SYED AMIR IKHLAQ
LOAN OPERATIONS & DOCUMENTATION SPECIALIST
Dubai
Summary
Dynamic banking professional with over 12 years of experience in retail banking, loan operations, and client relationship management. Expertise in end-to-end loan processing, including documentation for secured and unsecured loans, client profiling, and conditions precedent preparation. Proven track record in deposit mobilization, new-to-bank acquisition, and cross-selling financial products, demonstrating a commitment to driving business growth. Recognized for ensuring strict compliance with KYC/AML standards while delivering exceptional customer service and maintaining operational accuracy.
Overview
12
12
years of professional experience
3
3
Languages
Work History
LOAN OPERATIONS & DOCUMENTATION SPECIALIST
Finesse Pvt Ltd (Mashreq Bank - Outsourced)
08.2022 - Current
- Managed comprehensive loan processing including application review, KYC, financial assessment, and collateral verification.
- Coordinated internal credit/risk approvals and ensured compliance with policy and regulatory norms.
- Generated loan documentation for secured and unsecured loans, including sanction letters and disbursement terms.
- Conducted legal vetting, AML checks, and fulfilled all conditions precedent before disbursement.
- Facilitated fund disbursement (CAPEX/OPEX) and recorded collateral assignments.
- Monitored EMI setup, repayment schedules, and post-disbursement collateral performance.
- Liaised with Risk & Finance for ongoing reporting and compliance updates.
RELATIONSHIP MANAGER
JS Bank (Pvt.) Ltd
10.2018 - 10.2021
- To strengthen the customer relationship
- NTB acquisition
- Cross-selling, consumer financing
- To mobilize deposits & increase the number of accounts.
- To increase the deposit base of the branch through CASA generation.
- To penetrate the market for product and brand awareness.
- To cross-sell other products of the bank including consumer products.
- Account opening KYC Dormant activation
RELATIONSHIP MANAGER
United Bank Limited
12.2015 - 10.2018
- To achieve assigned business targets in line with the set bank’s objective.
- Deposit Mobilization through existing and NTB’s customers to increase branch business portfolio.
- To cross sell bank’s Retail / Consumer products & services.
- To sell Wealth Management products.
- To provide quality customer services in order to retain and increase the number of relationships.
- Networking with existing and potential clients.
- Periodically review the existing accounts of their clients to manage attrition of deposits and selling products.
RETAIL BANKING OFFICER / CASH HANDLING
United Bank Limited
10.2013 - 12.2015
- Responsible for the opening of bank accounts of the customers.
- Implementing the KYC policies. Responding to the SBP and Head Office. inquiries about the KYC issues of customers.
- Providing products information to the customers
- Verify that the Deposit Preparer has deposited all cash received.
- Reconcile redeposit forms to the supporting documentation and to the Transaction Detail Report (TDR).
- Supervise debit, credit or cash transactions, as well as other forms of payments within the bank
- Manage exchanges and returns, taking into account the bank’s procedures on such matters
Education
Bachelor in Commerce - Commerce
University of Punjab
Lahore01.2009
Intermediation - Commerce
Board of Intermediate & Secondary Education Lahore
Lahore, Punjab, Pakistan01.2007
Matriculation - Science
Board of Intermediate & Secondary Education Mirpur
01.2004
Skills
- End-to-End Loan Processing (Retail & SME)
- KYC/AML Compliance & Risk Assessment
- Credit Appraisal Support
- Legal & Compliance Vetting
- Loan & Security Documentation (Secured/Unsecured)
- Mortgage & Collateral Documentation
- Disbursement Processing & Memo Preparation
- Post-Disbursement Monitoring & Reporting
- Customer Relationship Management (CRM)
- NTB (New-to-Bank) Customer Acquisition
- Cross-Selling & Up-Selling Banking Products
ACHIEVEMENTS
- Substantial increase in portfolio
- Received award in mutual fund campaign
- Generated 60M in Two months (Nov & Dec) from existing and new relationships and surpassed Dec. 2017 targets.
- Surpassed December 2017 Target by 10M along with consumer targets
Timeline
LOAN OPERATIONS & DOCUMENTATION SPECIALIST
Finesse Pvt Ltd (Mashreq Bank - Outsourced)
08.2022 - Current
RELATIONSHIP MANAGER
JS Bank (Pvt.) Ltd
10.2018 - 10.2021
RELATIONSHIP MANAGER
United Bank Limited
12.2015 - 10.2018
RETAIL BANKING OFFICER / CASH HANDLING
United Bank Limited
10.2013 - 12.2015
Bachelor in Commerce - Commerce
University of Punjab
Intermediation - Commerce
Board of Intermediate & Secondary Education Lahore
Matriculation - Science
Board of Intermediate & Secondary Education Mirpur