Muhammad Aftab

Experience

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  Habib Bank Limited

  Dec 2003 - Oct 2008

  Responsibilities• Coordinating with clients and the market for the leads management and for the account openings of the reputed companies, Fix Deposit.• Contacting potential customers and companies for the purpose of influencing their buying decision by selling investments and other bank related products. • Deposit Mobilization.• Deal with clients on a face to face basis as well as over the telephone. •Review loan requestsAssess clients’ financial statusEvaluate creditworthiness and risksContact clients to gather financial data and documentationAnalyze risks and approve or reject loan requestsCalculate financial ratios.Set up payment plansMaintain updated records of loan applicationsFollow up with clients about loan renewalsMonitor progress of existing loans

  • Branch Manager

    Aug 2007 - Oct 2008

  • Credit Officer

    Dec 2003 - Aug 2007
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  United Bank Limited

  Oct 2008 - Aug 2016

  Branch Manager heading a Branch responsible for a portfolio consisting of 4000 relationships with liability accounts of more then AED 400 Million. Team consisted of 10 Personal Bankers and Personal Banking Manager. Responsibilities’ included: Responsible for acquisition/growth of the Retail Banking portfolio  Managed a CASA/TD deposit portfolio of more then USD 200Mln,  Managed over 1000 depository relationships including Small Medium Enterprises (SME’s) & High Net worth Individuals.  Assisted the Retail Banking Head and in determining the bank’s deposit mobilization strategy Daily monitoring of large cash transactions Cross selling UBL products and service including:o Mortgageso Personal Loanso Payroll solutionso Credit Cardso Bancassurance Show less Responsibilities include:  Responsible for smooth running of daily branch operations, managing staff performance and development  maintaining a high standard of operational control/audit compliance provide efficient service in meeting customers' banking needs and work together as a team in achieving targets/initiatives Supervision of all transactions including outward clearing and transfer also Ensure Internal Control procedures are in place at the Branches at all times  Monitoring on a regular basis to ensure that all CC TV's in the branches are functioning properly and report any problems to the Establishment Administration Department.  Co-ordinate with Centralized Units at H.O. regarding day-to-day activities at Branch.  Responding to enquirers from AML Unit in a timely manner Show less

  • Branch Manager

    Jan 2013 - Aug 2016

  • Branch Operations Manager

    Oct 2008 - Dec 2012
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  CENTUM Financial Group Inc.

  Nov 2016 - May 2023

  Senior Mortgage Advisor

  Job SummaryResponsible for working on behalf of the mortgage lender and borrowing individual by assembling and verifying all closing documents required by title insurance company and initializing loans. working with major Banks including CIBC, TD,RBC, BMO and Scotia Bank.Primary responsibilities1.Work with various lenders to find the best deal for a homebuyer.2.Originate loans to sell to lending institutions.3.Act as an intermediary between a lender and a borrower who needs a mortgage loan.4.Evaluate pay stubs, credit history, tax information and bank statements for financial status.5. Work to ensure compliance with banking and or finance laws in the jurisdiction of the consumer.6.Sell loans in the name of other organizations and businesses.7.Verify the income of the borrower as well as gather their credit information.8.Follow through with lender and client during approval process.9.Explain the legal aspects of the loan to the borrower as well as the payment terms and clauses to them.10.Define repayment terms to consumer and educate them the consequences. Show less

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  Gvoltz Constructions

  Apr 2017 - now

  Managing Director
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  Cade Cosmetics

  Jan 2023 - now

  Cade cosmetics