Muhammad Umair Khan

• Process, recommend/approve (within my Delegation of authority) Business credit applications (Business operating Line of credit, term loans, overdraft protection, Auto loans, credit cards, Letter of guarantees, Letter of credit, etc.), as per Bank policies and guidelines. Applies experience and seasoned knowledge, skills, and practices to perform a variety of assignments.
• Identify, plan, and deliver the best solutions to clients and prospects based on strong knowledge of the clients business and operational requirements.
• Perform risk assessment and due diligence, analyze individuals or firms credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Cultivate and maintain relationships with partners to maximize business opportunities and referrals.
• Provide coaching and support to new advisors in the team.

• Engage with clients uncovering banking and credit needs, providing help and advice, identifying client-centric solutions and referral opportunities.
• Responsible for processing, recommending/approving (within my Delegation of authority) Personal credit applications (Line of credit, consolidation loans, overdraft protection, Auto loans, personal loans, credit cards, home line plan mortgages/ mortgage-Add-on /refinance, mortgage maintenance, etc.).
• Focus on client education and digital adoption, leveraging various technology platforms to deliver an exceptional client experience and deepening and retaining client relationships
• Worked as an Expert Role Model, gave coaching and support to new advisors in the team

making every client interaction exceptional. Educate and assist clients with using RBC digital capabilities.
• Focus on helping clients when they need us most, by responding empathetically to various questions, assisting with a myriad of banking solutions, and resolving client concerns at the first point of contact.
• Contribute to team results by supporting all colleagues to be successful in meeting client needs

• Responsible for providing superior customer service through handling customer inquiries, opening and closing of utility accounts, addressing payment arrangement requests, billing inquiries, collection-related queries, deposit assessment, etc.
• Resolving product or service problems by clarifying the customers complaint, determining the cause of the problem, selecting and explaining the best solution to solve the problem, expediting correction or adjustment, and following up to ensure resolution.
• Educated customers on the features and benefits of the clients products, clearly and understandably. Consistently achieved specified monthly metrics for quality, call handling, and administrative functions.

• Conducted extensive credit analysis, financial analysis, risk assessment, and recommended credit applications for onward approvals.
• Completion of pre-disbursement and post-disbursement formalities, along with consistent monitoring of financing portfolio to ensure appropriate yield for the Bank. Strong follow-up from customers, to ensure timely repayments of the loans.
• Trained branch sales team in customer acquisition, initiation of credit limit applications, processing of credit transactions in line with respective process flows, and resolving transactional issues.
• Liaison with all internal stakeholders such as Finance, Risk, Legal, Credit Administration, Human Resources, etc.
• Handled Audits (Internal, External, Central Bank, Compliance) for customers.

• In addition to the Credit Analyst role, I was assigned to perform the HR Coordinator role as well by my line manager (Head SME Commercial). I was responsible for completing and analyzing the staf credit facility applications as per the guidelines, and preparing their cases for management approval. Shortlisted candidates, did initial screening interviews then recommended same to line manager. Assisted line manager in hiring, conducting interviews, arranging ofer letters through the Human Resources department, completing required hiring documents as per policy, and getting staf on board. Looked after all staf human resource afairs including quarterly/yearly performance evaluation ratings and rewards.

• Identifying, facilitating, and tapping potential customers for Fund and Non-fund based facilities of Banks.
• Preparation of complete credit package for onward approvals. Responsible for pre disbursement and post-disbursement formalities along with continuous monitoring of credit portfolio.
• Responsible for processing day-to-day customer requests; including but not limited to account balance inquiries, account statements, cheque deposits, fund transfers, signature verifications, and loan maintenance.
• Execute the strategy with calls and visits, client needs assessment, and continuous follow-ups to maintain and expand customer relationships.

• Processing of complete credit application package for Small and Medium and corporate customers. Responsible for pre-disbursement and post-disbursement formalities along with continuous monitoring of credit portfolios.
• Work in close liaison with other business units to ensure that the highest professional standards of services are provided to Bank customers while ensuring the lowest expenses.
• Successfully achieved Branch volume & profitability targets.
• Demonstrated team spirit by sharing independent research, experience, and knowledge with juniors.