Muhammad Zubair Farooq is a seasoned banker with over 10 years of experience in commercial and SME banking, specializing in credit administration, risk analysis, and portfolio management. Currently serving as a relationship manager at Bank Alfalah, he manages a portfolio worth USD 1.20 million and oversees new credit relationships, while previously holding roles in credit analysis and administration. He holds an MBA in finance and has participated in several professional training seminars to enhance his banking skills.

1. MUHAMMAD ZUBAIR FAROOQ
H # 306, St # 10, Kohinoor Housing Society Ferozpur Road, Lahore, Pakistan
+92-0321-477 840 7
mzubairfarooq@gmail.com
[
PROFILE
Motivated and Versatile banker with hands on exposure of over 10 years in Commercial & SME as well as
Corporate Banking i.e. Credits/Advances, Risk Analysis, Financial Analysis, Credit Administration &
Documentation. Possess significant knowledge of Relationship Management, Credit Initiation &
approval, Portfolio Management. Supervised proper execution of the below mentioned back office
functions carried out in Credit Administration Department in support with Operations & Credit
Department and now building up credit portfolio of the branch through SME & Commercial financing.
SPECIALTIES: Commercial & SME Lending, Credit Approval Review & Scrutiny, Documentation &
Collateral Management, System Operation for Credit Application, Portfolio Monitoring & Management, Central
Bank Reporting, Adaptability to new systems and techniques.
OBJECTIVE
Looking for a controlling position in commercial banking industry to utilize my professional skills,
experience & knowledge in Portfolio Analysis & Management contributing towards achieving the organizational goals,
and improving my personal and professional growth as well.
PROFESSIONAL PROFILE
Oct 15- Present Relationship Manager-Credits
Bank Alfalah, Ravi Branch Lahore, Pakistan (Hub Branch)
As RM of retail banking group, I am responsible for establishing existing relationships and
enhancing new credit portfolio by offering different finance facilities under various bank’s products
(CF-Hypo, CF-Pledge, FIM, FATR, SLC, ULC, LG, Acceptance, Acceptance against Pledge of Imported
Merchandise, FAPC, FAFP, ERF etc) to the customers. Responsibilities include;
• Managing existing portfolio of USD 1.20Million and maintaining strong working relationships
for optimal utilization of approved facilities.
• Establishing new borrowing relationships for business (SME, Commercial, Corporate, Trade etc.)
as per bank policies and procedures to enhance bank’s market share and pre-set objectives.
• Analyzing the customer requirement as per his business volume, provided collateral and future
prospect of business.
• Preparing credit line proposals for new borrower as well as for renewals and enhancements and
recommendation to next level for appropriate decision.
• Structuring the credit line facilities as per approved guidelines of the bank and customer needs
followed by micro/macro analysis.
• Negotiate rates/fee and terms with the clients for maximizing profitability of the bank.
• Getting the loan proposals approved from competent authorities.
• Assess and update risk rating on loan portfolio pursuant to policy guidelines.
• In liaison with CAD, fulfilling all post approval formalities/requirements of the approved loans
in coordination with the customer and getting the limit upload in the system.
• Monitor business risk and update changes in risk rating and recommend appropriate
upgrade/downgrade.
• Follow up in providing required documents and information to different offices (regional/group)
at different times.
1 | P a g e

2. • Liaison with SAM department for stuck-up loans, their recovery and/or
restructuring/rescheduling.
June15-Oct 15 Credit Officer- Credit Department
SME Bank Ltd, City Branch Lahore, Pakistan
I was responsible for extending advances portfolio of the branch through fund based and non-
fund based finance facilities.
• Soliciting fresh clients for lending products and maintaining relationship with existing
borrowers.
• Evaluating client’s business by analyzing financial needs, assessing the risk factors involved in
business and possible collateral.
• Analyze complex financial data and extract relevant information; interpret data for the purpose
of determining past financial performance and to project financial viability of the business
venture to grant a loan.
• Analyzes client’s credit capacity and collateral evaluation to determine feasibility of granting a
loan.
• Preparing Cash Flow Management and modeling for working/operating capital requirements of
the project for a feasible end.
• Examine financial statements and evaluate investing opportunities of the borrower with the
degree of risk involved in extending the loan.
• Evaluating liquidity, profitability and credit history of the borrower.
• Preparing financial statements of the proposed borrower as per accounting standards for
granting a financing facility.
• Preparing credit proposal in line with the Bank’s policy and based upon Cash Flow technique of
Central Bank for presenting it in Branch Credit Committee (BCC) as one of its members for
approval.
• Making disbursement to the client in liaison with departments and keeping track of the
repayment of the borrower after disbursement.
Nov 11-June15 Manager, Credit Administration
SME Bank Ltd, City Branch Lahore, Pakistan
SME Bank Ltd, Faisal Town Branch Lahore, Pakistan
Managing Credit Administration Department within the branches, to ensure Loans are disbursed
adhering to the existing policy guidelines, with due monitoring of Mortgage Formalities, Legal
Documentation, Monitoring of Securities, Insurance & Stock reports.
Job Duties and Responsibilities:
• Reviewing sanction advice in connection to its approval for institutional as well as SBP policies &
procedures by the Competent Credit Committee.
• Monitoring the mortgage process & its execution along with its registration/noting of lien in the
relevant departments in liaison with the legal counsel.
• Ensure effective safeguards, controls, safekeeping of all facility/collateral documentation,
maintain/update proper record and monitor/review system generated reports.
2 | P a g e

3. • Issuance of Disbursement Authorization Certificates after final review of charged & security
documents.
• Liaise with Operations Department for proper feeding of approved limit and updating of limits
and markup rates in the system.
• Analyze monthly, quarterly and as needed reports and summarize regarding the loan portfolio.
• Arranging valuation of immoveable assets and insurance coverage of assets.
• Ensuring timely submission of reports to Head Office and Head CAD.
• Identify potential credit portfolio problems and follow up procedures for appropriate timely
actions/remedy.
• In liaison with the SAM unit, negotiating the classified loan(s) and finalizing the Write Off
proposal as “Secretary Branch Write off Committee”.
• Chairing the “Review Committee for NPL” as “Secretary” for reduction in NPL through adopting
proper measures.
• Adjusting the classified loan(s) as per approved waiver/remission/reversal and issuing clearance
certificate to the borrower.
• Keep liaison with SAM for court proceedings and providing them any necessary information
timely for disposal of cases briskly.
• Delegate and ensure successful completion of work by the Credit Administration staff.
Sep 2011-Nov2011 CAD Officer
SME Bank Ltd, Ravi Branch Lahore, Pakistan
Responsible for credit administration functions at the branch. Responsible for following tasks;
• Check documents of loans to authenticate their validity for safeguarding Bank’s interests
including reviewing the collateral documents.
• Coordinate for legal formalities to facilitate the legal advisor in all possible ways to help in
protecting the interests of the Bank.
• Constantly monitor activities after the disbursement of the loan, to ensure that adequate margins
are maintained.
• Preparation, review and perfection of facility documentation, to ensure full compliance with the
Bank’s internal and legal policies.
• Making disbursements to the borrowers in liaison with operations department ensuring to feed
accurate data in the software.
• Maintenance of records regarding insurance, mortgages, revision matrix, document log, collateral
revaluation and follow up on outstanding items.
Jan 2006-Sep 2011 Relationship Officer
SME Bank Ltd, Ravi Branch Lahore, Pakistan
Granted fund based and non-fund based financing facilities to SME clients. Leading the team of
RO’s & managed the portfolio. Specifically, I was responsible for the following tasks;
• Business evaluation by analyzing the financial needs of the business and undertaking Risk
Assessment Analysis of various types of lending proposal.
• Analyze complex financial data and extract relevant information; interpret data for the purpose
of determining past financial performance and to project financial viability of the business
venture to grant a loan.
• Analyzes client’s credit capacity and collateral evaluation to determine feasibility of granting a
loan.
3 | P a g e

4. • Preparing Cash Flow Management and modeling for working/operating capital requirements of
the project for a feasible end.
• Evaluating liquidity, profitability and credit history of 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 one of its members for
approval.
SPECIAL ASSIGNMENTS
• During visits of “Personal Staff Officer to President” briefed about the Lending portfolio
performance of the branch.
• Arranging regular meetings of branch Credit staff for devising strategy in extending lending
portfolio and recovery of stuck up loans.
• Coordinator of the branch for Internal as well as External Auditors in conducting audit of the
branch and rectifications as pointed out by them.
EDUCATION
CFA Institute-United States of America
CFA-Level-1 Candidate
Master of Business Administration - 2005 with major in Finance
Government College University, Lahore
PROFESSIONAL TRAININGS
Jan 23, 2006- Jan 27, 2006 Bankakademie International, Germany
Bankakademie International, a German Consultancy firm selected me for SME Bank Ltd 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.
June 01-02, 2011 State Bank of Pakistan, Lahore
Participated in a training session “SME Finance Cluster Training” for development of SME sector
in Pakistan organized by State Bank of Pakistan.
Nov 20-21, 2015 Bank Alfalah, Lahore
Attended two days session on “Foreign Exchange in Trade Finance” organized by BAFL.
AREAS OF EXPERTISE
Business Valuations & Development
Financial & Risk Analysis
Cash Flow Management
Presentation Skills
4 | P a g e