Abrar Saeed

Experience

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  United Bank Limited

  Sept 2005 - Apr 2006

  Support analyst

  • Scrutinize cases as per product development document.• Coordinated with sales to resolve discrepancies and rejection...• Managing verification MIS and monitoring the send and receiving verification reports. • Calculation of the bank statement and cards statement.

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  Standard Chartered Bank Pakistan Limited

  Apr 2006 - Aug 2007

  Credit analyst

  • Managing Credit Team of American Express Card.• Appraisals of customer credit merits by means of financial statements, cash flow and profile analysis.• Scrutinize and making final decision on the application according to prudential regulations and product development document.• Judicious and timely processing of loan within the precise turn around time. (ideal system).• Incorporated all changes made during the period in the process flow and ensuring that all process related functions are updated in the process manuals accordingly. • Analysis of customer portfolio and NCL on an ongoing basis to detect and minimize credit risk.• Complete review of applications on ECAPS and CARD 400 (editing, authorization, duplicate check, approval and history. Show less

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  NIB Bank

  Aug 2007 - Feb 2011

  Branch credit manager

  • Managing and monitor branch Asset risk management department.• Quality lending, taking decision either to approve or reject by securing the risk.• Managing Customer Satisfaction and timely delivery of all customer related issues, with the best of correspondence with branch sales and service quality group.• Managing the credit administration function at the branch and coordinate with other functional in charges for ensuring smooth execution of day-to-day activities of the credit administration function in an effective and efficient manner. • Check documents submitted along with the credit proposal of significant loans to authenticate their validity for safeguarding Bank’s interests against future default by the borrower by recovering the loan amount through liquidating this collateral.• Coordinate with external agency management verification unit for valuation of the property and any violation in the property. • Coordinate with lawyer in obtaining legal opinion as and when required to ensure the authenticity of the borrowing party as well as the credit to be extended in case of significant loans, and facilitate the legal adviser in all possible ways to help in protecting the interests of the Bank • Analysis of customers provided profit & loss accounts and balance sheet. • Maintaining cross MIS on a stage of second credit signer to track a record of daily approvals and control a regular credit decisions.• Ensure that timely and value added feedback is provided to policy and sales on negative trends or observations. Show less

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  MetLife

  Sept 2011 - Dec 2011

  UNIT MANAGER

  MetLife• Daily manpower and Business Repot.• Daily weekly White and Yellow Card.• Weekly and Monthly Business Report.• Weekly Recruitment and Manpower Growth Report.• Record of serious attempt for recruitment

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  Allied Bank Limited

  Dec 2011 - now

  Branch Manager

  Working as credit analyst: processing loan, classification, renewal, etc.