Microsoft Office
Muhammad Maqsood Khan
Branch Banker & Credit Risk Professional
Apartment # 505, Block # 2, 5th Floor, Saima Presidency, Race Course Rd, Gulistan-e-Johar, Karachi,
Summary
Having almost 21 years of diversified work experience in banking industry, served as Unit Head Credit Risk (Corporate & SME) and Bank Manager in Corporate and Retail Banking Branches. Talented professional having expertise in service marketing and credit offerings and effective at keeping customer financing in line with bank and legal guidelines through systematic assessments of security values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability.
Overview
21
21
years of professional experience
2
2
Languages
Work History
BRANCH MANAGER
DUBAI ISLAMIC BANK PAKISTAN LTD
01.2020 - Current
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Assessed employee performance and developed improvement plans
- Maintained friendly and professional customer interactions.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Generated cross business and meeting disbursements targets.
- Resolved various administrative issues impacting sales management and business operations.
ACTING BRANCH MANAGER
BANKISLAMI PAKISTAN LTD
08.2015 - 01.2020
- Met deadlines by proactively managing individual and team tasks and streamlining processes
- Achieved of periodic liabilities and asset sales targets and branch steady growth
- Maintained good long-term relationship with customers for retention, repeat business and referrals
- Maintained harmony, team work within staff to have excellent working environment
- Developed cross sell business and monitored sales performance of staff
- Submitted credit proposals of corporate clients for funded and non fund based lending to Head Office
- Reviewed financial statements before sending credit proposal to approval authority
- Complied with regulatory guidelines and requirements
- Engaged employees in business processes with positive motivational techniques
UNIT HEAD CORPORATE & SME CREDIT RISK
BANKISLAMI PAKISTAN LTD
07.2008 - 08.2015
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Adhered to banking standards and State Banks' lending guidelines for financing services.
- Analyzed credit risk rating to determine borrowers' creditworthiness.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Interacted with business units & provide support functions to Internal Audit, External Audit & State Bank's Auditors.
- Prepared and monitored accounts' performance through monthly portfolio control reports of various sectors for review of Management Credit Committee.
- Performed annual account credit limit reviews and credit increase review requests from corporate branches.
- Reduced past due balances and bad debt by coordinating collection efforts with corporate branches.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
ASSISTANT MANAGER CREDIT & MARKETING
FIRST DAWOOD INVESTMENT BANK LTD.
01.2003 - 07.2008
- Identified and approached both corporate and SME customers to sell company's financial products in view of their financial needs.
- Analyzed customers on basis of industry trend, credit history with other financial institutions, financial analysis and credit reports etc.
- Managed leased assets portfolio by monitoring repayment track record and develop fresh need of customer for lease financing.
- Ensured timely repayments of customers and monitoring watch list customers.
Education
MBA - Finance
IQRA University
Karachi, Sindh, Pakistan. 04.2001 -
Bachelor of Commerce -
University of Karachi.
Karachi, Sindh, Pakistan 04.2001 -
Skills
Relationship Building
Business Development Expertise
Interviewing and Hiring
Credit Proposal Writing
Regulatory Compliance
Team Supervision
Financial Statements Expertise
High Risk Account Reviews
Credit Analysis
Industry Standards
Credit Risk
Timeline
BRANCH MANAGER
DUBAI ISLAMIC BANK PAKISTAN LTD
01.2020 - Current
ACTING BRANCH MANAGER
BANKISLAMI PAKISTAN LTD
08.2015 - 01.2020
UNIT HEAD CORPORATE & SME CREDIT RISK
BANKISLAMI PAKISTAN LTD
07.2008 - 08.2015
ASSISTANT MANAGER CREDIT & MARKETING
FIRST DAWOOD INVESTMENT BANK LTD.
01.2003 - 07.2008
MBA - Finance
IQRA University
04.2001 -
Bachelor of Commerce -
University of Karachi.
04.2001 -
Accomplishments
In my previous role engaged in Corporate / Investment banking transactions. Some of those include:
- FatimaFert Limited: A syndicated arrangement managed by Meezan Bank Limited of Rs. 4.4 Billion in 2015.
- Played major part in conversion of KASB Securities Demand Finance facility into Islamic Mode of Finance during October 2015.
- Due Diligence of merger transaction with KASB Bank: Represented BankIslami from Credit Risk to conduct due diligence of KASB's Portfolio.
Software
Trainings and Seminars
- Analysis & Interpretation of Financial Statements for Lending Decisions
Training program organized by "The Institute of Bankers of Pakistan")
- Credit Analysis
(Workshop organized by "Leasing Association of Pakistan")
Personal Information
- Date of Birth: 10/24/1974
- Nationality: Pakistani
- Marital Status: Married