Hi, I’m
SYED ARMAGHAN NISHAT
Lahore
Summary
Results-driven professional with strong background in accountancy and auditing, complemented by an MBA in marketing. Leveraging diverse skill set to efficiently apply knowledge and expertise to drive optimal outcomes for the organization. Focused on delivering effective solutions, committed to making a significant impact and contributing to the overall success of the company.
Overview
21
years of professional experience
1
Certification
Work History
ALLIED BANK LIMITED
Unit Head Assets - Commercial and Retail Group
09.2023 - Current
Job overview
- Leading a Team of RMs and Asset Staff to Market fresh leads for financing and processing of credit proposals which include Appraisal of the credit proposals, for fresh/ renewal/ enhancement of funded and non-funded facilities, for the consideration / approval of the sanctioning authority
- Scrutinizing the credit proposals received from branches/RM
- Regular MG-08/AVP
ALLIED BANK LIMITED
Associate Manager/Risk Analyst
06.2012 - 09.2023
Job overview
- Credit Analysis of credit applications received from regional offices for approval of funded and non-funded facilities, and providing decision on these for the consideration / approval of the sanctioning authority
- Identifying all types of risks and suggesting mitigating factors while ensuring the bank’s credit policies and SBP Regulations pertaining to lending
- Risk Management Group
- Regular MG-08/AVP
ALLIED BANK LIMITED
Documentation Officer
06.2010 - 06.2012
Job overview
- Scrutiny of Documents and issuing DAC (Disbursement Authorization Certificate)
- Processing agriculture credit cases
- Facilitating SAMG in suit filing and documentation processing
- MIS related assignments
- CAD (Credit Administration Department)
- Regular MG-10
HABIB BANK LIMITED
Documentation Officer
10.2006 - 06.2010
Job overview
- Checking and Processing Credit Applications/ Proposals with property documents and charge/legal documentation for Issuing ‘Availment Ticket’ or Objection Memos
- Maintaining Pledges and ensuring Pledge and Hypo inspections
- Checking and processing of Agricultural finance documents
- Product development of Islamic banking facilities and initiation process
- MIS reporting including monthly updates and MCR
- Established a Data Base for checking and monitoring of all limits of Lahore Region
- Input of Limits and attachment of Collaterals in system
- CAD (Credit Administration Department)
- Commercial Retail & Agri
- As Regular Grade-II (Assistant Manager-II)
NIB BANK LIMITED
Credit Administration Officer
05.2006 - 10.2006
Job overview
- Processing Credit Applications/ Proposals
- Input of Limits
- CAD (Credit Administration Department)
SAUDI PAK COMMERCIAL BANK LIMITED
Internal Auditor
09.2005 - 05.2006
Job overview
- Conducted Annual Comprehensive Audit of Lahore Region branches including Main branch, Allama Iqbal Town, Peco Road , Defence and Badami Bagh Lahore branches
- Audit (September 2004 – May 2006) as Regular Grade-III
SAUDI PAK COMMERCIAL BANK LIMITED
Resident Auditor
10.2004 - 09.2005
Job overview
- Conducted Annual Comprehensive Audit of Lahore Region branches including Main branch, Allama Iqbal Town, Peco Road , Defence and Badami Bagh Lahore branches
- Audit (September 2004 – May 2006) as Regular Grade-III
Education
IBA (Institute of Business Administration) Punjab University
Master in Business Administration (MBA) from Majors in Marketing
Chartered Institute of Management Accountant
CIMA U.K. from Foundation Stage
Government CollegeLahore, Punjab, Pakistan
Bachelor of Science from BSc. (Mathematics, Statistics, Physics)
12-1997
Skills
- Currently working on LOS (Loan Originating System) or RAMS (Risk Assessment & Management system) to conduct Credit Analysis/processing of lending documents for recommendation/approval
- Worked on Teminos (T-24) nd CMS (Credit Management system) for limit feeding and monitoring
- Worked on MYSIS KAPITI core banking system Which includes Input and checking of limits, collateral input, maintenance and attachment in HBL
- Worked on PIBUS Plus (Input of Limits) in NIB Bank
- Worked on BANK SMART System in Front Office, Remittance Smart, Car Smart, TDR and Online Module at Saudi Pak Bank
- Diploma in Windows Application and 90 hours of CCPT (completion of Computer Practical Training) Compulsory to sit in the ICAP examination, from Pakistan Finance College The course include: MS Word, MS Excel, MS PowerPoint, MS DOS, MS Access, Internet
References
Will be furnish on demand
Accomplishments
- Qualified the test of Punjab Public Service Commission for the post of ‘Assistant’ in Punjab S&GAD
- Passed the test of ‘Audit Officer’ held under the Federal Public Service Commission.
Certification
DigiSkills Training Program- An Online training program of Government of Pakistan (Freelancing, Digital Marketing, Content Writing, Web Development, E-Commerce)
Languages
English
Advanced (C1)
Urdu
Bilingual or Proficient (C2)
Punjabi
Upper intermediate (B2)
Timeline
Unit Head Assets - Commercial and Retail Group
ALLIED BANK LIMITED
09.2023 - Current
Associate Manager/Risk Analyst
ALLIED BANK LIMITED
06.2012 - 09.2023
Documentation Officer
ALLIED BANK LIMITED
06.2010 - 06.2012
Documentation Officer
HABIB BANK LIMITED
10.2006 - 06.2010
Credit Administration Officer
NIB BANK LIMITED
05.2006 - 10.2006
Internal Auditor
SAUDI PAK COMMERCIAL BANK LIMITED
09.2005 - 05.2006
Resident Auditor
SAUDI PAK COMMERCIAL BANK LIMITED
10.2004 - 09.2005
Chartered Institute of Management Accountant
CIMA U.K. from Foundation Stage
IBA (Institute of Business Administration) Punjab University
Master in Business Administration (MBA) from Majors in Marketing
Government College
Bachelor of Science from BSc. (Mathematics, Statistics, Physics)
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