Qamar Ilyas Khan CMFD-(IFMP)

Experience

• 

  Ministry of Labor & Manpower

  Jan 1989 - Apr 1990

  District Manager Employment Exchange

  Selection, Recruitment and Job Placement

• 

  HBL - Habib Bank Limited

  Apr 1990 - now

  Ensure smooth branch operations complying to all internal controls, regulatory and compliance requirements, thus leading to strong business growth and optimum level of customer satisfaction. Ensure all processes are followed as per Branch Operations, Foreign exchange manuals & KYC/AML policy; while ensuring Compliance and TATs are met as per Service Level Agreement between departmentsProvide guidance and recommendations in order to support the resolution of all customer cases to improve overall customer experience.Management of variable cost factor pertaining to branch operations and to maintain the cost at minimum level and within budget to ensure branch efficiency.Responsible for reconciliation of Inter Branch Transaction Supervision /Cross Branch Transactions, Internal Control and branch outlook and ambience by properly maintaining branch furniture’s/ fixtures/ IT equipment to effectively support the front-line of the branch Show less Ensures facilities for SME accounts have been approved within approving authorities’ powers and accurate authorizations are obtained• Ensures approved credit lines are in compliance with the Bank’s approved overall and specific credit policies• Prepares documentation checklist to determine documents and securities required for each credit facility• Vetting of all security, charge KYC documents as per the outlined checklist to ensure that terms and conditions, pricings, limit expirations and undertakings are stated as per the approved terms• Vetting of all security , charge documents pertaining to business finance or asset backed finance to ensure the documents are in line with the approved terms and conditions and SME DLA• Reviews all signed documentation, upon receipt from the borrower, checking for accuracy and completeness to ensure that all required legal documentation and undertakings are in place prior to releasing credit facilities to the Credit Control Unit – SME CAD• Ensures that complete sets of documentation against respective facilities are delivered to the Safe Custody Officers for lodging into the Electronic Lodgment Register (ELR) and those deficiencies /deferrals are entered as “exceptions• Follows up with Sales team for receipt of deficient and/or expired documents Show less Evaluate and approve loan applications, negotiate terms with customers, maintain relationships with major financial institutions, and continually update loan files and creditsIdentify loans of high risk and ensure loan terms are met to avoid foreclosures, bankruptcies, and delinquenciesPerform research into credit histories for new customers and existing loansMonitor and approve credit limitsCreate and maintain loan filesProvide analysis and recommendationsCoordinate with outside vendorsResearch current mortgage rates and rates on loans from competitorsDevelop and maintain relationships with financial institutionsMaintain constant communication with management, staff, and vendors to ensure proper operations of the organizationUphold standards of excellence and soaring qualitySeek out opportunities for expansion and growth by developing new business relationships Show less

  • Senior Manager

    Apr 1990 - now

  • Branch Manager

    Apr 2005 - Dec 2012

  • Credit Manager

    May 1999 - Jan 2004

  • Branch Operations Manager

    Jan 1996 - Dec 1998

  • Credit Administration Officer

    Apr 1995 - Dec 1995

  • Credit Officer

    May 1993 - Mar 1995

  • Credit Processor

    Apr 1990 - Apr 1992