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.
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.
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
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.
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.
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.
06.2006 - 12.2006
- Comprehensive 06 Months Banking Course successfully Completed.
Operations Officer
Bank Al Habib Ltd.
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 -
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