Hassan Ali Shujrah

I am an enthusiastic and dedicated professional with extensive experience of Agriculture Credit. An exceptional leader who is able to develop and motivate others to achieve targets. I can demonstrate a strong ability to manage tasks from conception through to successful completion. A proactive individual with a logical approach to challenges, I perform effectively even within a highly pressurized working environment. Responsible for over all control and supervision of all the branch activities/ operations inclusive of advances, customer services, budget management, compliance and control and people issues, also responsible for ensuring smooth and efficient operations in the branch.

Sindh Agriculture University Tandojam.          

Masters in Agriculture Hons in Soil Science (2008)       GPA. 3.58

 Sindh Agriculture University Tandojam

B Sc Agriculture Hons. (2004)                                           Percentage: 68.30%

Sindh Board of Technical Education Karachi.

MS Office (MS Word, MS Excel,MS Power Point)

 

LOVE 4 ALL hate 4 NONE

 

 

I might not want a large amount of text on my home page if I want to guide visitors toward my other pages. Instead of text, I can add photos or interesting links. One of the first things I would want to do is choose a template that reflects what my site is all about. Colors and themes are a great way to reinforce the message and purpose of my site.

OBJECTIVE

To seek a challenging position in a competitive environment that will provide me an opportunity to apply my knowledge and skills.

Khushhali Bank Ltd. Shikarpur Branch (March 2009 to Present)

Credit Specialist 1

Job Objectives It is an integral part of credit function responsible to ensure compliance to the stipulated credit and operations guidelines for processing the credit cases, also ensuring that rejection rate due to non compliance is maintained at minimal level. Developing an acceptable credit management culture, regular coordination and counseling sessions to identify performance deficiencies and strengthen operational and ethical standards. Consolidate credit management performance reports for management review.

Responsibilities:

     Reviews thoroughly the loan applications for credit judgment, documentation quality, ability to pay calculations off the cash flow statements, and other functions relating to the credit decision process at branch.     Decision on loans based on Khushhali Bank’s Instructions Manuals and guidelines while remaining consistent with system generated scores.     Implementation of loan product stipulations and works with BDO’s to obtain required documentation and to coordinate direct investigation for upfront due diligence.     Achieving reduction in rejection rates from non-compliance at CPU.     Handling of rejection cases at branch level in line with Khushhali bank’s instructions manuals.     Random visits to field for pre and/or post disbursement verifications according to prescribed verification formats.      Proactively pursues the cases relating to fraud and keeps the relevant departments informed about the developments, as the case may be.     Maintenance of BDO coding at branch level.     Back up maintenance of the system on daily basis.     Coordination with other departments for smooth functioning of his/her functions.     Coordination with Audit teams during their visits to the branch.     Any other duty/responsibility assigned by the Line Manager and Head of Departments from time to time. 

 Khushhali Bank Ltd. Thul Branch (April-07to May 08)

Khushhali Bank Ltd. Sukkur Branch (May 08 to March 09)

Business Development Officer

Responsibilities:

Interaction with various client segments and product sales

Ensure credit quality and collection efficiency standards remain in compliance with policy.

Cash flow based assessment, delinquency, collection and client acquisition, management, and retention

Effect complete documentation of credit documentation; facilitate Product development, resolved client servicing problems.

Monitoring and controlling branch compliance in all areas, including customer care effective planning.

Effect complete the documentation of credit cases including community Group (CG) formation process, individual borrower records, and joint CG loan processing and related terms. Disbursement of cheques and regular / periodical reviews of credit cases. Ensure stringent compliance and produce period reports for management’s review of performance and policy impact.

 

EDUCATION AND QUALIFICATIONS

Sindh Agriculture University Tandojam.          

Masters in Agriculture Hons in Soil Science (2008)       GPA. 3.58

 Sindh Agriculture University Tandojam

B Sc Agriculture Hons. (2004)                                           Percentage: 68.30%

Sindh Board of Technical Education Karachi.

MS Office (MS Word, MS Excel,MS Power Point)

ACHIEVEMENTS

Disbursed more than RS9.3 million & Maintained Recovery Rate of 98%.

Monitoring the proper utilization of Credit & Ensuring Recovery 100 %.

Dealing with 754 Clients, sanctioned loans in 2007 and disbursed RS 9.3 million for their agricultural and livestock needs.

Making monthly plan of Disbursement & Recovery.

   

PROFESSIONAL TRAINING

Six days “Orientation Training Workshop” at NIBAF Islamabad.

Special training of MIS for concerning sales, portfolio analysis, queries of disbursement and collection efficiency and calculations.

SKILLS

1.     Having ability to consolidate reports from the network as per defined schedule.

2.     Analyze reports and share conclusions / recommendations for management review time.

 

3. Maintain records as per defined procedures and requirements.

 

4. Well versed with microfinance lending, collection and default management principles & procedures.

 

5. Having strong PC skills encompassing word processing and advanced spreadsheet capabilities. Good oral, presentation and written communication skills.

 

6. Self-starter, assertive, team player, and have the ability to resolve conflicts without compromising the objectives.

 

PERSONAL DETAIL

Father’s Name                                      :               Niaz Ahmed

Date of Birth                                         :               21st March 1982

N.I.C #                                                    :               43304-0579258-9

Marital Status                                       :               Single

Domicile                                                 :               Shikarpur REFERENCEProvided on Demand