daily MIS, monitoring of service indicators and turnaround time TAT for management. * Review all the Credit Cards declined applications. * Generating Daily Credit Card MIS. * Generating Daily MIS of External Agencies Share. * Coordination with the upcountry Cards Initiation Units regarding process of Card applications. * In the month of May I became a permanent employee of CITIBANK N.A as a Credit Analyst based on my hard work and performance. * * * Awards Surprise Award for the month of September * Surprise Award for the month of September * Best performance award for the month of October * Service Excellence award for the year * Best Ever Achievement Award May * Best Ever Achievement Award Dec * Best Ever Achievement Award May Training Courses * Consumer Finance * Collection Management * Core Compliance * Anti Money Laundering AML * Behavioral Interview Techniques * Securing Our Future ELearning Course * Code of Conduct ELearning Course PERSONAL DETAILS Nationality : Pakistani Date of Birth : rd June Marital Status : Married Visa Status : Visit Visa Languages : English, Urdu, & Punjabi Reference : Available upon request

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