Mohammad Butt Email & Phone Number

Karachi, Pk

Karāchi, Sindh, Pakistan

• Oversee branch operations, including customer service, sales & financial transactions. • Ensure compliance with all applicable laws, regulations & policies. Develop & maintain relationships with customers and other stake holders. • Identify & implement process improvements to increase efficiency and reduce costs.• Initiating New Accounts & Consumer Lending risk analysis within Framework of Credit Policy & Product Matters.

Karāchi, Sindh, Pakistan

• Oversee branch operations, including customer service, sales & financial transactions. • Ensure compliance with all applicable laws, regulations & policies. Develop & maintain relationships with customers and other stake holders. • Identify & implement process improvements to increase efficiency and reduce costs.• Initiating New Accounts & Consumer Lending risk analysis within Framework of Credit Policy & Product Matters.

Dubai, United Arab Emirates

• Assigned Credit Managerial duties included managing the company’s credit line, working with clients to provide & credit limits for future funding. • Daily monitoring of the collection area for actively working past due accounts Page 1 of 4 & manage the sales team for contact performance & attention to credit guidelines. • Continuously monitored portfolio performance and conducted detailed monthly and quarterly analysis of regional credit trends to determine needed changes to credit matrix and lending policies. • Managing over 300 credit accounts with net assets of AED 5,000,000 supporting businesses nationwide. • Monitoring corporate lending practices to ensure compliance as per BANK requirements & follow all A/R procedures and policies by corporate standards. • Maintain knowledge of banking terminology, processes, products (lines of credit, letters of credit and term loans) & required info. for a competent credit decision. • Reviewed current customers account for credit limits, increase credit limits within authorized parameters. Monitoring weekly aging reports to senior management. • Introduced sophisticated financial analysis to minimize risk and promote sound sales strategies. Monitoring movements, Variances, aging of Accounts & Managing reports as per IFRS International Financing Reporting Standard. • Managing of Monthly Budgets in Line with Business Plan, P&L, Balance Sheet, Allocation of Budgets, involving Payroll, weekly, Sales Revenue, Cash Flow, bank’s Reconciliation, Expenses, Credit Notes & OD accounts Liaison with Management. • Managing Control matrixes for existing & future Inventory. • Corporate dealing with all major Banks in UAE on behalf of Group.• Experienced Financial Accounting applications Sun System Responsible for all legal accounts (3rd party collections, liens, etc.). • Accounts that are deemed uncollectible are sent to outside agencies collection agencies or to attorney to file the necessary legal actions.

London, England, United Kingdom

• Prepare, Develop & Analyze Accounts Payable includes Invoices / Expense Reports / Payment Transactions / Corporate Accounting & Book keeping. • Responsible for all facets of receivables management. • Responsible for all collection activity including customer visits. • Responsible for resolving delinquencies, short payments, &disputes. • Responsible for monthly reporting of past due balances. • Allocated resources efficiently and effectively to maintain cash flow excellence and support company profitability· • Preparation of Weekly Profit forecast, Budgets, Accounts. • Managing Debt Collection of Loans, Bank Recon, Payroll, Wages & HR matters. • Experienced Financial Accounting applications, - Navision / SAP / SAGA. • Corporate dealing with all major Banks in UK on behalf of Group.

Karāchi, Sindh, Pakistan

• Managing SME / Consumer Lending risk analysis within Framework of Credit Policy & Product Matters. • Oversaw National Credit risk analysis and administration of more than 10 billion portfolios in SME / Consumer sector. • Overall responsibility is to analyze financing proposals according to the risk acceptance criteria of the Bank, prudential regulations & other regulatory requirements.• Reviewing and improving SME/CONSUMER financial, administrative, risk management & reporting tools and procedures. • Re-launching of exiting SME products with new branding, systems and technology and to identify, develop, execute and manage new lending programs for SME/CONSUMER sectors. • Introduced a country risk tool with credit guidelines, for use by Legal, Sales. • Position carries credit approval authority up to 5 M - 35M & work closely with all Credit Underwriters, Investigators, Product Managers, Policy Managers, Branches, Risk & Compliance, Collections & legal Recoveries Manager, Service & Quality Managers, Direct Sales Force, Internal & External Auditors & External Agencies (Valuators, Income Estimator & Lawyers) · • Plan & prepare the strategy of annual budget requirements for the operational environment. Overall responsibility is to analyze financing proposals according to the risk acceptance criteria of Bank & prudential regulations.• Preparing Credit & Operational Modules & Process flows Supervised, mentored and provided performance guidance to a staff of 35 Credit Analysts and Administrative Support staff.

Karāchi, Sindh, Pakistan

• Managing Credit / Operations Unit for processing of Business Finance / Consumer Financing Facilities. Managing daily operation of the Credit / Operations Department. • Managing Performing Credit Approvals utilizing the Trans Union system Prepared credit process flow as per bank policies and procedures. Assigned Credit limits after credit evaluation as per bank policies. · Review customer credit applications and determine credit limits approval or denial from Sales Team recommendation Managing & maintain transparency in Bank Accounts, Portfolio Performance Analysis &monthly reporting Assigned Credit limits, review of income statements.• Supervised a staff of 5-6 credit representatives Page 3 of 4· • Assisting Projects like Budgeting, Sundry Reconciliations & System specifications. • Preparing Monthly, Quarterly & Annual Fin. Reporting to Internal & SBP Auditors. “Hands On” management approach.

Karāchi, Sindh, Pakistan

• Independently conducted credit analysis according to policy and sound credit decision making, preparing decision documents for credit actions for processing of all Consumer Financing (Credit cards, Auto Finance, Mortgage/Business Finance & Personal Loans. Managing & maintain transparency in Bank Accounts, Portfolio Performance Analysis & MIS reporting on each & every transaction. • Prepare/ Review customer credit applications and determine credit limits approval or denial from Sales Team recommendation. Handle all accounts being forwarded to collection agency. • Work closely with collection agency representative through follow up periodically on accounts in collections. Communicate with Sales and Branches regarding specific situations and/or general credit / operational / collection issues. • Monitors aging of accounts and posts payments Monitor overall finance process to help ensure high quality & timely financing. • Preparing Financial Reporting to SBP Quarterly / Monthly.• Booking all Loans on System & Supervising all Credit & Operational activities of a Unit • Managing & maintain transparency in Bank Accounts, Portfolio Performance Analysis & MIS reporting on each & every transaction.

Bachelor'S Degree, Mathematics And Statistics

Master Of Business Administration - Mba, Accounting And Finance