1. MUHAMMAD FURQAN
Current Address: C/O Mudassir Zaheer, 12/13 Sheet No. 12, Model Colony – 75100 Karachi.
Permanent Address: Mohallah Nizam Abad Ward No.2 College Road, Taunsa Sharif, D.G. Khan.
PH: +92 333 4748254, +92 21 32450302
Email: furookhan@yahoo.com , Muhammad.furqan@sc.com
Objective
My mission is to find challenges and overcome them. Prove worth as skill oriented and task targeted professional with
focus on delivery and achievement of goals of the organization.
Work Experience
Standard Chartered Bank (Pakistan) Limited (December 2010 to date)
Unit Operation Risk Manager, G-7 (Credit Risk Control Department, Main Office Karachi), since January 2013.
Unit Operation Risk Management: Currently working as unit operation risk manager (UORM) and major responsibility
is to prevent the unit from various risks resulting from inadequate or failed internal processes, people and system or
from external events. Coordinate with the team, stakeholders, management and Group for all day to day activities.
Responsibilities include;
• Documentation Reviews: Detailed documentation reviews of sample customers on monthly basis and report the
deficiencies/exception to management for timely resolution.
• Monitoring: Ensure strong and adequate controls and avoid any process breaches which may result any
unexpected loss. Assign tasks to the team and also performs periodic checks (KCIs, CST, Local Health Checks etc) to
identify gaps and breaches.
• Early Alert Reviews: Performs detailed documentation reviews for the accounts which are raised on early alert and
highlight documentation discrepancies if exist.
• Reporting: Review and consolidate all the results and ensure timely submission of all the issues to management.
• Action Plan: Develop processes and action plan to avoid reoccurrence instances and follow up with team for timely
resolution of the highlighted discrepancies.
• Audit Coordinator: Coordinate with internal, external and SBP auditors for smooth and timely completion of audit.
• Any other assignment from time to time.
Previously worked as documentation officer and assignments include the followings,
• Documentation Preparation & Review: Checking of credit approvals and Preparation of the entire standard and
non-standard documentation (facility and Security documentation), its perfection to ensure legal enforceability
and safe custody of documents.
• Security Compliance Certificate: Documentation Lodgment/Issuance of Security Completion Certificate after
ensuring all the requirements from collateral management system.
• Monitoring: Monitoring of insurance and valuation expires, stock reports, stocks inspections, limit expiries,
deferral expiries, dated securities expiries, expired security documents, Covenants and conditions. To perform
regular follow ups for all pending issues and submit progress report to CRC Manager.
• Reporting: Ensure reporting of all pending documentation deficiencies/ covenants deficiencies/ unresolved items.
The Bank of Punjab, Lahore Pakistan (May 2010 – December 2010)
I have worked as Credit Administration Officer (OG-I) handling the portfolio of corporate accounts at main branch, with
respect to their review of credit proposals, pre-disbursement/ post disbursement review, preparation of all documents
(charge & mortgage), issuance of DAC, liaison with vendors, monitoring of finances as well as managing the team for
effectively management.
Habib Bank Limited, Lahore Pakistan (April 2008 – May 2010)
I have worked as Credit Admin / Documentation Officer-Band II (Corporate), Centre Branch, Lahore. Responsibilities
included management of quality loan portfolio independently, in accordance with bank’s
compliance/operational policy guidelines & SBP’s prudential regulations. I handled loan portfolio of
Rs. 20 billion approx. consisting of 36 corporate clients.
• Preparation of control and security documents according to the credit approval and documentation reviews.
Curriculum Vitae – M Furqan Page 1 of 2

2. • Inserting limits and its associated control variables such as line expiry, tenor and disbursement conditions i.e.
pricing etc.
• Ensuring that perfect loan documentation and Custodian of all legal borrowing documentation.
• Reviewing of all credit proposals before submission to HOK for approval.
• Coordination with the internal, external & SBP auditors for timely completion of audit plus rectification of audit
objections.
• Effective management of portfolio through tickler system, maintain credit line expires, offer letter, stock reports,
insurance, stock inspections, credit checking, registrar checking, pledge inspections etc.
MCB Bank Limited, Lahore - Pakistan (April 2005 – April 2008)
Started banking career as Officer Grade III, with twenty (20) Days training at MCB Staff College, Lahore, in all spheres of
banking which include Credits, General Banking & Foreign Exchange Departments. Worked as Credit Risk Control
Officer (OG-II) at MCB Bank Limited, Corporate Branch, EFU House, Lahore being a team member reporting directly to
Team Leader, responsibilities include:
• Scrutiny of approval and preparation of Documentation check list based on approval terms and conditions.
• Preparation of all Security Documents (Charge, Mortgage, financing Agreements, facility offer letters and all other
documents) for all credit lines. Ensure filling and registration of charges/mortgage thereto in concern agencies.
• Safe custody, Line monitoring, processing of stock reports and Insurance, Coordination and Compliance of Internal
and external Audits etc.
• Coordinate line/transaction release and issuance of Disbursement Authentication Certificate (DAC) keeping in view
the existence of security/other terms of approval.
•
Education - Academic
MS Entrepreneurship and SME Management 2012 -- 2014
Department of Economics, GC University Lahore - Pakistan
Master of Commerce (M.Com), Major in Finance 70% 2004 -- 2006
Hailey College of Commerce, University of the Punjab, Lahore - Pakistan
Bachelor of Commerce (B.Com), Major in Accounting 67% 2002 -- 2004
Hailey College of Commerce, University of the Punjab, Lahore - Pakistan
Technical Skills
I have good knowledge about financial statements, financing facilities along with understanding of all the System &
application Software; Microsoft packages mainly MS Word, MS Excel and power point. Throughout my studies and
professional career I have learn and used these skills extensively in preparing my research projects, presentations and
timely disposal of work.
INTERESTS
Interests include poetry and swimming.
Personal Information
• Parentage Muhammad Usman
• Date of Birth 1st September 1983
• Marital Status Married
• NIC No 32103-5491144-9
• Domicile D.G.Khan (Punjab)
• Permanent Address Mohallah Nizam Abad Ward No.2 College Road, Taunsa Sharif, D.G. Khan.
Reference will be furnished on demand.
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