Microsoft Excel
Kashif Imran Khan
Banker
Peshawar, Khyber Pakhtunkhwa
Summary
A seasoned professional from Bank Al Habib Ltd., with 19 years experience, I excel in credit risk management and relationship building, significantly enhancing loan processing efficiency and client satisfaction. My expertise in financial analysis and problem-solving led to a marked decrease in credit risk, fostering robust, profitable client partnerships.
Overview
19
19
years of professional experience
2
2
Certifications
Work History
Credit Risk Manager
Bank Al Habib Ltd.
Peshawar
09.2023 - Current
- Collaborated with cross-functional teams to establish effective risk management policies and procedures.
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Ensured compliance with regulatory requirements by staying up-to-date on industry changes and adjusting practices accordingly.
- Provided expert advice during negotiations with borrowers experiencing financial difficulties, working towards mutually beneficial resolutions that minimized losses.
- Adhered to banking standards and government lending guidelines for loan services.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Conducted ongoing reviews to monitor portfolio performance and identify strong and weak areas.
- Reduced credit risk by implementing robust assessment strategies and monitoring credit exposure.
Relationship Manager
Bank Al Habib Ltd.
Peshawar, Khyber Pakhtunkhwa, Pakistan
10.2014 - 08.2023
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
- Participated in staff meetings to discuss innovative strategies to improve services.
- Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
Branch Manager
Bank Al Habib Ltd.
Peshawar, Khyber Pakhtunkhwa, Pakistan
03.2013 - 10.2014
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Consulted customers to boost product sales and services.
Operations Manager
Bank Al Habib Ltd.
Peshawar, Khyber Pakhtunkhwa, Pakistan
07.2010 - 03.2013
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Developed and implemented strategies to maximize customer satisfaction.
- Increased profit by streamlining operations.
Credit Officer
Bank Al Habib Ltd.
Peshawar, Khyber Pakhtunkhwa, Pakistan
01.2007 - 07.2010
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
Management Trainee Officer
Bank Al Habib Ltd.
Karachi, Sindh, Pakistan
06.2006 - 12.2006
- Comprehensive 06 Months Banking Course successfully Completed.
Operations Officer
Bank Al Habib Ltd.
Peshawar, Khyber Pakhtunkhwa, Pakistan
01.2006 - 06.2006
- During my start of Banking Career, I have worked in various departments of Bank which includes Account opening, Remittances, Cheque Clearing, ATM Operations.
- Liaised between departments including HR, IT and Finance ensuring smooth communication and collaboration.
- Optimized business processes to foster operational efficiency.
Education
MBA - Finance
Institue of Business & Management Sciences (IBMS)
Peshawar, Khyber Pakhtunkhwa, Pakistan 04.2001 -
Bachelor of Arts - Statistics, Economics
PAF Degree College
Peshawar, Khyber Pakhtunkhwa, Pakistan 04.2001 -
Higher Secondary School Certificate - Statistics, Economics
PAF Degree College Peshawar
Peshawar 04.2001 -
Secondary School Certificate - Science Education
Shaheen Inter College
Kamra, Punjab, Pakistan 04.2001 -
Skills
Relationship management
Credit analysis
Borrower evaluation
Loan recommendations
Collateral risk
Problem-solving
Multitasking
Financial statement analysis
Credit risk
Microsoft Office Suite
Reliability
Credit risk management
Credit risk assessment
Software
Certification
OMEGA
Playing cricket
I Love to Play Cricket since Childhood. Currently I am the Captain of Bank Al Habib Ltd. KPK Zone
Timeline
Various Banking Courses relating to Prudential Regulations, Banking Operations, Credit Managment, Risk Management
12-2024
Credit Risk Manager
Bank Al Habib Ltd.
09.2023 - Current
OMEGA
06-2016
Relationship Manager
Bank Al Habib Ltd.
10.2014 - 08.2023
Branch Manager
Bank Al Habib Ltd.
03.2013 - 10.2014
Operations Manager
Bank Al Habib Ltd.
07.2010 - 03.2013
Credit Officer
Bank Al Habib Ltd.
01.2007 - 07.2010
Management Trainee Officer
Bank Al Habib Ltd.
06.2006 - 12.2006
Operations Officer
Bank Al Habib Ltd.
01.2006 - 06.2006
MBA - Finance
Institue of Business & Management Sciences (IBMS)
04.2001 -
Bachelor of Arts - Statistics, Economics
PAF Degree College
04.2001 -
Higher Secondary School Certificate - Statistics, Economics
PAF Degree College Peshawar
04.2001 -
Secondary School Certificate - Science Education
Shaheen Inter College
04.2001 -