KHADIM HUSSAIN LASHARI

ASSISTANTMICROFINANCE OFFICER (AMFO) at The First MicroFinance Bank Ltd

• Pakistan
• August 2013 to July 2014

Dadu District Sindh.

Duties and Responsibilities
• Way to Apply the Pesticide
• Management the pesticide and it's storage
• Identified the pests and it's control
• Increasing the pesticide use in Rural area
• Crops disease control and treatment.
• High yielding production of Crops

FIELDAREA IN DISTRICT DADU
• TalukaJohi UC/ Monder,
• UC/ Phulji UC/ Piaro Station

• AS ASSISTANTMICROFINANCE OFFICER (AMFO)
From 1 August 2013 Currently working in The First MicroFinance Bank Ltd. Dadu Sindh.

Duties and Responsibilities
• Analyze the Consumer credit requests against the consumer lending guidelines as a basis for making approval / decline recommendations.
• Verify Compliance to consumer lending policy requirements through inspection of ability to pay, fulfillment of consumer MOU requirements and proper documentation to ensure credit risk is adequately mitigated.
• Review existing consumer relationships and making recommendations to the management to aid quality consumer lending.
• Prepare draft board papers for review of any consumer lending product facilities and guidelines for further review and further approval by the management.
• Prepared clear concise written summary of analysis supporting a respective decision for small business loans.
• Identified / mitigated key credit risks.
• Supervised underwriters and administered training for the small business credit staff
• Identified business credit applications that require enhancements.
• Maintained conditions of lending and was involved with post approval review with the post approval team to ensure conditions of lending are met or appropriately mitigated prior to loan closing.
• Monitoring the recovery rate, credit position in the field, dues and client behavior
• Preparation/ evaluation of credit feasibility reports for micro investment plans from the community members.
• Presenting the micro financing policy in the community meeting.
• Maintaining and updating the credit record in MIS (Management Information System)
• Updating the daily cash flow statement of the credit section.
• Conducting the first appraisals and recovering the monthly installments in the field visits after the loanees.
• Disbursement of credit cheques to the loanees in the community organization (co) meeting along with the repayment schedules.
• Submitting monthly progress report to the regional credit section.
• Reconciliation of recoveries with the bank statement at sou level.
• Assisting and providing technical support to the community organization and social organizer.


PROFESSIONAL STRENGHT.
✓ Self-motivated, Energetic, Hardworking with ability to understand concepts instantly.
✓ Good interpersonal, communication skills and have self-learning ability.
✓ Motivation power and able to solve all problems with confidently.


VISION
❖ To enable the disadvantaged people to build a sound and secure future with dignity and pride and not merely survive.
❖ Alleviation of poverty through sustainable economic development.
❖ To help strength the enterprenual base of the economically disadvantaged population across the country by seeking to marry entrepreneurship with capital formation in not only rural areas but also the major population centres.