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Muhammad Zubair Farooq


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Banking professional having wide experience in financing.

Published in: Economy & Finance, Business
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Muhammad Zubair Farooq

  1. 1. MUHAMMAD ZUBAIR FAROOQ H # 305, E-Block, St #6, Gulberg III, Lahore, Pakistan +92-0321-477 840 7 [ OBJECTIVE Looking for a position in a dynamic organization not only for the purpose of career advancement but also as a challenge to my knowledge and abilities to gain skills and expand comprehensions in profession. PROFESSIONAL EXPERIENCE Jan 2006-Present Relationship Officer SME Bank Ltd, Ravi Branch Lahore Responsible for extending fund based and non-fund based financing facilities to SME clients. Specifically I am responsible for the following tasks; • Develop & maintain relationships with existing and potential SME clients. Identifying & pursuing new business as well as ensuring a positive goodwill of SME Bank Ltd in the financial service market. • Screening & verifying the collateral & business of the client. Analyzing the financial need of the business by extracting relevant information by the borrower. • Preparing credit proposal in line with the Bank’s policy and based upon Cash Flow technique of Central Bank for presenting it in Area Credit Committee (ACC) as a member of ACC. • Ensuring proper preparation and execution of loan documents by coordinating with Credit Administration Department as well as assist the borrower to provide the relevant documents timely to the Bank. • Timely reviewing the loan projects for necessary processing, this involves review of internal rate, collateral value and its expiry. • Keeping regular track of the client performance against deliverables. It involves regular & timely preparation of monitoring reports and taking stock/machinery report from the borrower. • Maintaining detail of non-fund based facilities extended to clients and ensuring its reporting in the software according to terms & conditions. Additional Assignments Credit Administration Department • Providing information of Credit meetings along with the regular reports on Credit exposure, over dues for perusal of management & recovery as well as preparing eCIB for Central bank reporting. • Ably manage compilation of standard loan documentation, as per approved security. • Ensuring all security documents are held in safe custody and a checklist is maintained in credit files and making disbursement to clients after properly execution of collateral.
  2. 2. • Reviewing approval from concerned authority for permanent release of collaterals, security documentation and ensuring there are no liabilities or out standings and facilities are cancelled. • Pursuing the litigation cases and keeping record of such cases. Taking appropriate measures for their recovery. Operations Department • Regularly generating reports pertaining to deposits, cost of deposits & its classification as well as reconciliation & fund position of the branch. Further I also fill customers account opening form and KYC form. Compliance Assisting the compliance personnel in getting the required information. • Ensuring to rectify the pointed objections & also ensuring compliance of internal bank policies & Central Bank’s circulars issued time to time along with rectifying discrepancies/deficiencies in credit files and documents. MIS Dept. • Executing start of day & end of day of the branch by enabling users to use PIBAS software for operations proceeding. • Taking backup data on DLT is also included in my tasks. Dec 2005-Jan 2006 Loan Officer-Trainee Systems Ltd I worked under the guidance of an American Consultant for a project about Mortgage Base Lending. Focused on Mortgage base lending techniques, procedures in USA and evaluation of borrower’s characteristics. EDUCATION CFA Institute-United States of America Participated in CFA-Level-1 Exam June 2010 Master of Business Administration - 2005 with major in Finance G. C. University, Lahore Bachelor of Science – 2003: (Economics, Statistics, Mathematics) G. C. University, Lahore TRAININGS Jan 23, 2006- Jan 27, 2006 Bankakademie International, Germany Bankakademie International, a German Consultancy firm inducted me in SME Bank Ltd service and provided one week intensive class room training at State Bank of Pakistan, Lahore on SME Lending. I served under their supervision for 06 months to enable the SME sector to contribute in economic development. Jan 07, 2008 SME Bank Ltd, Islamabad Attended one day seminar about Credit Procedures at Islamabad. SKILLS
  3. 3. Proficient in English & Urdu Language Adept in group & individual presentation Strong organizational & analytical approach Planning & Management skills Microsoft Office, word, excel, outlook, Power Point, Access