Summary
Overview
Work History
Education
Skills
ACHIEVEMENTS
Timeline
Generic
SYED AMIR IKHLAQ

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
Lahore
01.2009

Intermediation - Commerce

Board of Intermediate & Secondary Education Lahore
Lahore, Punjab, Pakistan
01.2007

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
SYED AMIR IKHLAQLOAN OPERATIONS & DOCUMENTATION SPECIALIST