Accomplished Commercial Banker with 28 years of experience in Banking and Finance. Results-oriented with proven success in managing billion rupees commercial lending to Corporate, Small & Medium Enterprises (SMEs), Government/Semi Government organizations and individuals/consumers. In-depth knowledge of commercial banking products & services. Strong record in achieving impressive growth in loan portfolio whilst maintaining strict credit quality. Worked in all areas of Credit Life Cycle including initiation, credit appraisal, credit risk assessment, approval, documentation, monitoring and remedial measures. Background includes Foreign Exchange, Trade Finance. Spot currencies market exposure at a senior level. * Increased annual loan volume from Rs.200 Million in 2002 to Rs.3 Billion in 2004, after appointment as head of department at Corporate Branch, The Bank of Khyber.* Consistently achieved annual Non-Performing loans recovery targets for the years 2002, 2003 and exceeded quarterly target for the year 2004 and then at SME Bank Ltd. reduced high level of Non Performing Loans for the years 2005, 2006 & 2007. Effectively used combination of negotiation and relevant sections of The Financial Institutions (Recovery of Finances) ordinance 2001 to achieve results. * Setup a Research & Analysis Department at Multiforex International (Pvt) Ltd, which generated valuable financial market intelligence & basis for informed decision by investors & traders. Effectively combined technology and team of economists to achieve desired quality of research. Generated business over US$1,000,000.Specialities: Critical thinker and adept negotiator who can apply extensive knowledge of Banking & Finance to rapid business & growth opportunities. Expertly directs resources, technology and expenses.
