Hanif Toori

Experience

• 

  Khushhali Bank Limited

  Jun 2007 - Jul 2013

  Program Introduction•Conducting Market Situation Analysis•Formation of Groups and Social Mobilization•Preparation of Credit Proposals & Financial Analysis•Cash Flows Analysis•Preparation of Individual Loan Applications•Credit Scoring Analysis•Conducting Routine Meetings with Clients•Meet Budget for Revenue and Profitability on Assigned Portfolio•Manage the credit administration•Preparation of loan documentations for approved loans•Verification of loan documentation along with credit proposals•Ensure compliance of the policies and procedures•Constantly monitor activities after the disbursements of the loan•Follow-up with the borrower for timely repayment of the loans•Follow-up rules and regulations of the supervisor & SBP circulars•Classify the overdue cases as per SBP policies and the bank•Risk management Show less

  • Acting Relationship Manager

    May 2010 - Jul 2013

  • Business Development Officer

    Jun 2007 - May 2010
• 

  ICRC ( Pashtu English)

  Jun 2008 - Dec 2009

  Freelance Translator

  Translation of a public survey by ICRC " Social, Political, Religious and Law and order problems in the wake of NATO Presence in Afghanistan in general and Paktia province in specific"

• 

  U Microfinance Bank Limited

  Jul 2013 - Dec 2015

  Relationship Officer

  Responsible for carrying out market assessment, introduction and sale of asset and liability products, conducting client appraisals, prepare and monitor case loadings, front-end delinquency/ collection management, and process client documentation.

• 

  Apna Microfinance Bank Limited

  Dec 2015 - Mar 2016

  Manager Credit

  Managing the over all Asset Portfolio of the Branch, New Business Acquisition, supervising the dedicated team of Asset Sale in meeting the organization goals in compliance with the prudential regulations. Closely monitoring all the Micro-finance indicators of the branch's asset portfolio. Evaluating and applying the risk management principal to any type of disbursement from (Social collateral to physical collateral) based lending, Marketing the products to the right one at the right time, counseling the staff on the best customer services. Show less

• 

  Mobilink Microfinance Bank Ltd

  Mar 2016 - now

  Managing the Asset Portfolio of The Branch, Branchless Banking ( JazzCash), Adhering to prudential regulations by the Central Bank in building the asset portfolio ( New business acquisition and retaining the existing asset portfolio) Branch compliances as per the bank instructional manuals, Keeping an eye on achieving the OSS (Operational Self Sufficiency) assigned by the top management. In short banking the Unbanked with Socio-Economic impact.

  • Area Manager-Liability Sale

    Aug 2024 - now

  • Branch Manager

    Sept 2018 - Aug 2024

  • Relationship Manager-Assets

    Mar 2016 - Aug 2018