1. ATIF SHAHZAD AMIR
1080 Dubai Islamic Bank, Dubai
+971507290690
atifamiruae@gmail.com
PROFILE & OBJECTIVE.
A committed, hardworking candidate with experience in operations, customer service, finance,
back office services in banking, government, and travel sectors; skilled at processing new accounts
and maintaining existing ones while taking advantage of cross-selling opportunities to introduce
other products and services; strong background in accounting procedures and financial analysis
and reporting; a team player who enjoys coordinating with others to arrive at optimal outcomes.
To secure a challenging position with an organization that values talent/expertise and encourages
growth.
CAREER SUMMARY
Experienced in operations and all aspects of SME IN major Banks and Financial institutions. Strong
experience in SME Finance, Liability Customer Delivery, Corporate Communication, Service
Quality, MIS & Management Reporting and various fields in operations
 Presently working with Dubai Islamic Bank as Department coordinator since Nov 2014.
 Worked as Operations officer in SME with Mashreq Bank from Aug 2008 till October
2014.
 Worked as Accounts officer in PIA-PSA-Hisky Travels for 3.8 Years
 Worked as Account assistant with Ministry of Health in Pakistan for 1 year.
Worked as Accounts assistant for 3.1yrs with National Database & Registration Authority
(NADRA) Regional Headquarters, Pakistan.
CAREER HISTORY
2014-From November 2014
Department Coordinator /MIS Officer
(SME SOULUTIONS-Assets).
 MIS Reporting
 Preparation of various MIS like Performance MIS, Business Liability MIS, Fully Secured product
MIS, etc. on daily basis stage wise summery of all team leaders, daily staff wise submission,
approvals, disbursals report, Comparison with current month to last month.
 Preparing and maintaining all other required MIS and analysis at HOD level.

2.  Business Finance.
 Pre-evaluation and pre-screening of Business Finance Proposals to facilitate potential SME Clients
for Islamic Finance.
 Performing the Due Diligence for Business Loan applications at first level before submission of
files to Credit. Prescreening is done to ensure compliance against internal policies, ensure the
customer is not in Central Bank’s default list, etc. Complete scrutiny of the files to ensure
completion as per checklist to credit.
 Liability Accounts
 Coordinating between GBO and SME team for Liability Accounts opened by SME staff.
 Processing all SME accounts as per policy and as per check list.
 Trade Finance.
 End-to-End management of Trade Finance process for SME clients for funded and non-funded
products like Letter of Credit (LC), Letter of Guarantee (LG), etc. This involves checking the
customer documents, taking approvals from various departments like Legal, AML, Sharia, etc.
Coordinating with trade operations and sales for resolving discrepancies.
 Administrative
 Organizing and managing the administrative responsibility for the entire SME department for
smooth flow of business.
 Doing the employee onboarding for new joiners in the department by arranging their access and
system workability.
August 2008 –October 2014 Operations officer (SME-Finance)
Mashreq Bank, Dubai, UAE SME - Small Business Loans
 Pre-evaluation and pre-screening of Business Loan Proposals to facilitate potential SME Clients
(Conventional & Islamic Finance)
 Review and Analysis of Credit Line Proposal, Bank statement Evaluations and Financial Statement /
In-house Financial Analysis
 Generating system reports like Central bank check (CBRBR), Emcredit, eName to check history of
individual and non-individual entities.
 Excellent knowledge of internal system checking / Banking Applications
 Managing MIS of Customers who applied Loans with Mashreq and also prepare MIS of Rejects and
Rectifications etc.
 Reviews Small Business Loan and Small Business owner Loan applications in accordance with
policies and prepares daily MIS; forwards applications to credit department for disbursal after
checking credit reports; utilizes management software systems; opens accounts for same
applicants.

3.  Performs account maintenance activities for SME accounts to comply with policies, procedures, and
delivery standards to ensure satisfactory audit ratings and customer satisfaction; contacts account
holders to obtain current documentation and updates records; maintains information security.
 Coordinates with other branches and head office to resolve customer requests, obtain pertinent
documents, and further the authentication and signature verification process.
 Processing of Account Maintenance activities and Small and medium enterprises accounts to
ensure that Policies, Procedures and delivery standards are met which ultimately should reflect
in satisfactory Audit Rating and acceptable level of customer satisfaction.
 Prepare daily MIS on various activities conducted and provide to the management for review
and analysis.
 Co-ordinate with Branches/ HO product and services to resolve and fix the gaps and deficiencies
identified in the customer’s requests, other pertinent documents, authentication and signature
verification process.
 Ensure that prospective customers are introduced to the banks products and services by cross
selling and referring to appropriate sales channels.
 Worked in different departments of bank and recognized due to high productivity and excellent
performance.
 Worked in different departments of bank and recognized due to high productivity and excellent
performance.
December 2004 – April 2008 Accounts Officer
HI-SKY Travels and Tours, Pakistan (PIA-PSA)
 Maintained financial records in compliance with regulations; finalized annual accounts and
reviewed reconciliation of critical accounts; verified that general ledger and annual reports
accurately reflected the financial position both monthly and at fiscal year-end.
 Prepared and interpreted interim and annual financial statements and reports. Created and
presented monthly/quarterly expense analysis spreadsheets to inform management of
opportunities to decrease expenses.

4. January 2004 - December 2004 Accounts Assistant
Population Welfare Department Regional
Directorate, Pakistan
 Assisted Regional Director with accounts matters throughout the region using both computerized
and paper-based systems; handled traveling/daily allowances, service books, contingency bills, cash
book, log book, and office accounts.
January 2001 - January 2004 Accounts Assistant /Quality control
National Database & Registration Authority
(NADRA) Regional Headquarters, Pakistan
 Confirmed and entered data; assisted Regional Manager with accounts matters using Oracle
Financial Services Software; handled payroll and records for 15 NADRA Swift Registration Centers
and district and regional offices.
QUALIFICATION & PERSONAL DETAILS:
 MBA Finance (4TH
Semester)
 B.COM in Commerce – Majors in Financial Accounting & Auditing.
 Marital Status: Married
 Languages known: English, Urdu
 Nationality: Pakistan.
 Driving License: U.A. E
Additional Skills Training:
 Mashreq Bank: High-Impact Customer Relationship Workshop
 Mashreq Bank: Fraud Awareness Program.
 Mashreq Bank: Anti-Money Laundering Course
 Dubai Islamic Bank: Foundation & Principles of Islamic finance.
 Dubai Islamic Bank: Time management.
 IELTS certified with 6 Band