Summary
Overview
Work History
Education
Skills
Software
Certification
Interests
Reading, Writing, Travelling
Work Availability
Timeline
SoftwareEngineer
Khuzaima Hina  Chohan

Khuzaima Hina Chohan

Software Engineer
Karachi

Summary

Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Knowledgeable financial professional experienced in assessing credit viability for [Type] borrowers. Good organizational and critical thinking skills. Offering [Number] years of related experience. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability. Trained in [Software] use and administration with knowledge of [Area of expertise]. Dedicated to excellent customer service and best-in-class collaboration. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level [Job Title] 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

8
8
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
2
2
Languages

Work History

Credit Officer -Risk Management Consumer

BankIslami Pakistan Limited
Karachi
11.2020 - Current
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Checked appraisals, title information and insurance documents for each property.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
  • Organized and finalized loan applications for underwriter review.
  • Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Managed account data and verified information with clients, past creditors and other involved parties.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Prepared reports of findings and recommendations.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Kept records of customers' charges and payments.
  • Monitored client abilities and account information to determine appropriate credit approval decisions.
  • 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.

Secretary - Group Head Consumer Banking

BankIslami Pakistan Limited - Head Office
Karachi
11.2020 - 02.2022
  • Scheduled appointments and conducted follow-up calls to clients.
  • Maintained office supplies inventory by checking stock and ordering new supplies.
  • Provided clerical support to company employees by copying, faxing, and filing documents.
  • Handled daily scheduling tasks and provided administrative support for entire department.
  • Responded to emails and other correspondence to facilitate communication and enhance business processes.
  • Answered multi-line phone system and enthusiastically greeted callers.
  • Composed inter-office correspondence and provided product and service information to customers.
  • Booked airfare, hotel, and ground transportation to coordinate office travel.
  • Maintained electronic filing systems and categorized documents.
  • Updated spreadsheets and databases to track, analyze, and report on performance and sales data.
  • Screened visitors and issued badges to maintain safety and security.
  • Maintained daily report documents, memos and invoices.
  • Offered technical support and troubleshot issues to enhance office productivity.
  • Created and updated records and files to maintain document compliance.
  • Drafted agendas, recorded minutes and generated documents to facilitate meetings.
  • Recorded and tracked operational expenses to identify and eliminate wasteful spending.
  • Entered data into system and updated customer contacts with information to keep records current.
  • Built and maintained excellent customer relationships through timely response to inquiries and going above and beyond to accommodate unusual requests.
  • Increased office participation in special events by creating newsletter with detailed calendars and other office updates.
  • Assisted coworkers and staff members with special tasks on daily basis.
  • Facilitated timely delivery of special projects to meet organizational and departmental objectives.
  • Recorded new hires, transfers, terminations, changes in job classifications and merit increases to main human resources files.
  • Managed paper and electronic filing systems by routing various documents, taking messages and managing incoming and outgoing mail.
  • Liaised between clients and vendors and maintained effective lines of communication.
  • Managed phone and email correspondence and handled incoming and outgoing mail and faxes.
  • Interacted with vendors, contractors and professional services personnel to receive orders, direct activities, and communicate instructions.
  • Organized logistics and materials for each meeting and took detailed notes for later dissemination to key stakeholders.
  • Identified and recommended changes to existing processes to improve accuracy, efficiency, and quality service.
  • Transcribed and organized information to assist in preparing speeches and presentations.
  • Established administrative work procedures to track staff's daily tasks.
  • Opened and properly distributed incoming mail to promote quicker response to client inquiries.
  • Managed filing system, entered data and completed other clerical tasks.
  • Performed research to collect and record industry data.
  • Supported company leaders by managing budgets, scheduling appointments and organizing itinerary.
  • Surpassed team goals by partnering with colleagues to implement best practices and protocols.
  • Continually sought methods for improving daily operations, communications with clients, recordkeeping and data entry for increased efficiency.
  • Volunteered to help with special projects of varying degrees of complexity.
  • Completed forms, reports, logs and records to quickly handle all documentation for human resources.

Business Sales Executive

JUBILEE LIFE INSURANCE
Karachi
10.2018 - 10.2020
  • Calculated sales commission for sales team of [Number] representatives.
  • Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.
  • Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
  • Presented professional image consistent with company's brand values.
  • Built diverse and consistent sales portfolio.
  • Trained new employees on customer service, money handling and organizing strategies.
  • Maintained current knowledge of evolving changes in marketplace.
  • Collaborated with managers to provide customer feedback and recommend operational changes to meet emerging trends.
  • Recorded accurate and efficient records in customer database.
  • Contributed to team objectives in fast-paced environment.
  • Monitored service after sale and implemented quick and effective problem resolutions.
  • Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
  • Attended monthly sales meetings and quarterly sales trainings.
  • Developed, maintained and utilized diverse client base.

IT AND PROJECT MANAGER

QAMAR CONSULTING-TRAINING FIRM
Karachi
01.2017 - 10.2018
  • Identified plans and resources required to meet project goals and objectives.
  • Achieved project deadlines by coordinating with contractors to manage performance.
  • Managed projects from procurement to commission.
  • Developed and initiated projects, managed costs, and monitored performance.
  • Planned, designed, and scheduled phases for large projects.
  • Provided detailed technical and operational direction in project challenges, consistently meeting deliverables according to deadlines.
  • Drafted project reports to identify successful outcomes, insights and future recommendations.
  • Met project deadlines without sacrificing build quality or workplace safety.
  • Monitored project performance to identify areas of improvement and make adjustments.
  • Developed and implemented strategic project plans to meet business objectives.
  • Prepared and submitted project invoices for review and approval.
  • Coordinated with cross-functional teams to resolve project issues and mitigate risks.
  • Scheduled and facilitated meetings between project stakeholders to discuss deliverables, schedules and conflicts.
  • Recruited and oversaw personnel to achieve performance and quality targets.
  • Analyzed project performance data to identify areas of improvement.
  • Monitored project progress, identified risks and took corrective action as needed.
  • Developed and implemented project plans and budgets to ensure successful execution.
  • Facilitated workshops to collect project requirements and user feedback.
  • Sourced, vetted and managed vendors needed to accomplish project goals.
  • Maintained open communication by presenting regular updates on project status to customers.

IT TEACHER & IT ANALYST

THE SMART SCHOOL
Karachi
01.2016 - 01.2017
  • Delivered engaging curriculum through diverse methods of classroom instruction, computer lab activities and online learning systems.
  • Assessed, documented and reported on student progress for [Type] computer class.
  • Presented research at conferences to promote university reputation and contribute to understanding of [Type] industry.
  • Attended faculty meetings and professional development opportunities to stay abreast of current teaching strategies and content knowledge related to [Software].
  • Compiled reading lists and other relevant assignments to bolster student understanding of class concepts.
  • Delivered clear, effective feedback to improve quality and efficiency of student-written computer programs.
  • Composed course syllabus to clearly outline curriculum, expectations and deadlines at beginning of [Type] course.
  • Compiled, administered and graded examinations or assigned work to others.
  • Attended professional development technology courses to increase knowledge base and learn new information.
  • Developed accurate course description and select high-quality learning materials to maintain consistency across different course sections.
  • Implemented instructional accommodations as required to maintain compliance with ADA requirements.
  • Created clear, engaging lessons to draw interest and develop students' to program in [Software].
  • Conducted and published [Type] research to build shared knowledge base and boost school reputation for scholarship.
  • Set up computers and networking systems and delivered step-by-step instructions on basic use.
  • Designed classes on [Software] for [Type] students.
  • Paid attention to detail while completing assignments.
  • Planned and implemented curriculum to teach up-to-date technology to [Number] students.
  • Demonstrated leadership skills in managing projects from concept to completion.
  • Met with students outside of class to answer questions, explain difficult concepts and address individual concerns.
  • Facilitated computer lab of [Number] people from [Type] to [Type] computer use and designed appropriate and specialized lesson plans.

IT TEACHER & IT ANALYST

The Educators
Karachi
01.2015 - 01.2016
  • Delivered engaging curriculum through diverse methods of classroom instruction, computer lab activities and online learning systems.
  • Assessed, documented and reported on student progress for [Type] computer class.
  • Presented research at conferences to promote university reputation and contribute to understanding of [Type] industry.
  • Attended faculty meetings and professional development opportunities to stay abreast of current teaching strategies and content knowledge related to [Software].
  • Attended professional development technology courses to increase knowledge base and learn new information.
  • Designed classes on [Software] for [Type] students.

Education

Bachelor of Science - Software Engineering

ILMA University
Karachi
03.2014 - 12.2017

High School Diploma -

PAF Government Girls Govt College
Karachi
01.2011 - 01.2012

Skills

Risk management skills

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Software

Graphic Designing

Content writing

SEO

Digital Marketing

MS Office

Certification

Training - Concepts of Islamic Banking

Interests

Travelling

Reading

Reading, Writing, Travelling

Knowledgeable and thorough information technology with superior attention to detail. Driven and self- motivated, and therefore effective at completing task with minimal supervision. Confident Leader and Knowledgeable and thorough information technology with superior attention to detail. Driven and self- motivated, and therefore effective at completing task with minimal supervision. Confident Leader and enthusiastic communicator.


Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Certificate of Appreciation in 1.8 Billion Closing of MPMG Scheme Pakistan (Home Finance Facility Program)

06-2022

Training - Concepts of Islamic Banking

01-2021

Credit Officer -Risk Management Consumer

BankIslami Pakistan Limited
11.2020 - Current

Secretary - Group Head Consumer Banking

BankIslami Pakistan Limited - Head Office
11.2020 - 02.2022

Business Sales Executive

JUBILEE LIFE INSURANCE
10.2018 - 10.2020

IT AND PROJECT MANAGER

QAMAR CONSULTING-TRAINING FIRM
01.2017 - 10.2018

IT TEACHER & IT ANALYST

THE SMART SCHOOL
01.2016 - 01.2017

IT TEACHER & IT ANALYST

The Educators
01.2015 - 01.2016

Bachelor of Science - Software Engineering

ILMA University
03.2014 - 12.2017

High School Diploma -

PAF Government Girls Govt College
01.2011 - 01.2012
Khuzaima Hina Chohan Software Engineer