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Zubair Arif
Banker
Lahore, Pakistan
Summary
Career banker having strong experience and proven track record spanning over 17 years in the areas of Corporate, commercial and Islamic Banking, Credit and Risk Management along with expertise of banking policy, credit assessment and analytical skills. I an someone who knows how to set goals and achieve them.
Multi-tasking Team Leader well-known for executing successful, new initiatives. Creates dynamic and positive workplace culture to align with organizational mission and values. Trains new hires and mentors struggling workers to achieve overall team success.
Overview
17
17
years of professional experience
9
9
years of post-secondary education
1
1
Certification
Work History
Team Leader
Bank AlHabib Ltd
Lahore
02.2022 - Current
- Managing a team of relationship managers, relationship officers and Branch Managers
- Develop a comprehensive risk profile information pack providing details of bank wide risk exposures (portfolio concentration, geographic concentration, past due analysis, measuring performance against approved benchmarks of Risk Appetite) for management.
- Offering working capital, trade finance, structured, syndicate, debt capital market and other loans to prospective clients.
- Analysis of Risks associated with the credit proposals
- Evaluate and perform in-depth and independent credit analysis recommending new credits, renewals and modifications
- Proactively monitoring and visiting clients to conduct independent review of credit quality, client risk/exposure, and risk ratings to ensure compliance with terms and conditions
- Planning successful marketing strategies from credit perspective for making relationships stickier and greater yields
- Maintains and exercises control over allotted RM portfolios to ensure that services to our customers are of the highest standard
- Ensures that all administration associated with the team portfolio is done accurately in accordance with laid down procedures and on a timely basis
- Undertaking regular inspection of assets and documents which represent security for the Bank
- Preparation of all management reports / memos relating to credit approvals, excesses, extensions, Early Business Alerts, Early Alerts, etc
- To ensure all controls are complied with at all times
- Attend to referrals / exceptional transactions and obtain required approvals to ensure smooth flow of transaction, while ensuring that risks associated with transaction / client are adequately mitigated.
Credit Hub Manager
Meezan Bank Ltd
Lahore
07.2015 - 01.2022
- Corporate, Commercial and SME
- Largest Credit Hub (Corporate and Commercial) of the Region
- Handled a credit Portfolio of Rs.13.000 B
- Trade Business of the Hub was Rs.33.00B
- Fund based advances of the Branch were Rs 8.500 B.
Relationship Manager
Habib Metropolitan Bank Ltd, Subsidiary Of Habib Bank AG Zurich
Lahore
11.2010 - 07.2015
- Largest Business Branch (Commercial & SME) of the Area
- Handled a credit Portfolio of Rs. 6.000 B
- Trade Business of the Branch was Rs.18.00B.
- Total Portfolio of the Branch was Rs. 9.800 B.
- Fund based advances of the Branch were Rs.3.500 B.
Portfolio Management Officer
Nib Bank Ltd
Lahore
12.2007 - 10.2010
- Sales and Marketing of Asset products
- Successfully handled Credit Portfolio of Rs.3.500B
- Portfolio entailed commercial clients from different industries such as steel, chemicals, construction znd commodities.
Credit Incharge
Allied Bank Ltd
Lahore
01.2006 - 12.2007
Education
Matric - Science Education
Lahore Board of Intermediate & Secondary Education
Lahore, Pakistan 08.1994 - 07.1997
Intermediate - Arts
Board of Intermediate &Secondary Education
Lahore, Pakistan 08.1998 - 07.2000
B.Com - Commerce
University of The Punjab
Lahore, Pakistan 09.2000 - 07.2002
M.B.I.T - Finance
University of The Punjab
Lahore, Pakistan 09.2002 - 05.2005
Skills
COMPUTER SKILLSundefined
Affiliations
Junior Associate Institute of Bankers Pakistan.
3 Days financial analysis training conducted by Pacra Analytics.
Two days training on Financial Analysis held at Allied Bank Ltd Training Academy.
16-week extensive professional course on Banking held at Allied Bank Ltd Training Academy (Management Trainee Officer, MTO).
Accomplishments
Rated best credit resource in the area in year 2016 by Meezan Bank.
Awarded shield for generating highest variance in trade targets by Meezan Bank.
Awarded shield for showing outstanding performance in Commercial and SME business growth in year 2017.
Certification
Junior Associate, Institute of Bankers Pakistan
Interests
Timeline
Team Leader
Bank AlHabib Ltd
02.2022 - Current
Credit Hub Manager
Meezan Bank Ltd
07.2015 - 01.2022
Junior Associate, Institute of Bankers Pakistan
03-2014
Relationship Manager
Habib Metropolitan Bank Ltd, Subsidiary Of Habib Bank AG Zurich
11.2010 - 07.2015
Portfolio Management Officer
Nib Bank Ltd
12.2007 - 10.2010
Credit Incharge
Allied Bank Ltd
01.2006 - 12.2007
M.B.I.T - Finance
University of The Punjab
09.2002 - 05.2005
B.Com - Commerce
University of The Punjab
09.2000 - 07.2002
Intermediate - Arts
Board of Intermediate &Secondary Education
08.1998 - 07.2000
Matric - Science Education
Lahore Board of Intermediate & Secondary Education
08.1994 - 07.1997
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