GHULAM MUSTAFAAddress: House# A1 / 73 Block 3 Gulshan-e-Iqbal Karachi

Contact: 0345-2264312Email: mustafaghulam860@gmail.com

D.O.B: February 27, 1989

PROFILE I have an extensive professional experience in Banking and Financial industry of more than 3 years. Currently I am working as a Credit Risk Analyst in Albaraka Bank (Pakistan) Limited and previously worked as Manager Business Development at Emaan Financial Services. I am a successful professional and highly competent team member with a background of extensive hands-on experience in key areas of finance. I have attained considerable success during my professional career. I have done my MBA and BBA (Hon’s) majoring in Finance from Bahria University Karachi. Throughout my career and educational background I have gained comprehensive knowledge of effective business practices that yield bottom line results.

EXTRA-CURRICULAR PARTICIPATION2013 Islamic Finance Awareness Series (IFAS) program 2013 Event organizer organized by Emaan

Financial Services.2011 Participated in P&G brand launch competition “ZEAST Soap”2008 Marketing Seminar “Planning & Development New Product” – Event Organizer Bahria University 2007 Fashion Show “IDEAS”– Event Organizer Bahria University 2007 Participated in Sports Gala Bahria University “Cricket Tournament Winner”

WORK EXPERIENCEJune 2013 – Present CREDIT RISK ANALYST - OG III (CORPORATE, COMMERCIAL & SME)

ALBARAKA BANK (PAKISTAN) LIMITED (CREDIT RISK MANAGEMENT H.O) Brief Description of Core Responsibilities:- Evaluation of Credit Proposal pertain to Corporate, Commercial and SME

segments received from businesses, assuring compliance of Bank’s Credit Policy &SBP Prudential Regulations and other regulatory requirements.

- Risk based analysis/ evaluation of applicants, industry, credit records, and other relevant factors.

- Performing Financial and Qualitative analysis- Extract and analyze data, and summarize findings, and provide recommendations

to mitigate risk factors.- Preparing Credit Summary/ Due-Diligence reports with appropriate

recommendations for approval, rejections or amendments based on Credit analysis.

- Correspondence with relevant business units regarding observations on credit proposal.

- Ensuring and Completion of all the documents pertaining to Credit Application / pre-requisites as well as rectification of objections / irregularities with the predefined timeline.

- Credit Monitoring through Customer Credit file various reports / MIS received from CAD & COD on monthly basis.

April 2012 – June 2013 MANAGER (BUSINESS DEVELOPMENT)EMAAN FINANCIAL SERVICES – PAKISTANBrief Description of Core Responsibilities:

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Provide financial advisory services to local/ International customers on behalf of National Bonds Corporation (NBC) Dubai 100% governed by central bank of UAE.- Managing Business operations, exploring new business opportunities and setting

up meetings for local/ International clients on behalf of NBC. - Managing & Communicating new product developments to High-End Clients- Heading up expansion in new clients as well as continued expansion among

existing clients. - Negotiate and closes business deals. - Provide Financial Consultancy Services to the local and international clients.- Provide Account Opening Facilitation to the clientsand handling remittances of

clients through Dubai Islamic Bank Pakistan for investment purposes in NBC Dubai.

- Processing of Investments through system based. - Managing clients through Social Media.- Managed Launching of National Bonds (Dubai)

July 2007- August 2007 INTERNHABIB BANK LIMITED (NURSERY BR. SHAHRAH-E-FAISAL)TRADE FINANCE - Gained valuable knowledge / experience in Trade Finance related functions such

as LC Opening of LCs, Scrutiny of documents, Retirement etc.

IN-HOUSE TRAINING - Islamic Banking & Practices - SBP Prudential regulations (SME & Commercial) & Credit Policy- Risk Adjusted Return on Assets & Obligor Internal Credit Risk Rating- Credit Administration – Documentation, Security Perfection and ABPL Deferral

Policy

CORE COMPETENCIES Banking, Credit Analysis, Risk Management, Financial Analysis, Management Information system (MIS)

EDUCATION2011-2012 BAHRIA UNIVERSITY (1.5 year program) MASTER'S DEGREE IN BUSINESS STUDIES/ADMINISTRATION/MANAGEMENT

Major Finance

2007 - 2011 BAHRIA UNIVERSITY (4 years program) BACHELOR'S DEGREE IN BUSINESS ADMINISTRATION/MANAGEMENT

Major Finance

2005 - 2007 GOVT. DEHLI COLLEGEINTERMEDIATE

Major Pre-Engineering

2005 MODERN PUBLIC SCHOOLMATRICULATION

Major Science

COMPUTER SKILLSWindows 8, Windows 7, Microsoft Word, Excel, Power Point, Presentations and Internet surfing

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OTHER ACTIVITIES

- Read business magazines, newspapers to keep myself updated to the developments in financial sector and emerging markets.

- Reading Books, Sports, Current Affairs.

References: To be Furnished upon request

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