Muhammad P. Email & Phone Number

Halton, Ontario, Canada

1. Responsible for growing the size and profitability of the commercial lending portfolio, by acquiring new member relationships through prospecting and lead generation. 2. Responsible for commercial underwriting and making sound lending recommendations that are in line with business goals, as well as internal policies and procedures. 3. Demonstrate portfolio management and risk mitigation through the regular review of financial statements by identifying trends, monitoring associated risk, and re-structuring credit as necessary. 4. Development of a market management strategy to grow our commercial portfolio by working with both internal partners (wealth, retail, and payment solutions) and external partners. 5. Provide exceptional member experience by delivering superior business and financial advice. 6. Participate in ongoing scheduled contact programs to develop meaningful relationships with members by staying in touch, providing value added service and meaningful advice 7. Participate fully as a member of the team, support a positive work environment that promotes service to the credit union, quality, innovation, integrity, and respect and ensure timely communication of issues/ points of interest. 8. Other assignments, projects and duties may be required

Regional Municipality Of Halton, Ontario, Canada

I am part of a team of Business Market here to help you and your business succeed. My approach is simple; I will work with you and take the time to listen and understand your unique business needs and goals.I C A N H E L P Y O U B Y• Learning key details about your business, including your industryand business life-stage• Providing relevant advice, including products and services that workfor you• Recommending tools and resources to help support your business• Developing a comprehensive and holistic plan to keep you focusedand on track.

• Provide professional advice and education with an ability to address complex credit and investment needs, concerning both personal and business needs with annual target of $20.00 Millions.• Delegated lending Authority up to $75,000 to $100,000 of different RBC Credit products along with $300,000 for mortgages per client. • Build and develop the client base, manage and grow portfolio, selecting the most appropriate investment solutions to meet financial plans and goals.• Deal with all internal credit and investment products and prepare plans to build long lasting relationships.• Prepare comprehensive financial plans that meet client’s specific needs in the areas of financial, investment, retirement, and risk management planning.• To achieve higher levels of proficiency and rewards in this role, effectiveness in selling RBC products, services and solutions to clients.

Canada

• Follow-up of delinquent debt and to arrange collection of payments from debtors.• Responsible for the follow-up and coordination necessary to ensure that all unresolved/unpaid invoices and credits on a customer's accounts receivable are worked to conclusion with payment or internal adjustments regardless of how these items occur. • Weigh risk/reward when recommending corrective actions, know limits and negotiate win/win solutions.• Provide support to the Sr. Credit Supervisor.• Complete any duties/special projects assigned from time to time.

Canada

• Managed a high-volume workload within a deadline-driven environment. Resolved an average of 550 inquiries in any given week and consistently met performance benchmarks in all areas (speed, accuracy, volume). • Helped company attain the highest customer service ratings (as determined by external auditors) -- earned 100% marks in all categories including communication skills, listening skills, problem resolution and politeness.• Officially commended for initiative, enthusiasm, tenacity, persuasiveness, intense customer focus and dependability in performance evaluations.• Prepare draft of loan presentations and ensure to clear all determined loan exceptions. Supervise financial and accounting processes and ensure adherence to company.• Register all finance transactions accurately for future references.

Pakistan

• Analyzed historical and forecasted financial performance information, resulting in recommendations for new credit extensions or renewals of existing credit extensions.• Liaised with central bank auditors and external auditors during annual audit review of Commercial assets products, provided information/explanation required and resolved related issues.• Prepared key performance indicators (KPIs), benchmarking, performance ratios, financial analysis, and commentaries on financial performance for management and board members.

Pakistan

• Promoted and sold financial products to meet given or negotiated sales targets.• Contacted clients with news of new financial products or changes to legislation that may affect their savings and investments. Regularly provided feedback on the soundness and effectiveness of the customer services, especially departmental policies and procedures.• Adhered to all corporate policies and statutory requirements and recommends to senior management adoption of or changes to policies and guidelines to reflect circumstances within the customer service area.

Pakistan

• Took initiative and talked to the customer to determined there service requirements to capitalized of business opportunities. • Represented the Bank in the Business, Social and Civic Communities.

Pakistan

• Delivered informational sales presentations to potential clients and assist throughout completion of application process while strengthening client relationship.• Sold IT products including IBM Thinkvision, IBM Thinkpad and different Computer accessories to the various corporate customers. • Developed profitable relationships with current and prospective customers, and provided exceptional customer support through attentiveness and extensive product knowledge.

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