Imtiaz Hussain Bugti

- Preparation of Credit Applications of the client for asset financing (Both direct and sale-and-lease back) and working capital finance. This includes ensuring compliance with regulatory requirements, comparisons with industry norms and averages and adherence to Bank credit policy and procedures.
- Presentation of business deals in the Credit Committee.
- Analysis of client’s business details and scope of works.
- Analysis of Financial Statements.
- Handing, Execution and Controlling of Trade Finance, Working Finance and Project Finance related transactions.

Review of credit proposals.

- Undertaking risk assessment analysis of various types of credit proposals for Project Financing, Working Capital requirement, Import & Export, Letter of Credit and Demand Finance etc. of existing and prospective SME and Corporate / Commercial clients and also the Govt. Dept. This includes ensuring compliance with regulatory requirements, comparisons with industry norms and averages and adherence to Bank credit policy and procedures.
- Compliance of Prudential Regulations by State Bank of Pakistan.
- Closely monitoring the practices and procedures of the branch’s staffs.
- Analyzing financial information, such as audited financial statements, management accounts and projected financial statements to assess financial strength of clients.
- Preparation of credit proposals, obtaining relevant approvals to ensure timely processing of transactions.
- Monitoring the credit portfolio of lending branches of the two regions.
- Perform annual reviews of all customers through review of publicly available material, along with other 3rd party reports and references.
- Perform special project as assigned by Management.
- Performed services on special assigned target of audit and takeover of Credit documents from lending branches to CRCD (Credit Risk Control Division) to mitigate risk as a “Officer on Special Duty” on given time frame.
- Maintained historical studies of customers by compiling and analyzing financial developments; comparing industry and company statistics.

- Maintaining credit portfolio around 1Billion consisting of Running Finance, Cash Finance, Demand Finance, Leasing, Bank Guarantee etc.
- Assessment of Financial Worthiness of Clients.
- To maintain relationship with clients according to their financial needs.
- To prepare & review credit proposal with prudential regulations.
- Analysis of financial statements, understanding their business cycle and the the financial need of their business.
- To ensure the accounts remain regular by daily monitoring of portfolio.
- To ensure obtaining proper documentations of advances portfolio as per Credit Risk Control Division Policies.
- Weekly, monthly & quarterly balancing and reporting to regional and Head office. (Classification of advances and CRMIS etc.)
- Liaison with Auditors, Regional office & Head office

- Inducted in Trainee Officer batch of MCB Bank Limited
- Worked in Cash Department.
- Worked in Clearing Department (both inward & outward).
- Worked in Remittances Department (both inward & outward)
- Worked in Credit Department.
- Worked on account opening.
- Gone through a rotation period throughout the year in different departments of branch banking.

Got Knowledge & worked on following dept.
- Advances
- Remittances
- Forex & Foreign Trade
- Operations and other General Banking Activities