Credit Analyst
First Gulf Bank ( Aseel Islamic Finance)
Total years of experience :22 years, 9 Months
A key position in credit department for conducting due diligence Commercial Loans, Ijarah, SME Loans, ensuring compliance with the management policies, reviewing existing systems to identify any control weakness and examining Central Bank & worldwide watch list compliance to ensure the secure lending. Key contributions;
• Ijarah, Commercial corporate & SME Loans applications processing, analyzing & reviewing financial capacity, cash flows, repayment capability, bank account analysis, business profile etc.
• Due Diligence of financial statements for Ijarah, business, commercial & corporate loans
• Financial reviews and ratio analysis
• Prospective cash flows
• Central bank compliance
• Norkom and worldwide
• Review, Finalization & recommendation of SME & Ijarah Loans
• MIS, Property Management
AMFAH CONSULTING (PVT) Ltd.
Business & Financial Consultants.
July 2007 To Todate
Office No. 2, 2nd floor, Sardar Arcade Center G 11 Markaz, Islamabad- Pakistan.
CHIEF EXECUTIVE OFFICER
AMFAH consulting offers consultancy services to the business sector including both public and private sector organizations and is enlisted with various companies, banks and public sector organizations. We apply our expertise to the overall business ecology to devices sustainable solutions because we believe that sometimes the destination is near than people anticipated.
We realize that our services are the basic need of any business, as we present ourselves to solve the problems with their best possible solutions. We perform our duties with full commitment to facilitate our valuable customers through our well experienced professionals, who carries vast experience in their respective fields. AMFAH is a group of professionals, handling their respective departments and areas, being working under one umbrella.
Consulting is enlisted with various companies i.e. banks, public and private sector organizations. AMFAH is working with national and international organizations, formulate strategies and business plan as per their business requirement. AMFAH Consulting is also a resident financial consultant for international NGO's and donor agencies in Pakistan like Bloomberg (USA) and The Union (France) . In addition to these, AMFAH is also working as Real Estate consultant, duly deputed by Society Registrar Office, Islamabad, and conducting investigation audit and due diligence reporting for all the housing societies of twin cities of Rawalpindi / Islamabad.
We offer following services to enhance your growing business strength.
• Due-diligence and Assurance Services
• Accounting and Book Keeping
• Income Tax & Sales Tax Consultancy (companies, individuals, partnership concerns etc)
• Accounting software development (System Development)
• Completion & compilation of all incomplete account records
• Transformation of all Manual records to computerized records
• Corporate consultancy (Incorporation of companies, NGO's, registration of firm etc)
• Banking and business financing consultancy ( Financial Appraisal/Income estimation, Fresh, Swap & Balance Transfer facilities at attractive terms) - (Askari Bank Ltd., Bank AL-Habib. Bank Al-Falah Ltd., MCB Bank, Soneri Bank)
• Feasibility Studies (encircling all business sectors for existing and new projects)
• Business Plan Consultation
• Advertisement and marketing Services, Real Estate investment Advisory
• Web development
International Union Against Tuberculosis and Lung Disease is around 100 years old organization working globally against the TB, tobacco, asthma and other lungs disease, giving trainings more than 83 countries.
Bloom Berg is USA based NGO working globally against Tobacco and its harmful effects. Both organizations funding for the Nobel cause, being the part of both organization worked as financial Consultant & reporter for their grants in Pakistan. Scope of work included the followings in short brief:
• Funds Utilization and monitoring according to polices of the project awarded
• Due Diligence (Assurance Services)
• Finalization of Financial Statements, documents for Statutory External Audit.
• Finalization and review of monthly and quarterly Financial Reports.
• Preparation & Review strategy planning, budgeting and project completion.
SKP CONSULTING LIMITED/ SAEED KAMRAN PATEL & CO./ KABANI & COMPANY
(CHARTERED ACCOUNTANTS)
October 06, 2004 TO June 2007
2nd Floor, Buland Markaz, 33 - West, Blue Area, Islamabad- Pakistan
REGIONAL MANAGER North & Islamabad
SKP Group is a leading consultation company that has been around for more than 30 years. Founded in 1981 and is head quartered in Lahore with a network of nine branches all over Pakistan. SKP Group is a one stop shop for the foreign brands / companies to establish a footprint in Pakistan. We have delivered excellent results in a diverse set of industries and economic sectors including law, human resource, technologies & carbon. Being the pioneer in providing business appraisal services, more commonly known as income estimation services, SKP is now recognized as one of the well-established consulting firms. Key contributions:
• Signatory of Bank Financial Appraisal Reports (Mainly- Askari, Alfalah, MCB, Soneri, ABN Amro, Faysal Bank )
• Deal With all main banks (Islamabad till north )
• Finalize the Internal & external audit.
• Finalization of documents for Statutory External Audit.
• Finalization of monthly and quarterly accounts.
• Finalize Statements of tax deduction, Income Tax returns, Sales Tax Returns.
• Preparing the profitability reports and analysis.
• Computerization of accounts.
• Conduct the internal audit of various organizations (MOF, PAKTEL, and PAKCOM) and design the system of internal controls.
• Review of compliance with Code of Corporate Governance.
• Filing of various corporate forms.
• Preparation of tax returns of individuals, firms, societies, and companies.
• Advice to clients regarding the tax planning of their employees and corporate tax planning.
KPMG TASEER HADI KHALID & CO. (CHARTERED ACCOUNTANTS) FEB.2002 TO OCTOBER 2004
6th floor State Life building No.5 Jinnah Avenue Blue area -Islamabad
Senior Auditor
Working as Audit Assistant in Assurance Dept. of TASEER HADI KHALID & CO. Chartered Accountants (member firm of KPMG International)
During my stay with THK I have gained valuable experience in financial analysis, business reviews, strategy planning, project completion, and team coordination on a number of assignments relating to various types of businesses.
Durint training at THK I have conducted audits of following clients:
Manufacturing Sector:
• AWT-Nizampur Cement Project.
• Murree Brewery Group of CO.
• Murree Glass
• Tops Division
• Liquor Division
Non-Government Organizations:
• Pakistan Micro Finance Networking (PMN)
• Trust for Voluntary Organizations (TVO)
• Aga Khan Rural Support Programme (AKRSP)
• National Rural Support Programme (NRSP)
Service sector:
• Afridi Angell & Khan (Lawyers Partnership)
• Pearl Tours & Travels (Pvt.) Ltd.
• Blue Lagoon Restaurant.
• Islamabad Marriot Hotel
• Islamabad Serena Hotel
Financial Institution:
• National Insurance Co. Ltd.
• Askari General Insurance Co Ltd.
• Asian Development Bank.
• EFU Insurance Co. Ltd.
Others:
• Army Welfare Trust (Head office & Consolidation)
PAKISTAN STATE OIL
Sep. 2001 top Feb. 2002.
Internship
Worked as Accounts Assistant in Pakistan State Oil, Regional Office, and Rawalpindi. During the stay at Pakistan State Oil gained valuable experience and dealt with billing, recovery & maintenance of accounts related to defense organizations & President House. Also computerized and maintained record of all retail outlets of PSO and review their lease status and legal requirements.
Computer Skills
Fluent in following computer software and program.
• MS Office, Internet
• Basic book keeping
• System Analysis and Data Base
• Web page development & publishing (HTML)
• Programming in Fox-Pro
• Sage accounting software, Peach Tree, Quick Book
• ERP
Member and certified chartered Forensic Accountant
Bachelor's in arts
Certificate
