Muhammad Sohail
DUBAI
Summary of Career
1. Credit Analyst skilled in risk analysis for all types of banks and other lending institutions.
2. Assessment of creditworthiness of client companies.
3. Wide background in financial information analysis, including cash flow records and management accounts
4. As a loan officer advises clients about the risks, consequences, and benefits of alternative lending solutions.
5. Develops loan applications by evaluating applicant information and documentation
6. Approves loans by issuing checks or forwarding applications to loan committee.
7. Build Customer Relationship
8. Prepared Financial Statements
9. contract Management
10. Risk analysis
Experience as Loan Officer
Khushhali Bank limited
23 June 2017
01 September 2021
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Reviewed and edited loan agreements to promote efficiency and accuracy.
• Advised clients on mortgage, education and personal loans.
• Maintained strict confidentiality of bank records and client information.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• To check creditability and capacity of the customer.
• Conduct financial statement & credit analysis of customers for credit applications.
• Develop and analyze financial statements of the MSME in order to access the financial soundness of the business and his repayment capacity.
• Prepares and executes loan contracts and arrange for disbursement of loan.
• Recommended loan approvals and denials based on customer.
• Maintain good relationship with MSME clients and promptly address their quires loan application reviews.
• Meet internal service standards and ensure no service related complaints are received customers.
Experience as Assistant Credit Analyst
International Credit Information Ltd - ICIL-Pakistan
01 April 2015
22 June 2017
• To verify business existence through various sources including FBR & SECP online database.
• Frequent liaison with clients and Banks during the reporting process.
• Prepare business feasibility reports of clients. Check & verified all accounting records of clients.
• Compiled different Creditworthiness reports like Income estimation reports, SME businesses borrowing reports, Market survey of clients, Cash flow statement, etc.
• Quality Check above mentioned report in oracle database.
• Contacted customers and requested financial documentation.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Managed on-site evaluations, internal audits and customer surveys
• Used Microsoft Word and other software tools to create documents.
• Gathered loan documentation for underwriting and other communications.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Bachelor 10 March 2015
National University of Modern Languages Islamabad (Finance)