Work experience

Work experience
Nov 2014 - Present

Assistant Mortgage Broker

Loan Market

• Entering of loan applications into database & lodgement system for directors and broker team.

• Compiling and submitting supporting documentation to the lender.

• Completing and securing compliance documentation.

• Liaisoning with client, lender and business for file management and follow ups.

• Managing client relationships (pre & post settlement, ongoing marketing).

• Performing general office duties and assisting Directors in adhoc tasks.

• Managing social media content and account for Directors.

• Monitoring of Net Promoter Score (NPS) client survey.

Jan 2013 - Jul 2014

Senior Operations Officer


• Improved branch audit rating from B+ to A through customer data cleansing-profile updating on an ongoing basis and implementation of internal control and regulatory policies.

• Reconciled pre-identified discrepant transactions in coordination with relevant stakeholders.

• Led and supervised Business Continuity Process as per internal policies.

• Supervised corporate term loans in line with internal policies.

• Inspected documents involving high value transactions and their reporting to higher offices.

• Providing quality customer service to corporate customers of the bank under" One Bank, One Team" initiative.

• Liaised with internal auditors to improve control environment, minimizing operational risk.

• Compliance of audit discrepancies, if any, and internal/regulatory circulars.

• Submitted operational and credit reports to higher offices on a regular basis.

• Managed branch's safe custody items as per policies of the bank.

Jan 2009 - Dec 2012

Manager MIS & Coordination


• Increased market share of the bank in corporate trade and credit sector through playing active role in setting 5 year strategy in liaison with business teams.

• Prepared budget and financial reports for corporate banking in liaison with business teams.

• Developed and maintained a centralized customer MIS, using MS Excel and Oracle based models, on an ongoing basis to resolve data integrity issues and provided timely financial and management reports to senior management.

• Performed internal control and pre-audit activities for corporate business teams.

• Identified gaps in reporting processes and initiated business process re engineering in line with internal policies of the bank.

• Assisted in automation process of reporting to increase operational efficiency by performing BPR for credit approval process for corporate customers.

• Coordinated with business teams regarding any operational, regulatory and control issues.

Jul 2007 - Dec 2008

Relationship Manager-Assets


• Looked after a credit portfolio of PKR 400Mn with more than 30 commercial clients.

• Prepared, processed and recommended credit proposals for marked and existing clients.

• Identified suspect transactions and took proactive measures to avoid non performing loans.

• Provided first class and proactive customer service to loan based clients and consistently maintained 100% loan recovery ratio.

• Provided custodial services and managed collateral against secured financing.

• Performed credit covenant control and documentation for corporate clients.

• Independent stock inspection of existing borrowers in line with standard operating procedures.

• Prepared monthly stock and other credit portfolio related internal and regulatory reports.

• Monitored and minimized credit portfolio related irregularities in coordination with higher offices and customers.

Jan 2006 - Jun 2007

Relationship Officer


• Looked after a commercial credit portfolio of PKR 75Mn. Managed a 100% credit recovery ratio through effective follow up and liaising with clients.

• Provided outstanding customer service to asset and liability based clients.

• Processed inward and outward foreign remittances and reporting thereof as per regulatory guidelines.

• Built strong relationships with customers to ensure recurring business.


Jan 2011 - Jun 2011

Certificate courses

University of South Australia

Completed two certificate courses of Accounting Theory and Auditing Practice

Aug 2003 - Dec 2006


Mar 2001 - Apr 2003


University of Karachi
Aug 1998 - Nov 2000

Higher Secondary Certificate

Government College of Commerce



CA Foundation

Institute of Chartered Accountants of Pakistan
Attained Certificate of Foundation in 2003.








Social Media


Relationship Building