Muhammad Ali

Credit Analyst/Assistant Relationship Manager at Invest Bank

• United Arab Emirates - Fujairah
• My current job since August 2014

Credit Analyst at Invest Bank

• United Arab Emirates - Sharjah
• May 2013 to August 2014

 Prepare and Analyze the Credit Facilities (New limits/ Regular lines / One Off / Renewals/Enhancement) requested by the corporate clients to cater their needs for working capital/ project financing/ trade finance related business needs.
 Responsible for site visit of the company & preparing visit report process for case evaluation with full adherence to KYC (Know your customer) compliance.
 Liaison with customers for requisite information / documents.
 Reviewed in depth and analyzed relevant information, financial statements, documents of all files received.
 To mitigate the risk by evaluating applicant’s financial documents by using ratios analysis, trend analysis/ horizontal analysis, cash flows projections/ checking the working capital cycle of the customer etc.
 Liaison with Credit Administration Department for the disbursement of credit facilities
 Monitoring and recoveries of the credit facilities granted to the borrowers and follow ups with clients.
 Preparation of different report as required by the bank.
 Maintain / exceed turnaround time (TAT) standards agreed with the internal departments.
 Ensuring consistent application of credit policy.
 Responsible for multi-functional assignment as a reliable backup.

Relationship Manager Credits at Bank Alfalah Ltd

• Pakistan - Lahore
• May 2008 to April 2013

 Develop appropriate selling including cross-selling to potential & current customers to facilitate achievement of the business plan.
 Prepare & gain approval for proposals that will meet the organizations' criteria & customer needs.
 Regularly review account performance making appropriate adjustments for optimizing returns.
 Address customer problems & complaints to achieve satisfactory resolutions, coordinating with other units as appropriate.
 Comply with the approval policies, procedures and norms to protect the organization & customers' interests.
 Directing, monitoring and coordinating, evaluations and plans, to guarantee standard running of credits portfolio;
 Responsible for quality control;
 Liaising with all concerned parties like customer, Branch Manager, Area Office, Credit Division, Head Office, legal advisors, Evaluators, Income estimators
 Submitting monthly data of performance parameters to the upper management, along with proposals to eliminate bottlenecks;
 Frequent meeting for preventive maintenance checks and follow ups with Credit Manager/ Branch Manager;
 Performing smooth audit both of Internal audit, State Bank of Pakistan -SBP Audit;
 Making assure that due compliance is made in accordance to Banks policies and central bank regulations

Credit Officer at Bank Alfalah Ltd

• Pakistan
• August 2004 to May 2008

 Managed assigned portfolio (SME/Commercial/ Corporate accounts).
 Followed through modus operandi including credit initiation, preparation of credit proposals, obtaining credit approvals, post approvals, liaison with legal, Credit administration Department for facility disbursement.
 Coordinating with Internal & External Audit/ State Bank of Pakistan (SBP) audit and full compliance of banks procedures & regulations.