Osama Khan

Experience

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  Students Offering Support

  Apr 2011 - Aug 2011

  National Finance Co op
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  MCB Bank Limited - Treasury Department

  Jul 2012 - Aug 2012

  Intern

  Monitored and assisted in money market operations including cash flow reconciliation,remittance management and credit verification

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  Health and Nutritional Development Society (HANDS)

  Jul 2013 - Aug 2013

  Intern
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  Bank Alfalah Limited

  Jun 2015 - Jul 2015

  Project Intern

  - Created financial control information manual representing classification of expensesand revenues and presented final report to group head finance- Prepared account reconciliation and submitted reports into the system

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  Jubilee General Insurance

  Jan 2016 - Jun 2016

  Project Consultant

  - Analyzed marketing strategy and invented health insurance plan for university students- Produced shortcomings and Recommended improvements on newly established website to make it user friendly- Closely worked with Head of Marketing and Sales and presented monthly reports to learn and experience challenges faced by General Insurance Companies in Pakistan - Designed customer surveys and performed regression using "Eviews" and demonstrated various correlations between variables to evaluate consumer behavior Show less

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  Optimus Capital Management Ltd

  Jun 2016 - Jul 2016

  Research Analyst

  - Conducted industry analysis on OMCs and developed detailed presentation (highlighting revenue drivers and historical trends)- Updated cement industry database and conducted trend analysis- Presented morning briefings, proof read research reports and recommended improvements- Prepared financial models by applying DCF valuation method to determine fair values

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  Meezan Bank Limited

  Aug 2016 - Nov 2017

  Relationship Associate, Supply Chain Finance Unit, Commercial Banking

  • Prepare Credit proposals and renewals, incorporating details such as Credit Analysis, Financial Analysis and Industry Research, and arranging adequate Collateral/Security, Takaful and following guidelines as per SBP Prudential Regulations for SME and Commercial customers• Advise on structuring of distributor & vendor financing transactions under supply chain financing program• Coordinate with Corporate Customers and Karandaaz Pakistan to achieve FY16 and FY17 aspiration of PKR 1.0 and PKR 2.5 Billion respectively• Develop relationships with new and existing clients by accomplishing generated requests and providing unparalleled customer satisfaction • Quarterly report and notify Karandaaz Pakistan for disbursements and sales projections• Manage Distributors of Nestle Pakistan and Unilever Pakistan for finished goods financing, arrange adequate collateral and negotiate on pricing under the ambit of Distributor Financing Program• Also manage vendors of Pak Suzuki, Atlas Honda and Millat Tractors under the horizon of Vendor Financing Program• Assist in developing Product of Short Term funded facility for Distributor and Vendors e.g. "Running-Musharkah" • Independently develop "MIS" of Engro Fert Distributors and respective nearest MBL branches to open accounts and Initiate Financing as per procedures Show less

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  Bank Alfalah Limited

  Nov 2018 - Nov 2021

  Relationship Manager Corporate Banking

  • Reviewed multiple asset-based loan portfolios of $100 Mn including Energy, Construction and Steel • Analyzed financial statements and industry analysis in approvals, improving credit assessment accuracy by 15%• Conducted risk assessments process, ensuring compliance with credit policies and instilling financial covenants• Performed project cost analysis for corporate clients, identifying potential risks and improving securitization of loans• Executed Car Financing Deal of $2 Mn ensuring unique product development process and timely disbursements Show less

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  Bank AL Habib Limited

  Nov 2021 - Feb 2023

  Relationship Manager - Islamic Banking Department (Credits)

  • Supervised corporate portfolio of $80 Mn in various sectors including Distribution, Agriculture, Logistic and Chemical• Implemented risk mitigations in credit structures, reducing default rates and aligning transactions with the bank’s credit policy and regulatory guidelines• Performed sensitivity analysis through scenarios based testing of Islamic Products, reducing default risk by 10%• Evaluated project financing, ensuring accurate cost breakdowns and cash flow projections for large-scale projects• Developed risk frameworks, reducing non-performing loans by 17%, saving the bank $5 Mn annually• Reviewed financing agreements and produced offer letters ensuring all terms and conditions are aligned as per approval and endorsed by customer Show less

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  Meezan Bank Limited

  Feb 2023 - Jun 2024

  Credit Relationship Manager - Corporate and Institutional Banking

  • Managed a credit portfolio of $100 Mn with clientele from sectors including Textile, Automobiles and Pharma• Analyzed customer Creditworthiness through in-depth risk assessment process, ensuring quality of credit proposals• Coordinated with relevant stakeholders for execution of routine funded and non-funded transactions on the accounts • Marketed new to bank customers and exceeded profitability targets by 30% and funded targets by 15%• Negotiated credit package including Credit Limits, Pricing, Collaterals, financial covenants and escrow arrangements • Lead a team of relationship associates and trainees allocating routine tasks, monthly targets and client visits• Created product process flows as per guidelines of Shariah Compliance for disbursements and credit administration• Developed modus operandi for mortgages, release of securities and charge creations for loan securitization• Devised and presented monthly and quarterly reports to senior management for performance tracking and insights of the Credit Portfolio• Ensured accurate reporting of credit portfolios to internal departments for policy and regulatory compliance Show less