Muhammad Nazam

Experience

• 

  Kushhali Microfinance Bank Ltd

  Dec 2009 - Feb 2013

  • Implement approved sales/service plans to achieve growth objectives by agreeing micro level sales/service delivery plans• Conduct loan booking in strict compliance with KBL’s policies, procedures and ethics standards and facilitate in implementing internal control standards in letter and spirit.• Ensure continuous review of product and service related knowledge and recommend areas of improvement through personal/client feedback.• Meet internal service standards and ensure no service related complaints are received from customers.• Identify and resolve Client servicing problems.• Effective interaction with various Client segments and products sales in compliance with bank’s policy Show less

  • Business Development Officer

    Apr 2010 - Feb 2013

  • Data Entry Officer

    Dec 2009 - Apr 2010
• 

  Khushhali Microfinance Bank Limited

  Feb 2013 - Apr 2013

  Credit Specialist -1

  • Responsible to ensure completeness of loan documents and assessing that each loan application is in compliance with Credit Policy & Procedures and other guidelines circulated from time to time.• Responsible to ensure that valid and accurate data input is made in CSM from source documents related to cash flow & credit scoring.• Ensure defined 100% of borrowers’ verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant based on local knowledge & demographics. It includes verifying genuineness & reliability of information on ILA & group formation and cash flow form.• Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines. • Maintain related records /data / information etc as per defined procedures. Show less

• 

  Mobilink Microfinance Bank Ltd

  Apr 2013 - Dec 2015

  • Responsible to ensure that valid and accurate data input is made in credit MIS from source documents related to cash flow and loan applications.• Check the worth & Repayment capacity of the Borrower.• Maintain MIS or related records /data / information etc as per defined procedures.• Rechecking the rectified entries with source documents to ensure proper rectification.• Ensure defined 100% of borrowers & Guarantor’ verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant based on local knowledge & demographics. It includes verifying genuineness & reliability of information on LAF & and cash flow form. • Identifying discrepancies in data punching. • Responsible to ensure that cases forward RMD on daily basis• Responsible to identify service quality lapses or breach of ethical / professional behaviors by sales teams, /RO’s.• Coordination & align activities with branch management to cope with seasonal business fluctuations and credit cases flow.• Performs all other miscellaneous responsibilities and duties as assigned. Show less • Ensure defined 100% of borrowers & Guarantor’ verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant based on local knowledge & demographics. It includes verifying genuineness & reliability of information on LAF & and cash flow form. • Identifying discrepancies in data punching. • Responsible to ensure that cases forward RMD on daily basis• Responsible to identify service quality lapses or breach of ethical / professional behaviors by sales teams, /RO’s. Show less

  • Verification Officer (Assistant Risk Manager)

    Apr 2015 - Dec 2015

  • Verification Officer (OGI)

    Apr 2013 - Apr 2015
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  Mobilink Microfinance Bank Ltd

  Jan 2016 - Dec 2021

  Branch Manager (AVP)

  • Maintaining the monthly reports.• Coordination & align activities with branch management to cope with seasonal business fluctuations and credit cases flow.• Assign the targets to assets sale& Liability.• Doing 25 % the Post disbursement verification of the borrowers.Performs all other miscellaneous responsibilities and duties as assigned.The tasks which I performed:• Preparations of Monthly Reports: • Whole Sale & Retail Market Visits• Outlet Surveys: • Competitor’s Information (Promotional Activities, Trade Offer, Launching, Re launching etc.) Show less

• 

  LOLC Microfinance Bank Limited

  Dec 2021 - now

  Area Manager
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  NRSP Microfinance Bank

  Feb 2023 - now

  Area Manager