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Saad Iqbal
House no 108/I/II, Khayaban-e-Ameer Khusro, Phase-6, D.H.A, Karachi
Mobile: 0321-2102580 E-Mail: [email protected] Date of Birth: 24th February 1986
A passionate, experienced, and highly-motivated Relationship Manager / Analyst. I bring with myself the experience
of working for a multi-cultural work environment in both the Public and Private Sectors. An accomplished and
fluent communicator with strong investigation, problem-solving and decision-making skills, combined with a
pragmatic approach and sound business acumen. After learning in banking industry for five years, I now aim to
grow and learn more in a finance/business role with a reputable organization where I can provide my expertise each
day and utilize my experience towards optimum growth and profitability of the company.
WORK EXPERIENCE
NATIONAL BANK OF PAKISTAN
Relationship Manager / Financial Analyst (Corporate Banking Group) March 2013 to Present
Achievements:
Managing a diversified Portfolio of PKR 18 Billion with clients ranging from sugar industry, cement sector, shares
financing, textile, Fertilizer and Power sector with direct reporting to unit head.
Among the 30 candidates shortlisted from 400 for financial management course held at NBP training academy.
Among the only one shortlisted by group chief from Corporate Banking Group for the sugar mill inspection at
Nawabshah beside few members from Investment Banking and Inspection and review group.
Re-started banking relationship with Dadex Eternit Limited which gave a total business of PKR 280 Million in
2014 as compared to Nil in 2013 resulting in increased earning and trade business for NBP.
Job Responsibilities:-
Preparing Credit Proposals for fresh financing facilities, One-Off facilities, and Annual reviews.
Responsible for gathering information regarding the client, Industry and assessing and analyzing
their financial information and risk factors.
Interaction with various departments within the bank, customers, legal experts, borrower account handling has
improved my multi-tasking abilities.
Quarterly visits to existing clientele as well as to new to bank to better understand their business dynamics.
Analysis of financial statements by using various ratios, market checks from different players in the same industry,
market reports and briefing, analysis of the industry client is operating in.
Working under strict credit policy framework in accordance with Prudential’s laid down by State Bank of Pakistan.
Responsible for maintaining effective and long lasting business relationship with existing and new clients.
Solely responsible to provide various reports of my Portfolio to top management at NBP as well as reporting to the
State Bank of Pakistan.
STANDARD CHARTERED BANK PAKISTAN LTD
Relationship Manager (Commercial Department) July 2012 to February 2013
Achievements:
Was appointed as the Head - Relationship Manager for looking after trade and credit facilities for nine (09)
branches of mid-city areas.
Introduced new to Bank accounts beside digging deep into existing relationships to generate revenue for the bank.
Booked one of the highest revenue generating account “Ensemble Pakistan”
Job Responsibilities:-
Responsibilities as of Prior
Responsible for Credit writing, Analysis of the business and the risk profile of the borrowers.
Analyze Credit data and financial statements to determine risk involved in extending credit.
Responsible for looking after existing Credit & Trade Portfolio including Corporate & SME clientele Effective Multi-Tasking Skills by managing the complete relationship status of the account.
Interaction and regular meeting with the companies polished my Communication & Commercial Awareness
Skills giving better understanding of the nature and dynamics of the business specifically.
BANK AL HABIB LTD
Relationship Associate (Corporate / Commercial Department) August 2009 to July 2012
Achievements:
Among the selected few as the Associate team member for the CEO’s team for establishing credit relationship.
Ensured smooth running of accounts focusing on timely execution of transaction’s and maximum profitability.
Increased the trade business by PKR 200 Million within a period of one (01) year due to efficient transaction
execution.
Enhanced the funded lines by PKR 600 Million for M.M. Commodities in 2011 at Bank AL Habib Limited with
fast and efficient execution of major transactions.
Among the top 04 employees from the region who got Promoted in the 2nd
year of service with the bank.
Job Responsibilities:-
Responsible for maintaining and expanding the credit portfolio of PKR 4.0 Billion including Corporate, SME
and Consumer financing while servicing the day-to-day requirements at client’s request.
Have been tested under pressure by cutting down normal operation cycle and disbursing the loan with the approval
and complete documentation within deadline by effectively improving my Time Management Skills.
Handled Commodity financing (Wheat, Rice, Canola Seeds & Iron and Steel). Effectively handled Pledge and
hypothecation documentation, limit feeding, Appointment of muccadam, handling of Insurance and
Periodic Inspection of pledged and hypothecated stock.
Limit & Credit Monitoring, Handling of charge and transaction documents and liquid securities.
Weekly, Monthly and Quarterly reporting to the Head Office as well as to State Bank of Pakistan.
EDUCATION
Degree Institution Majors Duration
MBA Institute Of Business Management (IoBM) Finance 2009-2010
BBA (Hons) Institute Of Business Management (IoBM) Finance 2005-2009
A Levels Defence Authority School Business 2003-2005
POSITIONS OF RESPONSIBILITY / ACHIEVEMENTS 2005 – 2009
Directed a ten minute documentary on „Child Beggary‟ made for an NGO linked with UNICEF, in March 2005.
Actively led and Volunteered in various Fund-Raiser activities organized by the university for the Earth-Quake
victims of 2005, NGO’s and the recent Flood victims.
Took the initiative and demonstrated it through Planning and Organizing abilities a night Tape Ball cricket
tournament with all the proceeds allocated for purchasing books & uniforms for the students of a local NGO.
Was the „House Captain’ of the winning house in school.
Member of the school, college & university cricket team. ( Twice won the “Man of the tournament award” )
Amassed the Organisational & Communicational Skills by performing duties as the „Vice-President of the
Business Society‟ which attracted an audience of 500 people, with a budget of Rs. 250,000/- only. Managed to get
sponsorship from (2) companies i:e “Hinopak” and “IGI Investments” through contacts for Rs. 75,000/-
Have been an active member of the Event Management Department of Finance Society and
entertainment and Publication Society in IoBM.
Was involved in the publishing of IoBM’s Marketing Society’s yearly magazine in 2009. Contributed by bringing
in sponsors, worth 25% of the total printing and distribution costs, to fund the publishing of the magazine.
ACTIVITIES
Active in sports, reading, traveling, research and movies.
REFERENCE‟S:
Mr. Mujtaba Rahim (Chief Executive – Archroma Pakistan Ltd) 0300-8294151
Mr. Saad Ali (Chief Executive – Helium Private Ltd) 0300-8223224
