محمد Imran Khan

• Research the market for identifying new business opportunities.
• Develop in-depth knowledge about business development practices, marketing activities and industry trends.
• Perform the background verification of the client (Business & Individual) through SIMAH Report and Compliance Check.
• Spread & analyze financials utilizing Microsoft Moody's and Bank Statement analysis for the prospective clients.
• Preparation of Credit Application and highlighting the background of the business, its activities along with Management Details, Market Analysis and Risks-Mitigant.
• Preparing Credit Report, highlighting the financial analysis and keeping credit exposures within set risk bearing limits in order to determine the degree of risk involved in granting credit.
• Conduct comparative study to ascertain the performance of other establishments/companies in the same industry and geographical location.
• Visiting Clients for Small Medium Enterprises (S.M.E.) and Corporate Clients; incorporating the visit details in the credit application.
• Comply with the timeline set by the Management to complete Credit Application and Report.
• Responsible for preparing monthly and weekly reports such as Collection Watch List, Sales Pipeline, Monthly Booking Reports etc.
• Comprehensive database management and migration from MS-Excel to MS-Client Relationship Management (C.R.M.) and Oracle Flex Cube.
• Making recommendations about procedural/policy changes.
• Represented as an Operations Co-Coordinator for the branch.
• Handled Key Accounts to resolve client queries and be the 1st point of contact.

•Worked with U.S based Judgmental Underwriting which is a part of Risk portfolio
•Prime role not only to mitigate risk but also had responsibilities to sell Credit Cards and Unsecured Loans hence associated with SALES.
•Managing credit risk in Commercial Underwriting by ensuring credit to minimum risk business.
•Reviewing large deals for business up to an amt of $500, 000 (approx SAR 1.8 Million), based on the financial information.
•First to be trained from HYD site for Large Deal Under writing (LDU).
•Reviewing consumer and Commercial business credit bureau to ensure correct credit decision
•Processed Business credit card applications & reviewed for credit line increase for 7 Clients- Lowes, SAMS, Wal-Mart, Old Navy, GAP, banana republic & Amazon, both on and off call.
•Prepared the Daily Sales Report, which depicts the health of the process with respect to CTQs (Critical to Quality) like Service Levels, Productivity and Deal Accuracy.
•Verification of Personal and Business Information on the application with the help of various verification tools like Credit Rating Agencies.
•Ensuring Fraud captures and zero Fraud losses.
•Ensured 100% Compliance on Office of Foreign Asset Control - US Govt. mechanism to control and extend credit to the creditworthy.
• Attended workshops such as Effective Time Management, Enhancing Customer's Experience.
• Handled Team of 15 members as a designated supervisor in case of escalations.

•Position of Counselor/ Sales Representative.
•Worked for the client (James Madison High School and Ashworth College, GA) - Online Study Program.
•Prime job to explain the features of the program and enrolling the students.
• Achieved Sales Target along with Quality intact.