طلحة خان

• Managing and enhancing existing commercial / SME financing portfolio of 21 branches including guarantees and Trade customers.
• Manage relations with other interlinked departments for smoother processing and operations.
• Maximizing returns on cash investments. Selecting the best short term investment strategies to invest surplus funds in security exchange and private placements.
• Liaising with other bank for foreign exchange, money market limits.
• Supervise timely preparation of Credit Proposals of fresh customers by Credit Hub Managers and Officers to arrange timely submission of renewal credit proposals for existing customers.
• Solicit acceptable new relationships in order to meet the pre-set financial and non-financial objectives.

Managing and enhancing existing commercial / SME financing portfolio of 21 branches including guarantees and Trade customers.
• Manage relations with other interlinked departments for smoother processing and operations.
• Maximizing returns on cash investments. Selecting the best short term investment strategies to invest surplus funds in security exchange and private placements.
• Liaising with other bank for foreign exchange, money market limits.
• Supervise timely preparation of Credit Proposals of fresh customers by Credit Hub Managers and Officers to arrange timely submission of renewal credit proposals for existing customers.
• Solicit acceptable new relationships in order to meet the pre-set financial and non-financial objectives.

• Managing and enhancing existing commercial / SME Islamic financing portfolio of 8 branches including guarantees and Trade customers.
• Negotiate import and export rates from treasury for retirement of LC documents.
• Dealing in foreign exchange for exchange gains from foreign remittances.
• Maximizing returns on cash investments. Selecting the best short term investment strategies to invest surplus funds in security exchange and private placements.
• Liaising with other bank for foreign exchange, money market limits.
• Keeping management informed of any changes in the treasury portfolio.
• Achieved trade figures of 2.8Bn and credit lending of 1.6Bn (Incremental) in 2017.
• Solicit acceptable new relationships in order to meet the pre-set financial and non-financial objectives.
• Market existing and potential clients and offer Islamic products and services offered by the Bank.
• Directly report to Regional Credit Manager - Karachi East Region

2012 - Till date Bank Al Habib Limited Karachi, Sind
OG-2 (Branch Banking / Operations)
• Carrying out AML (Anti-Money Laundering) and KYC (Know Your Customer) formalities during account opening process.
• Dealing with compliance issues raised by Banking regulator (SBP) and internal audit department.
• Maintenance of branch budget and profitability through constant checks and balances.
• Responsible for cross sell to different tier customers upon opening of accounts.
• Marketing of new products to enhance deposit mobilization.
• Carrying out EDD (Enhanced Due Diligence) for compliance, senior management and regulatory authorities at any given time.
• Daily/Monthly reporting to area office with respect to current deposits and low cost deposits mobilization.
• Customer Complaint Resolution, escalating to higher management if needed.
• Assist Branch Manager in audit compliance.

2008 - 2012 HBL (Habib Bank Limited) Karachi, Sind
AUDIT Officer (CBG/RBG Internal Audit)
• Schedule, conduct and organize risk based audits/ review of corporate / commercial and retail centers of HBL.
• Check/ Review audit reports and working papers created by other auditors.
• Carry out special investigations into allegation of fraud, money laundering and forgery related matters at the request of management.
• Provide training to new auditors (ACCA trainees)
• Generate management reports as demanded by the regional audit head and chief internal auditor
• Conducted comprehensive review of non-performing loans (NPLs) with respect to their classification, provisioning, suspense booking and recovery options.
• To evaluate the adequacy, effectiveness and efficiency of internal controls within the bank and identifying control deficiencies and making appropriate recommendations to the management for their resolution.
• Conducting special assignments for review of different ledgers of bank through Misys and making recommendations to the concerned centers for their resolution.
• Identifying short recoveries and reporting deviations as mentioned in Schedule of Bank Charges.
• Providing ongoing advisory services to branches and acting as a point of contact for audit related queries from them.
• Suggesting improvement of audits, including but not limited to automated auditing and control self assessments.
• Audit branches ( Corporate, Commercial & Retail) with respect to Branch operations (Cash, Remittances, Collections, CD/SB, Clearing, Accounts, Income/Expenditure & IT)

Special Assignments
• Comprehensive audit of Credit and Retail Lending Dept.
• Comprehensive audit of Credit Card Operations.
• Special Review of HBL Non-Performing Loans ( NPL) and Provisioning Accounts
• Review of Schedule of Bank Charges (SOBC) and making appropriate suggestion/ recommendations.
• Desktop review of Mark-up receivable and Mark-up suspense accounts.
• Review of Staff Accounts.
• Analysis of Deposit Variance in Corporate and Commercial Centers of HBL.

Joined on 21 October 2008.
Resigned on the 25 November 2012.