Muhammad Zeshan Ali
Muhallah Haji Gagan Kasur
Summary
To serve in a progressive organization in a challenging work environment, offering job satisfaction and a vast opportunity for career development based purely upon achievement and results. 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.
Overview
3
3
years of professional experience
Work History
Credit Adminstration officer
Khushhali Bank Limited
12.2022 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Operation Manager(Backup)
Khushhali Microfinance Bank
12.2022 - Current
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Developed systems and procedures to improve operational quality and team efficiency.
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Developed and maintained relationships with external vendors and suppliers.
- Identified and resolved unauthorized, unsafe, or ineffective practices.
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Increased profit by streamlining operations.
- Interacted well with customers to build connections and nurture relationships.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
Customer services officer
Khushhali Bank Limited
06.2022 - 12.2023
- Described product and service details to customers to provide information on benefits and advantages.
- Explained online self-help options to customers to promote additional and after-hours support choices.
- Developed working relationships with internal and external customers while assisting with account management duties.
- Provided company information and policies to customers upon inquiry and answered questions via phone, email, or online chat.
- Analyzed customer feedback and identified areas for improvement, leading to increased customer retention.
- Resolved escalated customer service disputes and complaints, leading to increased customer satisfaction.
- Built strong relationships with field operations team to support business development opportunities and improve service.
- Managed customer service effectiveness by monitoring performance and assessing metrics.
cash officer
Khushhali Bank Limited
03.2021 - 06.2022
- Produced monthly departmental headcount reports and analysis to compare actual budget and prior year results.
- Oversaw liquidity and cash management operations.
- Collaborated with corporate finance team members to support quarterly external reporting.
- Identified gaps in market to spot opportunities to create value propositions.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Developed strategic plans for day-to-day financial operations.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Complied with established internal controls and policies.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Utilized financial software to prepare consolidated financial statements.
Education
Post Graduation(BBA) - Accounting And Business Management
Punjab university
Lahore2022
B.Com - IT
University of Punjab
Kasur 2020
Intermediate Of Commerce - Accounting And Business Management
B.I.S.E Lahore
Kasur 2018
Matriculation - Science
B.I.S.E Lahore
Kasur 2018
Skills
- COMPUTER SKILLS:
- Computer Skills:
- MS-Word, MS-Excel, Good browsing skill on Internet & doing Emails on daily basis to the concerns
- Operating System: Microsoft Windows XP/7 professional
- Hardware & Software Installation
- Personal Skills: Strong Interpersonal and communication Skills
- Market Condition Analysis
- Creative Solutions
- Excellent Team Leadership
- Document Evaluation
- Bank Security Expertise
- Cash Register Operations
Additional Information
- Prepared Sales & target achievement report of all Franchise. Prepared all distributors’ liquid loan limit & dues report. Prepared Daily Cash \ Bank Debit Vouchers. Prepared Monthly sale & cost policy. Adjust monthly distributors claim.. Feeding monthly target of All Distributors. Handles, Incoming and outgoing mails & Emails. Prepared Letter of Credit. Handling Cash counter and ATM machine. Risk management. Risk assessment and evaluation of risk class. CMD management. Prepared daily transaction of list.
Languages
Urdu
Bilingual or Proficient (C2)
English
Upper intermediate (B2)
Timeline
Credit Adminstration officer
Khushhali Bank Limited
12.2022 - Current
Operation Manager(Backup)
Khushhali Microfinance Bank
12.2022 - Current
Customer services officer
Khushhali Bank Limited
06.2022 - 12.2023
cash officer
Khushhali Bank Limited
03.2021 - 06.2022
Post Graduation(BBA) - Accounting And Business Management
Punjab university
B.Com - IT
University of Punjab
Intermediate Of Commerce - Accounting And Business Management
B.I.S.E Lahore
Matriculation - Science
B.I.S.E Lahore
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