Faraz Munawar Email & Phone Number

Lahore, Pk

Lahore

• RM cum Team Leader of ARMs• Looking after anchor based customers (Distributors/Suppliers/Vendors/Dealers) of Central Region, like Partial belt of Lahore, Sheikupura, Gujranwala, Gujrat, Sialkot, Rawalpindi, etc. • Liaison with Corporate MNCs , such as CCBPL, Panther Tyre, National Foods, Engro Group, Millat Tractors, Atlas Battery, Packages, Ghani Glass, Pak Suzuki, Lotte Akhtar, Lays (Pepsi Co), Bata Pakistan, HKB, etc.• Managing Portfolio of ETBs & NTBs• Financial Proposal Analyst (Assignment includes : Enhancing/reduction in limits, Forward for approval, rejection the CA, detailed review, Risk mitigation)• Review and assessment of other regions' Credit Line Proposals for onward submission to competent approving authorities.

Lahore, Punjab, Pakistan

Independently Managing a Portfolio of Funded & Non-funded Commercial Accounts of more than Rs. 4.00 Bn.

Lahore, Punjab, Pakistan

• Efficiently managed a portfolio of funded and non-funded limits of approx. Rs. 1400 million, consisting of different SME and Commercial customers, which include but are not limited to Dairy, Food Stuff, Flour, Rice, Pharmaceuticals, Construction, Textile, Industrial Chemicals, IT Industry, etc. • Worked on SBP products & Govt schemes, like Sahar Finance, PMYB Scheme, Ujala Finance Scheme for Askari Bank Employees. • Managed transaction flow in each respective account, along with daily execution and monitoring of transaction in funded and non-funded lines. • Responsible for preparing fresh, renewal, and enhancement of CLP (Credit Line Proposals) of existing, as well as new, Commercial/ Corporate customers. • Conduct Financial Statements Analysis, Industry Analysis, Security Analysis, Macroeconomic Assessment, Management Assessment, and Environmental Due Diligence.• Internal Credit Ratings about the customers applying for fresh facilities or already availing credit facilities. • Explaining Customer Profile, Business Model, Management Structure, Proposed Facilities, Collateral Arrangement, Pricing, etc. Prepared, reviewed and ensure timely submission of credit proposals to bank’s credit committee in accordance with bank’s credit policies and procedures for approval and/or renewal of credit facilities. • Ensuring all the queries raised by the relevant approving authorities are addressed within due course. Co-coordinating with all the stakeholders of a credit request i.e., Management, Risk Management Department, Credit Administration Department, External Lawyers, Valuator, etc.

Lahore, Punjab, Pakistan

• Working as an associate in Commercial Credits (assets), I have managed a portfolio of clients within the Rice, Flour, Textiles, Oil and Gas, Chemicals, Construction, and Real Estate Sectors. • Assist the Relationship Manager and Team leader in building new relationships and maintaining existing relationships with the client.• Issuance of Bank Guarantees.• Prepare credit and Investment proposals to obtain approvals for participation in term finance, short-term finance, and non-fund-based transactions.• Arranging Market Check, and Bank Check of the customer to mitigate risk exposure of the bank.• Once the Credit request is approved, collateral is perfected then arranging for disbursement against the approved limits to the customer.• Execution of trade-based transactions with the support of Trade Staff.• Establishing liaison between the CAD (Credit Administration Department) for documentation, the issuance of DACs, and Delivery Orders; subsequently coordinating with approved ‘Muccadams’ (stock keepers) of the bank for the release of stock / pledged goods.

Lahore District, Punjab, Pakistan

I joined Askari Bank Limited as a “Trainee Officer (TO)” after being selected in “Trainee Officer Batch II” qualifying a comprehensive written test and one-to-one panel interviews with senior management; posted in the Commercial Credits Department (assets) after extensive training of 5-6 months started from Learning & Development Academy, Rawalpindi with rotations in different branches and departments of the Bank, such as Branch Banking, Trade & Credits, and CFTU (export & imports).

Lahore, Punjab, Pakistan

Tasks observed and performed: • Account opening and maintenance activities.• Handling customer’s queries and complaints.• Issuance of cheque books, debit cards and lockers.• Issuance of Banker Cheques.• Reporting / record management.• Creation of lien on account/amount blocked• CDD/EDD & KYC

Lahore, Punjab, Pakistan

• Interlink with Retail Pro (Retail Software) • Daily cash Management • Inventory Management • Report Making• Customer Handling

Lahore, Punjab, Pakistan

• Daily Cash Management• Inventory Management • Skills on Candela (Retail Software)• Branch day-to-day operations• Report to senior management