Muhammad Usama Khan
Riyadh,Saudia Arabia
Summary
Aspiring professional seeking challenging role within reputable organization to enhance learning and leverage existing knowledge and skills for organizational benefit
Overview
18
18
years of professional experience
1
1
Certification
Work History
Corporate Credit Analyst - Credit Analysis Unit (Wholesale Banking Group)
Emirates NBD
Riyadh, Saudia Arabia
11.2024 - Current
- To conduct a comprehensive financial analysis and credit evaluations for large corporate clients, ensuring robust credit structuring.
- To perform analysis and use financial ratios and other analytical tools to evaluate clients' financial health.
- To prepare detailed reports highlighting findings and recommendations for senior management.
Senior Relationship Manager- Commercial Banking
Askari Bank Limited
Lahore, Pakistan
06.2024 - 11.2024
- Managing and developing the commercial banking portfolio to achieve growth targets.
- Preparing and evaluating credit proposals for commercial clients.
- Ensuring compliance with bank policies and regulatory requirements.
- Building and maintaining strong client relationships.
Senior Relationship Manager- Corporate Banking
Albaraka Bank Pakistan Limited
Lahore, Pakistan
11.2021 - 06.2024
- To obtain the necessary documents and information with a view to assessing the client's borrowing needs through analysis of the borrower’s financial statements.
- To prepare credit proposals for obligors, annual renewals, and enhancements (funded and non-funded).
- Completion of all pre-approval and post-approval formalities.
- Operational workings of the credit portfolio, i.e. recovery of maturities.
- Facilitating internal / external audits & rectification of audit objections, if any.
- To make periodic visits to customers' premises.
Manager Emerging Corporate Risk – CFIR (Corporate and Financial Institution Risk)
Allied Bank Limited
Lahore, Pakistan
10.2015 - 11.2021
- Evaluated creditworthiness and conducted risk assessments for corporate clients across multiple sectors.
- Review credit proposals, ensured policy compliance, and supported decision-making through detailed financial and risk analysis.
Relationship Manager-Corporate & Investment Banking Group
Albaraka Bank Pakistan Limited
Lahore, Pakistan
11.2011 - 09.2015
- Manage a large corporate portfolio while supporting deal structuring and credit evaluation processes.
- Maintained client relationships, ensured compliance with credit policies, and enhanced portfolio quality through risk monitoring.
Credit Administration Officer-CAD
Albaraka Bank Pakistan Limited
Lahore, Pakistan
05.2008 - 02.2011
- Facility documentation and checking of the approved loan applications and credit lines received from the credit marketing function after approval.
- Checking the documents submitted along with the credit proposal to authenticate their validity for safeguarding the Bank's interests.
Education
MBA - Major in Banking
Hailey College of Banking Finance, University of the Punjab
Lahore01-2007
B.com - Commerce
Hailey College Of Commerce, University of the Punjab
Lahore01-2005
Skills
- Microsoft Office Suite
- Deadline management
- Organizational skills
- Self-motivation and energy
- Problem-solving aptitude
Certification
- Islamic Banking Certification Course (IBCC) - NIBAF-SBP
- Certified Financial Consultant - Institute of Financial Markets of Pakistan - SECP
- Certified Sale Agent - Stock Broker - Institute of Financial Markets of Pakistan - SECP
Additional Information
Supporting Documents and References will be provided on request.
Languages
English (Read, Write and Speak)
Advanced
C1
Urdu (Read, Write and Speak)
Advanced
C1
Custom Section
MS Office Word, Excel and PowerPoint
Interests
Play cricket, badminton, table tennis and watch motorsports
Timeline
Corporate Credit Analyst - Credit Analysis Unit (Wholesale Banking Group)
Emirates NBD
11.2024 - Current
Senior Relationship Manager- Commercial Banking
Askari Bank Limited
06.2024 - 11.2024
Senior Relationship Manager- Corporate Banking
Albaraka Bank Pakistan Limited
11.2021 - 06.2024
Manager Emerging Corporate Risk – CFIR (Corporate and Financial Institution Risk)
Allied Bank Limited
10.2015 - 11.2021
Relationship Manager-Corporate & Investment Banking Group
Albaraka Bank Pakistan Limited
11.2011 - 09.2015
Credit Administration Officer-CAD
Albaraka Bank Pakistan Limited
05.2008 - 02.2011
MBA - Major in Banking
Hailey College of Banking Finance, University of the Punjab
B.com - Commerce
Hailey College Of Commerce, University of the Punjab