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Abdul Rehman AA/ Central Avenue, Phase II, D.H.A, , Karachi. Phone: , : , : . Email :
Subject: Application for Job SME & Commercial Credit/ Finance
I graduated from Institute of Business Administration IBA with an MBA in with a C.G.P.A of .. Interest is in the field of Project Management, Risk Evaluation and Information Systems. My competency and experience is in Product development and Credit risk evaluation of commercial businesses specially Small and Medium Enterprises SME. My personal competency is business analysis, time bound projects and team management. I am currently working for Habib Bank Limited, the largest Private Bank in Pakistan, details and scope of work is mentioned in the attached resume. Looking forward to hearing from you.
Reference: Kashif Thanvi: +, Head Rural Finance, HBL Head Office, Karachi, Pakistan. Bilal Asad Kayani: +, ENGRO Vopak, Karachi, Pakistan. Rajnesh Kumar Goindani: +, MCB Head Office, Karachi, Pakistan
PERSONAL Father&;s Name : Lt. General Nadeem A. Date of Birth : February th, , Karachi Address : AA/, Central Avenue Phase II, D.H.A, Karachi, Telephone No. : + , + Mobile No : + Email : WORK EXPERIENCE Jul to date Habib Bank Limited, AVP & Business Development Manager Rural SME, reporting to Head Rural Finance, Retail Banking Group Business Development Manager Rural SME&;s · Economic Overview of the country to assess and maintain the health of the financing · Economic Gap Analysis in open market for future financing venues · Sector Researches for parameterization of specific business indicators · Opportunity vs Risk Analysis of various financing proposals under review · Product development on selected sectors · Product Deployment and Monitoring based on PPM and guideline documents · Alliance Building with market players in the industry · Operational Procedure Manuals for viable and dynamic financing mechanisms May Jul United Bank Limited, SME Credit Policy and Product Development, Assistant Manager Reporting to Manager Agri, SME Credit Policy & Product Development. Officer Product Development CB & SME · Credit & Deviation Approval Review CA Approvals & Deviations for signoff · Product Development Sector Research and development of PPM&;s · Monitoring of both relationship and Product based lending · Portfolio Review of Commercial Bank & SME · Market Study and Internal Scan for product development for SME sector · Review and Renewal of previous Product Program Manuals PPM&;s Portfolio Assessment & Monitoring of UBL Drive · Analysis of End to End UBL Drive months portfolio for Risk Assessment · Breakdown of Policy, Credit Initiation, Extern Agencies & rd party issues related to Risk · Risk Quantification, Assessment and presentation in terms of Collateral Security Docs · System Initiative and development of Post Approval Credit Monitoring Architecture · Liaison with credit policy for risk mitigation controls and policy alterations Portfolio Analysis and Monitoring Corporate, Commercial & Agri Banking: · Analysis of Credit Administration cycle and involvement in the loan booking process. · Analysis of corporate and commercial portfolio with respect to limits, PPM&;s, client history and other risk parameters. · Breakdown of TurnAroundTime TAT for efficiency & effectiveness of Credit App Cycle · Formulation of Risk Attuned Processes for critical vendors i.e. Muccadams, Valuators · Coordinate & Formulate Process Improvement teams & Quality Circles for Credit · Governance & Incorporation of Regulatory requirements in Collateral Docs & Processes · Settlement of Vendors Legal, Payment and functional Issues
· · · · ·
Information Reporting through MIS design and implementation of CCAMS & CARS software systems for monitoring Banks Exposure. Agriculture Business Loan Booking process reengineering Training of Credit Risk Management, Credit Admin and Relationship Managers of the new functions and Information Cycle Review and Revisit Process Risk Audit of implemented process across Pakistan Monitoring eArchiving Process across Pakistan for centralization of all Loans
VMU Vendor Management Unit Manager: The responsibility of Vendor Management Unit is to enlist, monitor, evaluate, scrutinize the core vendors of the Advances Portfolio, requires pro active view of the services provided and quick pre emptive decisions to safe guard the Banks Interest. · · · · May June Scrutiny of documents through as per selection criteria according to firm&;s market position, experience and service patterns with possible counter check measures. Vigilance & Correspondence with financial institutions & RCAD to gather facts of discrepant issues such as in case of Fraud and suspected malafide intentions. Manage & Approval of oneoff special transaction in which customer has developed comfort level with the client and Bank has to maintain sound interest with that client. Formulation & Vetting of Legal Agreements with all Vendors
ICI Pakistan Limited, Corporate Finance Department CRG, Internship · · · Consolidation of business of ICI Pakistan Reporting of ICI Accounts as per ICI PLC UK standard Reporting of ICI Accounts as per State Banks Regulations
Right Solutions Network, Software Engineer, System Analyst Developed numerous projects in team and as a project leader with zStarNetwork Inc since december as Application Developer on various platforms. zStatNetwork, US based, back office in Karachi Pakistan. · · · · · FUJI Color Labs, Retail Management System. Application developer in ASP&;s and DBA of RightStats.Com Network. Online Client/Server Software design, development and module supervisor for customer support/monitoring system @ Development of COM Model for Design, Development & Deployment of COM/COM+ Model with MTS monitoring for RightStats.Com
IBEX Technologies, Assistant Manager Operations Software Consultant Worked with Ibex Technologies Pvt. Ltd. A web development growing firm as Assistant Manager Operations.
EDUCATION Qualification MBA BSCS H.S.S.C Matriculation
Institution IBA Institute of Business Administration Department of Computer Science, University of Karachi D.H.A Degree College for Men, Karachi F.G QuaidIAzam Public School. Chacklala Rawalpindi
Grade/GPA . . A A
MAJOR COURSES Corporate Finance Managerial Policy Marketing Management
Project Evaluation Security Analysis Business Process Reengineering
Financial Management Business Finance IBF Methods Of Business Research
RESEARCH PAPERS / PROJECTS Selected Financial Model of Muslim Commercial Bank Detailed Financial Model of Pakland Cement Market Research and evaluation of major business schools in Pakistan. Development of Case study on Soap Industry of Pakistan. Developed a client server, electronic customer relation management system in Java. Detailed study of Standard Chartered Grindlays management infra structures. Analysis and study of Islamic banking system. Research work on INS policy and image of US Policy in the world. Worked on security of electronic commerce through international payment gateways in Right Solutions. EXTRACURRICULAR ACHIEVEMENTS Professional Photography from Alliance française, Karachi IT Secretary, BITS Club, IBA city campus Karachi. Participant, programming competition ProQuest&;, University of Karachi. Active Member, organizing & participating in ITCN Asia Brain bench certified ASP Programmer Brain bench certified for SQL database server Administration Network essentials NE, Microsoft certified. Study of secure electronic payment system for Unix/ Linux based machines. SKILLS, INTERESTS AND ACTIVITIES Reading and traveling, Swimming, Study of world war I Aero modeling design. Networking & Study of raw etching design.