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[QUOTE=Guest-IJT;149601][b]Name [/b]: MUHAMMAD SAEED AKHTAR
[b]Email [/b]: msaeed77 AT hotmail.com
[b]Designation / Skillset[/b] : CREDIT/ CREDIT ADMINISTRATION/ RISK MAMNAGEMENT
Though I have banking career of more than 30 years; important assignments held by me in the last 10 years are given below for quick look.
1. MANAGER RCAD (north*) ALLIED BANK LIMITED MARCH,2007- MARCH,2010
 (MG-6{vice president} ) (RISK MANAGEMENT GROUP)
 *North – 8 regions & 235 Branches comprising Azad kashmir +Frontier Province + Islamabad+ part of Punjab Province.
 
2. HEAD CAD (SOUTH) ASKARI COOMMERCIAL BANK JANUARY,2007- MARCH2007
 SIND/BALUCHISTAN/KARACHI
3. REGIONAL GENERAL MANAGER/
 SENIOR VICE PRESIDENT CREDIT (MUL/ISB) HABIB BANK LIMITED 2003-2006 
 
4. GENERAL MANAGER C.A.D HABIB BANK LIMITED 1998-2003
 COUNTRY HEAD RETAIL(RBG-POSTED AT KARACHI ) 2000-2001 
 {23 Regions comprising 1400+ branches of entire retail banking}
 
 SME (NORTH- AT LAHORE) 2001-2003
 CORPORATE(NORTH-AT LAHORE) 1998-2000
With the above few words/explanation I present my case & hope to be given chance to work in your Organisation.
With Regards.
M.Saeed Akhtar

[u][b]Resume[/b][/u] :
 
 
CREDENTIALS
Performance driven insightful Executive with more than 30 years of experience & proven ability to achieve & exceed business –development and revenue –generation goals in high pressure environment.
- Skill at consulting with client s to analyze their financial situations and develop strategic solutions to further their financial- planning goals.
- Relationship-development expertise that complements the ability to build solid client base.
- Comprehensive knowledge of and experience in leveraging numerous investment instruments in a variety of complex scenarios.
- Proven leadership and team-building skills.
RELEVENT EXPERIENCE
Credit Analysis and Risk management
- Implementation of T-24 in ALLIED BANK LTD NORTH-RISK MANAGEMENT..
(ABL is the only big bank of Pakistan which is on T-24 & being Head North, successfully converted/transferred all the relevent Loan/credit data + Documents of 235 braches/8 zones { Corporate/SME/Retail }with portfolio of Rs. 40.00 Billion to T-24. ) in the years 2007-2010
- Financial analysis/evaluation/projections and monitoring of credit relationships and making recommendations of exposure levels/line structures.
- Structuring and Processing of loan approvals.
- Evaluation and credit analysis including risk assessment of new clients for initiating credit relationships.
- Monthly/quarterly review of portfolio ‘s risk assessment /rating
- Loan monitoring and administration-Legal documentation;compliance;audit etc
- Maintaining day-to-day contact with senior/middle management.
- As a senior member of team, provide general guidance in credit analysis, risk assessment and accounts administration.
 
PROFESSIONAL EXPERIENCE from 1970 till date
WORKED In the BANKS
1. ALLIED BANK LTD PAKISTAN March,2007 March,2010
2. ASKARI COMM. BANK LIMITED PAKISTAN JAN,2007 TO March, 2007
3. HABIB BANK LIMITED PAKISTAN 1970 TO Nov, 2006
 
From 1989 to date
Positions held as-Senior Vice President/Vice President/Asstt.Vice President in the following capacities in Corporate/SME/Consumer/Agri (Credit/Loan Departments) of above mentioned Banks.
1. General Manager Credit } HBL
2. General Manager Credit Admn. } HBL
3. Regional Manager North {Risk Management Group} } ABL
4. Secretary Finance Committee, LAHOR(PUNJAB) } HBL
5. Monitoring of Finances, } HBL
6. HEAD CAD SOUTH( KARACHI) } ASKARI BANK
DUTIES / RESPONSIBILITIES
PRESENT/LAST
 ALLIED BANK LIMITED
Working as Vice President (MG-6)/Regional Manager Credit Administration (North)-comprising 8 Regions and 235 Braches from A.K to NWFP & portfolio exceeding Rs. 40 Billion (Corporate/SME /consumer), with following assignment.
- Conversion of data of entire NORTH RISK MANAGEMENT(funded& non-funded limits) from UNIBANK to T-24.
- oversee, direct and manage the Documentation Process, Collateral Management, New Company Registration and the Documents Warehouse & Archiving and to ensure the quality of proper documentation throughout the consumer lifecycle.
- Ensure that all relevant files are being warehoused and archived properly.
- Prepare different statements/summaries –Overdue/Shortages/Insurance profiles etc for top Management of the Bank
- Monitoring of Post-sanction facilities
- Credit repayments/proper utilization of finances
- Pledge monitoring – sites in NORTH REGION
- Compliance of Prudential Regulations
- Collateral securities- valuations/legal implications
- Ensure safe custody of documents
- Credit Information Bureau. Reports from State Bank of Pakistan
- Provide correct and accurate information to
- Audit, Internal, and External
- Risk Management
and implement their recommendations, exceptions (any items found to be in non-compliance), and other points raised.
- Submit plans for annual needs such as staffing, training, development, equipment,
hardware and software.
PREVIOUS ASSIGNMENTS
 ASKARI COMMERCIAL BANK
1) HEAD SOUTH--- CREDIT ADMINISTRATION DEPTT KARACHI
 
 
 
 HABIB BANK LIMITED
2) G.M CREDIT – MULTAN & ISLAM ABAD REGION --2003-2006
- Rs. 30(M) Sanction Powers{Fresh & Renewal} -SME+ HOUSING + Consumer/ Small/Medium Loans ( including(Agri)
- Enhance Loan Portfolio
- Fetch new business/relationship
- Review Credit proposals
- Assess Credit requirements
- Monitor Credit Exposure vis-à-vis securities
- Adherence to Prudential Regulations OF Pakistan
- Risk Management of the Region/Branches
 
- Portfolio as UNDER
1. Small Medium Size (including Housing Rs. 6..00 Billion
2. Agricultural Rs. 2.00 Billion (Number 5000)
3. Consumer/Personal Rs. 1.50 Billion (Number 25000 )
2) General Manager Credit Admn (Corp/SME/ Retail) 1997-2003
- GENERAL MANAGER –RETAIL BANKING GROUP
Based in KARACHI- comprising 1400+ Branches & 23 Regions of Pakistan
- GENERAL MANAGER –NORTH (CORPORATE)
(Six Corporate centres of Punjab+ NWFP Based in LAHORE
- GENERAL MANAGER-NORTH (SME)
(Punjab+ NWFP)- Based in Lahore
 
4) From1975 to 1989
Worked as Manager/Chief Manager in different locations in LAHORE plus other Towns of Punjab such as Distt. Rahim Yar Khan;Distt Vehari, Distt. Bahawalpur & Distt Bahawalnagar (With sanctioning/disbursing powers for small Agricultural/Consumer/SME Loans to Farmers& businessmen)
5) From 1970 to 1975
Worked as Officer in rural /urban areas of Punjab
EDUCATION
1969 Masters in Mathematics University of Punjab Lahore (Pakistan)
1967 Bachelor in Science University of Punjab Lahore (Pakistan
1976 Banking Diploma (I) Institute of Bankers Pakistan
COURSES/SEMINARS ATTENDED
1. FINANCIAL STATEMENT LUMS UNIVERSITY OF SCIENCES 3 WEEKS
2. COMMERCIAL BANKING STATE BANK KARACHI 4 WEEKS
 IN AFRICAN COUNTRIES
3. COMMERCIAL FINANCING INSTITUTE OF BANKERS ISB 2 WEEKS
4. PROJECT FIANCING HABIB BANK LIMITED KARACHI 4 WEEKS
5. CASH FLOW/ BALANCE SHEET ____________do__________________ 2 WEEKS
6. EXECUTIVE DEVELOPMENT _____________do___________________ 2 WEEKS
COMPUTER COURSES Various courses including MS OFFICE from
 Reputed institutes like NCR (multinational)
 
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[b]More Information about this submission and submitter [/b]:-
___________________________________________________
[b]Submission ID  [/b]: 4460835
[b]Date & Time  [/b]: 9th Aug 2011 4:13 AM (UTC)
[b]IP Address  [/b]: 119.73.43.162
[b]Browser Info  [/b]: Mozilla/5.0 (Windows NT 6.0; WOW64) AppleWebKit/534.30 (KHTML, like Gecko) Chrome/12.0.742.122 Safari/534.30
Predicted Country ;: Pakistan[/QUOTE]

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