Muhammad Saqib
Accounts, Marketing, Business and Banking
Buraidah
Summary
Experienced credit analyst and accounts officer with a strong background in the banking and industry sector. Demonstrated leadership abilities and a track record of successfully leading teams to achieve financial objectives. Skilled in collaborating with executive leaders to develop effective business, financial, and growth strategies.
Overview
11
11
years of professional experience
Work History
Officer Documentation & Review
Habib Metro Bank Ltd
9 2022 - 1 2024
- Established effective relationships with key stakeholders both internally and externally for increased collaboration opportunities.
- Developing and sustaining long-lasting relationships with customers.
- Screening, recruiting, and training sales employees.
- Calling potential customers to explain company products and encourage purchases.
- Answering customers' questions and escalating complex issues to the relevant departments as needed.
- Developing in-depth knowledge of company products. Maintaining an accurate record of all sales, scheduled customer appointments, and customer complaints.
- Collaborating with the marketing department to ensure that the company is reaching its target audience.
- Informing product developers of possible product improvements and changes to ensure that company products meet current market needs.
- Preparing cost-benefit analyses for prospective and existing customers to determine the most suitable purchase options.
- Analyzing competitors' products to determine product features, benefits, shortfalls, and market success.
- Pay orders, Cash Receipts, Cash Payment, and Utility Bills Collection.
- Weekly and Monthly Balancing. Organizing and Check Daily Vouchers and Prepare.
- Account Opening and Audit.
- Enhanced communication between team members by organizing regular meetings and fostering open dialogue.
- Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.
Credit Risk Control Officer
MCB Bank Limited
01.2018 - 09.2022
- Monitored and reported on aligned group risk concentration, identifying current and emerging risk, assessing risk appetite and facilitating business dialogue.
- Reviewed internal controls documentation, evaluating adequacy and suggesting improvements where necessary.
- Understood risk framework, business policies and available programs, translating into plans for business growth, risk management and threat mitigation.
- Ensured timely resolution of identified issues by coordinating efforts between various stakeholders.
- Performed large dataset analysis to provide thematic insights, identify financial discrepancy root causes and reveal risk levels, simultaneously developing comprehensive remediation plans.
- Streamlined reporting procedures for better efficiency and communication between departments.
- Reduced operational risks through proactive identification and mitigation of potential issues.
- Supported control program implementation, execution, risk identification and mitigation, counseling business leaders on financial risks and advising on remediation strategies.
- Managed a team of junior control officers, providing guidance and mentorship in their professional development.
- Enhanced regulatory compliance by conducting thorough investigations and implementing corrective actions.
Customer Services Officer
Bankislami Limited
12.2015 - 12.2017
- Maintained detailed records of client interactions, ensuring accurate documentation for future reference.
- Implemented process improvements based on performance metrics analysis, leading to increased productivity within the department.
- Streamlined call handling processes for improved efficiency and reduced wait times.
- Described product and service details to customers to provide information on benefits and advantages.
- Provided company information and policies to customers upon inquiry and answered questions via phone, email, or online chat.
- Explained online self-help options to customers to promote additional and after-hours support choices.
- Developed working relationships with internal and external customers while assisting with account management duties.
- Provided support during peak periods, effectively managing workload to avoid dropped calls or missed opportunities.
- Handled escalated customer concerns with diplomacy and tact, finding agreeable solutions that satisfied both parties.
- Proactively identified potential challenges and offered innovative solutions for addressing them before they became critical issues.
- Resolved customer complaints with empathy and professionalism, ensuring repeat business.
- Facilitated successful cross-departmental communication to ensure seamless coordination in resolving customer inquiries.
Acccountant
Season Foods Pvt Limited
07.2011 - 10.2013
- Handled day-to-day accounting processes to drive financial accuracy.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Gathered financial information, prepared documents, and closed books.
- Reconciled accounts and reviewed expense data, net worth, and assets.
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Used advanced software to prepare documents, reports, and presentations.
- Maintained up-to-date knowledge on professional accounting standards to manage financial recordkeeping.
- Managed cash flow effectively, ensuring all company liabilities were met in a timely manner and surplus funds were invested wisely.
- Detected and corrected mistakes early on and implemented systems to avoid recurring issues.
- Reduced expenses by negotiating with vendors for better pricing and terms on services and supplies.
- Assisted in reducing outstanding accounts receivable balances by diligently following up on overdue invoices.
- Prepared and filed tax forms to meet needs of customers.
Education
M.Com - Finance
The Universty of Lahore
Lahore, Pakistan 04.2001 -
B.Com - Accounting And Finance
University of Sargodha
Lahore, Pakistan 04.2001 -
I.Com - Accounting
Govt. M.A.O College Lahore
Lahore, Pakistan 04.2001 -
Matriculation - Bio Science
Govt. Central Model School Samanabad Lahore
Lahore, Pakistan 04.2001 -
Skills
Work Coordination
Report Writing
Emergency Response Coordination
Strategic Planning
Investigation leadership
Report Preparation
Information Verification
Innovation and Creativity
Evidence storage
Search and seizure
Community Relations
Emergency Response
Budgeting and finance
Asset Protection
Timeline
Credit Risk Control Officer
MCB Bank Limited
01.2018 - 09.2022
Customer Services Officer
Bankislami Limited
12.2015 - 12.2017
Acccountant
Season Foods Pvt Limited
07.2011 - 10.2013
M.Com - Finance
The Universty of Lahore
04.2001 -
B.Com - Accounting And Finance
University of Sargodha
04.2001 -
I.Com - Accounting
Govt. M.A.O College Lahore
04.2001 -
Matriculation - Bio Science
Govt. Central Model School Samanabad Lahore
04.2001 -
Officer Documentation & Review
Habib Metro Bank Ltd
9 2022 - 1 2024
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