Summary
Overview
Work History
Education
Skills
Certification
Interests
Timeline
Generic
Ghazanfar  Arshad

Ghazanfar Arshad

Certified Banker
40 Gulzaib Colony Vehari Road Mumtazabad Multan

Summary

Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering Seven years of financial industry expertise. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Service-oriented Relationship Associates with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Trained in AHBs use and administration with knowledge of Banking Operations and landing. Dedicated to excellent customer service and best-in-class collaboration. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Middle Management position. Ready to help team achieve company goals. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

6
6
years of professional experience
3
3
years of post-secondary education
3
3
Certifications
2
2
Languages

Work History

Corporate Credit Manager

Bank Al Habib
Multan
12.2022 - Current
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Compiled data critical to analysis of annual bad debt.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Work cross-functionally with sales, management and other departments to maintain effective operations.
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Referred delinquent accounts to collections department or outside resources.
  • Reviewed and analyzed loan procedures.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Developed strategies to expedite payments and customer resolutions.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.

Branch Operations Manager

Bank Al Habib
Multan
11.2016 - 12.2022
  • Maintained friendly and professional customer interactions.
  • Assessed employee performance and developed improvement plans.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Maintained branch files for major accounts, investments and employees.
  • Trained employees on proper procedures and strategies to improve productivity.
  • Set up and supervised cash shipments.
  • Implemented new organizational strategies to strengthen filing systems for billing, receiving and delivery reports to optimize processes.
  • Completed daily Bank Secrecy Act reports.
  • Performed monthly compliance checks.
  • Increased client and supplier satisfaction by solving complex issues with efficient resolutions.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
  • Engaged employees in business processes with positive motivational techniques.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
  • Boosted sales and customer loyalty through incentive programs.
  • Generated financial and operational reports to assist management with business strategy.
  • Examined customer loan applications for loan approvals and denials.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Forecasted trends and recommended improvements based on financial risk analyses.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Consulted customers to boost product sales and services.
  • Complied with regulatory guidelines and requirements.
  • Implemented service improvements to enhance sales cycle.
  • Resolved various issues impacting sales management and business operations.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Launched new training program to boost employee skills and staff retention rate.
  • Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.

Education

Master Of Business Administration - Marketing Management And Research

Gomal University
Punjab Pakistan
01.2019 - 09.2021

Skills

Proficient in [English]

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Certification

[Junior Associateship of IBP], [Institute of Bankers Pakistan]

Interests

Book Reading, Photography,movies

Timeline

Corporate Credit Manager

Bank Al Habib
12.2022 - Current

Certified [Manager Operations Certification Program], [Institute of Bankers Pakistan]

10-2022

[Junior Associateship of IBP], [Institute of Bankers Pakistan]

06-2019

Master Of Business Administration - Marketing Management And Research

Gomal University
01.2019 - 09.2021

Customers Handling

06-2018

Branch Operations Manager

Bank Al Habib
11.2016 - 12.2022
Ghazanfar ArshadCertified Banker