Zeeshan Dhukka Email and Phone Number

• Preparing financial statement which includes balance sheet, income statement and cash flow statement.• Allocating budget for operation, payroll, marketing and other expenses. • Responsible for the managing accounts payables (AP). • Inventory management to make sure that it remains at the optimum level for efficient operation.• Train and supervise employees efficiently perform the duties.• Conduct monthly accounts/bank reconciliation to ensure accurate reporting.• Responsible for filing Sales & Use tax and Franchise Tax.

• Managed and analyzed the financial account of the organization and its related business.• Prepared financial reports to determine and maintained record of assets, liabilities, profit and loss, tax liability, and other financial activities for the business.• Responsible for examining financial reports for accuracy and completeness.• Responsible for developing and analyzing budgets, preparing variance report for budgeted costs to actual costs.• Provided internal auditing services for our organization.• Compute taxes owed, assisting and providing necessary information to CPA for filling tax returns and other business liabilities, ensuring compliance with payment, reporting or other tax requirements.• Maintained and examined the records of government agencies and proper filling the renewal when due.• Responsible for developing, implementing accounting systems, policies, procedures, and related responsibility to ensure smooth operations and making use of current computer technology in it.• Responsible for employees related issues including hiring, salaries, compensation and benefits when required.

Key Responsibilities:Commercial Credits. Marketing of the financial product currently offered by the bank to customer as per their need assessment. Preparing credit proposals in line with prudent business practices. Analyzing the financial statements for effective control and assessing repayment capacity of customers. Monitoring and administering the financial products for customers. Maintaining and keeping the record of all securities and collaterals. Currently maintaining the Commercial/SME Portfolio of 150 Million+. Achievements:In 2010 receive appraisal rating with “A” and promoted to next grade.Receive Cash Award for year 2009-10 performance.In 2008, Promoted to the position of Credit Manager on the basis of performance and multi-tasking ability.Other assignments handled during the service tenure: Administering and processing HBL, Mutual Funds. Process inward and outward foreign remittances. Prepare State Bank of Pakistan (SBP) returns for onward submission to head office.Develop the process flow & MIS for the fast processing of credit documents.Good at troubleshooting Banking Software – MISYS.

Consumer Credits. Processing and verifying the loan applications for consumer loan. Using proactive approach to assess the existing loans. Maintaining the lowest level of non-performing loans. Achievements:Receive appraisal with “A” for consecutive two years 2006 & 2007.Receive Cash Awards for consecutive two years 2006 & 2007.Successful in decreasing the NPL by 68% in 6 months from 2006-2007.

Account opening (in the light of KYC & AML).Cheque books processing.Prepare inward and outward clearing cheques.Issuance of Pay-order / Demand Draft and other internal Instruments.Utility bills collection and posting.