Sajjad Razzaq
Banker
Faisalabad, Punjab
Summary
Insightful Investment banker with several years of experience in high pressure environments, working to successfully analyze financial records and identify promising investment opportunities and potential problems. Superior skills in auditing and accounting and the ability to effectively manage customer relationships and provide beneficial investment services. To add value to the organization by surpassing the expected, promoting and maintaining the highest level of integrity and professionalism, in the accomplishment of my duties, goals and responsibilities.
Overview
11
11
years of professional experience
6
6
years of post-secondary education
Work History
Regional Recovery Manager
Habib Bank Limited HBL
09.2024 - Current
- Coordinated efforts across multiple departments to streamline recovery activities and promote efficient use of resources.
- Mentored junior team members to strengthen their skills, improving overall team performance in managing recoveries.
- Enhanced client satisfaction with timely updates on recovery progress and detailed reports on completed tasks.
- Contributed to the ongoing growth and development of the recovery management team by participating in recruitment, training, and performance evaluation initiatives.
Agriculture Finance Officer
Habib Bank Limited
04.2024 - 09.2024
- Developed and maintained strong relationships with local farmers, expanding the client base and increasing loan origination volume.
- Improved agricultural loan portfolio quality by conducting thorough financial analysis and risk assessment on potential clients.
- Evaluated the effectiveness of existing agricultural loan products periodically by gathering feedback from clients and adjusting offerings accordingly.
- Assessed clients'' repayment capacity using financial statements, cash flow projections, and credit history to ensure sound lending decisions.
Agriculture Finance Officer
Habib Bank Limited
10.2017 - 01.2024
- Achieving key performance targets and financial budgets set by BM and RAGM pertaining to solicitation of NTBs.
- Exploring new business opportunities through frequent field visits.
- Keeping Non-performing Loans at the accepted level.
- Prepare credit cases and follow banks laid down credit process till disbursement.
- Maintain good relationship and inform borrowers in advance for repayment date.
- Identified and addressed impediments to team progress and success, resulting in a smoother flow of work and improved team morale.
- Improved team morale and motivation through positive reinforcement and team building activities, resulting in improved team performance.
- Collaborated with accounting and finance teams to create monthly and quarterly financial reports.
Team Leader
Khushhali Microfinance Bank
04.2014 - 10.2017
- Identified and addressed impediments to team progress and success, resulting in a smoother flow of work and improved team morale.
- Provided technical leadership on agriculture across project activities.
- Budgeting and maintaining accurate financial records.
- Handling paperwork and keeping administrative records.
- Conducted follow-ups and apprise Branch Manager on the productivity achieved on the number of accounts introduced, calls per day and commitments fulfilled.
Education
LLB - Constitutional Law, Criminal Law, Law of Contract, Law of Equality and Specific, Jurisprudence
Bahauddin Zakariya University
01.2021 - 01.2024
M. Com - Accounting, Advanced Accounting, Cost Accounting
Bahauddin Zakariya University
01.2010 - 01.2012
B.com - Accounting, Advanced Accounting, Cost Accounting
University of the Punjab
01.2008 - 01.2009
Skills
- Communication Skills
- Microsoft Office
- Financial Planning
- Risk Assessment Skills
- Market Knowledge
- Knowledge of Banking Software
- Customer Service Skills
- Problem Solving Skills
Areas Of Interest
- Accounting
- Advanced Accounting
- Cost Accounting
- Intermediate Accounting
Training
- Certificate in Computer Application, Punjab Technical Board of Educational, 01/01/06, 06/30/06
- Anti-Money Laundering, HBL
- Anti-Bribery Training, HBL
- Channel Migration, HBL
- Operational Risk Management and Awareness, HBL
- Whistle-blowing Program E-learning, HBL
- Understanding and handling harassment at the workplace, HBL
Timeline
Regional Recovery Manager
Habib Bank Limited HBL
09.2024 - Current
Agriculture Finance Officer
Habib Bank Limited
04.2024 - 09.2024
LLB - Constitutional Law, Criminal Law, Law of Contract, Law of Equality and Specific, Jurisprudence
Bahauddin Zakariya University
01.2021 - 01.2024
Agriculture Finance Officer
Habib Bank Limited
10.2017 - 01.2024
Team Leader
Khushhali Microfinance Bank
04.2014 - 10.2017
M. Com - Accounting, Advanced Accounting, Cost Accounting
Bahauddin Zakariya University
01.2010 - 01.2012
B.com - Accounting, Advanced Accounting, Cost Accounting
University of the Punjab
01.2008 - 01.2009
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