1. Mazhar Abbas
DOB; 3rd
February 1977
mazharabbas__2006@hotmail.com
Cell Phone UAE: 00-971-5267-50731
Cell Phone Pakistan: 0092-321-2396831
Residence: 0092-300-9244364
Apartment # 3, 3rd
Floor, Plot # 12-C, Badar
Commercial Street # 5, Phase-V Extension, DHA
Karachi.
Career Ambition
Looking for a Professional Partner who can provides me an opportunity to Serve them at higher level of performance
that can help me to explore & expand my capabilities further, based on current working experience at first stage and
further set strong learning Goals and Steady Career Path.
Working Experience with Bank & NBFI; (Jan-2001 to Date)
• Working with Bank from last 11 years
• Worked with Non Banking Financial Institution for 2 years & 7 months
Professional Skills & Strengths
 Relationship Management
• Marketing of lending based Financial Products.
• Customer Relationship.
 Credits
• Personal & Business Financial Analysis for borrowing and calculating repayment capacity of the
borrower.
• Analysis of Credit Reports and its arrangement.
• Analysis of securities on Legal aspects, Marketability and Genuineness on the basis of internal/ external
reports and coordination for obtaining reports with Legal Firms, Valuators (income & asset) and other
agencies.
• Processing & preparation of Credit proposals & obtaining approvals from concerned authorities.
 Documentation & Credit Administration
• Facility Acceptance, Documentations & compliance of approval terms & policies.
• Disbursements of facilities, security receiving & transactions.
• Safe custody of collaterals.
• Redemption of facility & Litigation of Non Performing Loans.
Summary of Association with Bank Alfalah Ltd.-BAL; (Aug-2003 to Date)
At present managing credit administration activities for securing lending exposures through compliance of policy
procedures, regulatory frame work and local laws for entire South Region for Mortgages and being a team member
managing credit administration for interior Sindh & Balochistan for Commercial, Corporate & SME facilities. The core
responsibilities includes legal documentation between the Bank & the borrower for financial facilities, disbursements &
transactions, safe keeping of securities received against lending, management reporting and periodic internal, external
& regulatory audits for lending portfolio. (Details of Work Experience with Job Description attached)
Summary of Association with International Housing Finance Ltd.-IHFL; (Jan-2001 to Jul-2003)
Responsible for preparing proposals based on Company’s and Regulator’s Credit policies, Procedures for approval of
Mortgage facilities against commercial & residential properties for Business & personal use. Visiting & verification of
income for business concerns such as proprietorship, partnership, companies & individuals, obtain valuations of
proposed properties for mortgage, analysis of financials, cash flows current & future & debt burdens based on credit
reports. Structuring of facilities on the basis of verified income & future cash flows & credit commitments.
Additionally responsible for marketing of Mortgage Products to corporate & commercials for their own as well as their
staff needs. (Details of Work Experience with Job Description attached)
Personal Attributes;
Quick Learner, Flexible, Team Player being a Leader and a Member, Taking Initiatives & Responsibilities, Ready to
Take Additional Tasks/ Jobs & Assignments, Focused & Result Oriented with Time Frames, Taking Pressure as an
Opportunity, Congenial Working Behavior, Self Motivated.
Academic Qualifications
Professional Masters in Administrative Sciences from
(2000) University of Karachi
Computer Skills

2. Proficient in MS Office and different banking soft wares
(August 06, 2003 – To date)
BANK ALFALAH LIMITED
Credit Administration Division
Commercial- Corporate &
Mortgages Department
Managing & Monitoring Pre & Post Disbursement CAD operations for south region based on analysis of Credit Risks
and its mitigation, compliance of Bank’s & Regulator’s policies Procedures, Guidelines & local Laws.
Team Member Documentation & Review Credit Administration.
Corporate, Commercial, SME facilities for Interior Sindh & Balochistan (2012 to Date)
 Preparation of charge/security documentation as per terms & conditions of approved Sanction Advise for all
credit facilities including fresh/renewal limits, Excess Over Limit(EOL), One Time Transaction(OTT) etc & to
co-ordinate respective Business Group in case of any ambiguity.
 To critically review all the Charge and security documents along with insurance and Stock Reports etc.
Responsible for all reviews for Disbursement Authorization of Corporate & Retail Middle Market customers
parked at various branches of Karachi.
 Issuance of Clean/Conditional Disbursement Authorization Certificate/authorizing disbursements after
necessary due diligence and completion of all necessary documentation / formalities.
 Monitoring of all insurances policies, Stock Reports and Sanction Advices of the customers of all assigned
branches and to update status to the business units.
 To ensure compliance of terms & conditions of Sanction Advices, Credit Administration Manual, Bank’s
policies & procedures, SBP Prudential Regulations & policies related to Credit Administration.
 Ensure consistent, accurate and timely delivery of services in line with the approved Service Level Agreement
and Banks’ Policy & Procedures of the bank.
 Prepare & check periodic exception reports of assigned credit portfolio & ensure timely submission.
 Liaison with Business groups for any issues related to their portfolio and for the timely rectifications of the
discrepancies.
 To assist in maintenance of sound and effective credit risk management process.
 Pledge Stocks Inspections.
Manager Credit Administration-Mortgages.
Conventional & Islamic Mortgage- consumer facilities for entire South Region (Sindh & Balochistan)
(July 01, 2007- To date)
Current Job Description:
Responsible for documentation, disbursement, custodianship & settlement of mortgage facilities of South Region
including Islamic Mortgage facilities,
 Holding Bank’s Power of Attorney.
 Authorized Signatory for Facility Offer Letter- Conventional Mortgages.
 Final Signatory for the issuance of Disbursement Authorization.
 Final signatory for issuance of Loan Settlement Certificate & Release of Mortgaged Documents & charge
Redemption.
 To supervise accurate preparation of charge / security documentation as per the terms & conditions of
approvals for all types of credit facilities.
 To ensure all the review activities are done in smooth manner and to ensure timely communication of
deficiencies to respective business units.
 To ensure issuance of Clean/Conditional DAC after necessary due diligence and completion of all necessary
documentation / formalities.
 To coordinate with business groups for release of security / issuance of NOCs upon receipt necessary
approvals & documents.
 Ensure the perfection of securities i.e. completion of mortgage formalities, registration of charges, Lien
marking and compliance of approval’s conditions.
 Managing & monitoring transactions.
 Custodianship/ Vault Management of collaterals, ensure tight controls of safe custody of collaterals and their
accurate entry in safe-in/ safe-out registers. This also includes meeting customer’s subsequent requests
(collateral receipt & release) in an amicable way.
• Ensure strict compliance of credit policies internal & regulator (SBP).
• Screening of Credit Proposals.
• Verification of Credit Documents.
• Screening of external agencies reports. (Valuation, Legal, & Income Estimation)
• Conducting due diligence.
• Active Liaison / coordination with business units, independent property evaluators, & insurance
companies in order to fulfill all terms & conditions of credit approvals.

3. • Screening of Property Documents.
• Obtain legal opinions & completion of all formalities as per legal opinions coordination with the lawyer,
business units & customers.
• Ensure that all title, legal & borrowing documents of approved credit facilities are valid and enforceable.
• Managing data-base/ MIS on documentation tic layer. (i.e. expires / frequencies of disbursements,
borrowing documents, insurance, property evaluations, & retrievals of registered documents)
• Design & maintain different MIS reports
Achievement:
• Consecutive Performance Bonuses
Training:
• “Strategic Thinking” Bank Alfalah’s Learning Center 1 day session
• “Principles of Credit” Bank Alfalah’s Learning Center 2 days session
• “Standardized Approach of Risk Management” Alfalah’s Learning Center 1 day session
• “Mortgage Training Program on Housing Finance” 5 days session (10.11.2008-14.11.2008) prepared by
International Finance Corporation & Canada Mortgage & Housing Finance Corporation conducted by
National Institute of Banking & Finance, State Bank of Pakistan.
________________________________________________________________________________
(July 06, 2006- June 31, 2007) Bank Alfalah Limited
As a Team Leader-South Region: Credit Administration
(Documentation Control Center-DCC)
Special Task:
• Monitoring & facilitating Islamic Mortgages south region.
Achievement:
• Promoted as Manager South Region.
Training:
• “Personal Effectiveness” 2 days session (10.05.2007-11.05.2007)
Bank Alfalah Ltd Training & Development Center
• “Advance Credit” 4 days session (06.09.2006-09.09.2006)
Bank Alfalah Ltd Training & Development Center
_________________________________________________________________________________
(July 01, 2005- June 31, 2006) Bank Alfalah Limited
As a Team Leader-Karachi Region: Credit Administration
(Documentation Control Center-DCC)
Achievement:
• Centralization of Credit Administration Department from the decentralization.
• Promoted as Team Leader South Region.
Trainings Conducted:
• Arrange & design orientation training sessions for the sales department
• Specialized training sessions for DCC staff.
__________________________________________________________________________________
(January 01, 2004- June 31, 2005) Bank Alfalah Limited
As a Credit Admin. Officer-Karachi:
(Documentation Control Center-DCC)
Achievement:
• Promoted as Team Leader Karachi Region.
• Create & setup DCC operations at HO Level with the Team Leader (2 members team)
Trainings Conducted:
• Train new inductees for the DCC operations.
__________________________________________________________________________________
(August 06, 2003- December 31, 2003) Bank Alfalah Limited
As a
• Credit Analyst for Pan Pakistan
• MIS Coordinator for Pan Pakistan
• Insurance Coordinator for Pan Pakistan
Product Development;
• Team member for the implementation of Home Loans on countrywide basis.
• Team member designing new products.
• Design different products repayment schedules.
• Design customized repayment schedule to meet customer’s specific requirements.
Achievement:

4. • Successfully achieved the targets for designing, establishing & running different departments at Head Office
level and achieved the targets for booking the target loans.
Trainings Conducted:
Being a Product development team member conduct & facilitate product orientation programs for the sales, credit
departments & for Branch network.
(January 01, 2001- August 05, 2003)
INTERNATIONAL HOUSING FINANCE LIMITED (IHFL)
(NBFI launched by International Finance Corporation-USA, & Commonwealth Development Corporation-UK, with local collaboration)
Consumer & Commercial Mortgages
(September 01, 2001- August 05, 2003)
Credit & Marketing Officer:
Marketing of Mortgage Products for Commercial properties and Residential Properties, preparation of Credit proposals
and analysis of credit risks based on Company’s and Regulator’s Credit policies, Procedures.
Job Description:
• Assist SVP Credit & Marketing on all matters related to Credit & Marketing Department (C&M)
• Prepare & Process country wide Credit Proposals
• Prepare Income Estimation Reports
• Verification of credit related documents
• Obtain & review CIB reports (Authorized for online CIB)
• Obtain Valuation Reports
• Obtain Property & Mortgage Insurance
• Personally visit the property to be financed and monitor the construction status and utilization of funds in
construction cases
• Issuance of Sanctions Letters
• Coordinating between Head Office and branches
• Rescheduling of existing loans
• Execution of Property Funding Agreements
• Memorandum of Deposit of Title Deed
• Arrange the date of disbursement co-coordinating between lawyer and the customer
• Issuance of Disbursement Cheques
• Recovery of Delayed and defaulted payments
• Prepare Marketing Reports
• Prepare Credit Reports
• Maintain marketing & credit data
Achievement:
• Achieved the target for the year 2001-2002
• Achieved the target for the year 2002-2003
• Granted special performance Bonus after resignation for the year 2002-2003
Trainings:
• “How to Succeed through Customer Services” 04 days session (02.09.2002-05.09.2002)
Pakistan Institute of Management
• “Power User Track (Ms Word & Ms Excel)” 04 days session (08.11.01-11.11.01)
(January 01, 2001-August 31, 2001)
Marketing Officer:
• Visit Companies and make presentations for generation of new business
• Prepare offers for Corporate Deals
• Product packaging to meet customer’s specific requirements
• Issuance & submission of Application Forms
Achievement:
• Confirmed and promoted as Credit & Marketing Officer
__________________________________________________________________________________
(June 26 - July 2000) Study Project
VIBGYOR (Business Management House)
As a Research Executive in a project “Export Answer Book” conducted by Vibgyor in collaboration with
Small & Medium Enterprise Development Authority Pakistan and International Trade Center (ITC),
Geneva - Switzerland.
_________________________________________________________________________________

5. (March - April 2000) Internship
SUPERNET Pakistan Data Services Limited (Supernet)
As Internee in Human Resource Department

6. (March - April 2000) Internship
SUPERNET Pakistan Data Services Limited (Supernet)
As Internee in Human Resource Department