Current Affairs
HUSSAIN AHMAD MADNI
Banking Professional
Rahim Yar Khan, Pakistan,Punjab
Summary
Regional Team Lead (Credit/Risk Management) eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of credit/risk management and training in customer verification checks. Motivated to learn, grow and excel in banking industry. Team Leader experienced in directing activities of workgroups. Develops strategies, provides training, sets goals and obtains team feedback. Excellent interpersonal and communication skills. Big picture focus with excellence in communicating goals and vision to succeed. Problem solver, networker and consensus builder.
Overview
10
10
years of professional experience
2
2
years of post-secondary education
2
2
Languages
Work History
Regional Credit Team Lead
Mobilink Microfinance Bank
Rahim Yar Khan, Pakistan , Pakistan
05.2021 - Current
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Worked within applicable standards, policies and regulatory guidelines to promote safe working environment.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Learned new skills and applied to daily tasks to improve efficiency and productivity.
- Participated in team-building activities to enhance working relationships.
- Developed team communications and information for meetings.
- Identified issues, analyzed information and provided solutions to problems.
- Exceeded goals through effective task prioritization and great work ethic.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Participated in team-building activities to enhance working relationships
- Used coordination and planning skills to achieve results according to schedule
- Worked flexible hours across night, weekend and holiday shifts
- Proved successful working within tight deadlines and fast-paced atmosphere
(Credit) Verification Officer
Mobilink Microfinance Bank
Rahim Yar Khan, Pakistan , Pakistan
06.2015 - 05.2021
- To ensure that valid and accurate data input is made in credit MIS from source documents related to cash flow & Loan applications.
- To ensure that each loan application is in compliance with Credit Policy & Procedures and other guidelines.
- Ensure to forward cases to CCU (Credit Control Unit) on daily basis.
- CIR Report review.
- Gold Smith verification on quarterly basis.
- Visit reverification of watch list account DPD 5 to 90 days.
- Ensure verification as per applicable approved policy to verify credit worthiness, reputation and repayment capacity of the applicant and guarantor.
- Ensuring existence of borrower and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants / guarantor.
- Assess whether borrowers and guarantor know & understand important loan terms, repayment amounts, due date of repayments and guarantee concept and their obligations in case of non-payment.
- To identify any severe nature non-compliance during verifications & initiating loan application cancellation to Head Office.
- Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines.
- Maintain related records /data / information, etc as per defined procedures.
- Maintain & secure Credit MIS / files from unauthorized access, programs.
- Coordinate & align activities with branch management to cope with seasonal business fluctuations & credit cases flow.
Ensure following defined turnaround times for each activity to better client service. - Participated in team-building activities to enhance working relationships
- Used critical thinking to break down problems, evaluate solutions and make decisions
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately
- Identified issues, analyzed information and provided solutions to problems
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution
Quality Assurance Officer/Field Compliance Officer
Waseela Microfinance Bank
Rahim Yar Khan, Pakistan , Pakistan
12.2014 - 06.2015
- Preparation of field agent monitoring plans and ensure implementation of same within given time lines by planning and performing visits to Branchless banking agents to evaluate compliance to the applicable policies & procedures.
- Maintain compliance related MIS and ensure effective record keeping of compliance related issues.
- To assist in conducting Compliance review of branchless banking operations/core banking operations of the bank in line with Regulatory & Procedural Requirements and ensuring that compliance to all requirements of KYC/CDD/EDD are fulfilled and highlight issues or concerns discovered during the course of compliance review.
- Ensure compliance to SBP regulations, MMBL policies & procedures regarding Branchless Banking operations/Banking Operations.
- Check on sample basis data and record with branchless banking agents, Business Units to ensure efficacy of controls, operations and records.
- Assist Manager compliance with review of High Risk Relationships on periodic basis by and ensuring that Enhanced Due Diligence requirements are completed and taking note of background of customer, country of origin and source of funds and other risk factors and report to Manager Compliance accordingly.
- Monitor and follow up with branches/head office units for updation of KYC records and ensure that existing Customers KYC forms are exactly and timely updated in accordance with the requirement of the bank’s policies and Procedures.
- Report to Manager Compliance any non-compliance at branchless banking agents, branches in form of periodical reports.
- To Assist Manager compliance with submission of Regulatory Reports to SBP.
- To provide periodic guidance to BB Agents, Business Units on AML/CFT and SBP Regulations.
- Conducted investigations into questionable test results
MIS Manager
Heritage International College
Rahim Yar Khan, Pakistan
02.2012 - 09.2014
- Responsible for development and maintenance of Organizational Network and Databases.
- Ensure Stable Operation of Organization's Network and Databases.
- Implementation of Software and Security Updates.
- Troubleshoot and Fix IT Issues.
- Manage IT Staff
- Analyzed network security and current infrastructure to assess areas in need of improvement and develop solutions
- Identified computer hardware and network system issues, performing troubleshooting techniques for remediation
- Demonstrated respect, friendliness and willingness to help wherever needed
Education
Master of Science - Computer Science
University of South Asia
Lahore, Pakistan 09.2011 - 06.2013
Skills
Microsoft Office
Risk Management
Credit Verification
Regulatory Compliance
Credit Management
Field Compliance
Mortgage of Land/Property
Team Management
Evaluation of Team Performance
Team Supervision
Corporate Policies Implementation
Time Management
Multitasking
Quick Learner
Individual & Team Reporting
Interests
Snooker
Reading
Keep Myself Up-to-date With Work Related Market Trends
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Regional Credit Team Lead
Mobilink Microfinance Bank
05.2021 - Current
(Credit) Verification Officer
Mobilink Microfinance Bank
06.2015 - 05.2021
Quality Assurance Officer/Field Compliance Officer
Waseela Microfinance Bank
12.2014 - 06.2015
MIS Manager
Heritage International College
02.2012 - 09.2014
Master of Science - Computer Science
University of South Asia
09.2011 - 06.2013