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Candidate's Name  RESUMEVice president/Team LeaderContactPHONE NUMBER AVAILABLE@Email: EMAIL AVAILABLEResidential Address: Street Address -Richmond Hill Road,Apt-4A, Staten Island, New York 10314, USA.Lkdn: https://LINKEDIN LINK AVAILABLE"Utilized expertise in debt structuring to drive business growth and mitigate risk, with a proven track record of:- Successfully restructuring debt portfolios for numerous clients, resulting in improved credit ratings and reduced default risk- Developing and implementing innovative debt solutions, including syndicated loans.- Collaborating with cross-functional teams to analyze creditworthiness and develop tailored financing strategies- Providing expert guidance to clients on optimal debt management strategies, ensuring alignment with their financial goals and objectivesWith more than 17 years of experience in debt structuring & collection, I possess a deep understanding of the complexities of debt markets and a talent for crafting creative solutions that drive results." Having Strong Debts Collections abilities, Communication Skills (Verbal, Nonverbal, Written, Visual and active listener) Problem Solving (By discussions retrieval of solution in the defined situations by the Defaulters/ Customers), Empathy, Negotiations, information of multi culture and their norms that helps to create favorable environment, usage of updated Technology. Fully trained for Accounting/ Basic tools/ advancement/ Loans/ Trade/ Business growth being a Professional Banker having more than 15 years experience of Marketing/ Risk/ Credit Documentation/ Corporate/ Commercial/ SMEs Loans, Loan disbursements, Restructuring and Remedial/ Management and handling of Special Assets (NPL Portfolio) and Recoveries. Possess strong marketing, negotiation skills, cheerful outlook, extremely focused on risk assessment, clientele, and Target oriented.UNITED BANK LIMITED  KARACHI, PAKISTAN(MAR 2010- DEC 2023)Worked as Vice President in UBL Ameen Sharafabad Branch Karachi from May 2023 to October 2023 on a special assignment to recover the outstanding Loans and to improve the deposits by negotiations with the customersand performed the following tasks. Performing KYC review of customer related to nature of account. Timely escalation of any suspicious transaction to the concerned department. Ensure the compliance of regulations during the account opening. Directing all operational aspects including distribution, customer service, human resources, administration, and sales in accordance with the bank's objectives. Increasing Branch Deposit and sales. Developing forecasts, financial objectives, and business plans. Assess local market conditions and identify current and prospective sales opportunities. Address customer and employee satisfaction issues promptly. Worked as Vice President/ Team Leader in Special Assets Management Group (SAM) and performed below mentioned tasks. Along with that I have served as team leader in UBL SAMG, and my responsibilities were filing and managing all cases before the courts and ensuring all objections raised are addressed. I was also responsible for all office case and file management system and assisted the partners and associates in proceedings with their cases. In addition to the same, I have handled the cases filed before City Court, Banking Court, NAB, FIA, High Court and Supreme Court and was an expert in drafting Letter of Settlements, Letter of Litigation withdrawal. I am fully aware with sections of FIO 2001 and expert in section 15 to auction the mortgaged properties without intervention of court Undertaking the Negotiations with clients, external and related parties to improve the recoveries. Always preference to organizations reputation, personally Conduct visit to clients in order to compel them for marketing/ timely payments/ settlement. Recovery of Non-Performing Loans (NPLs), Write back of provisions, working closely with Corporate Banking in managing assignments. Develop regular update to Senior Management on targets, recoveries and progresses on different cases. Regularly discussions with Management to sort out the customers problems with the given timeline. Prepare credit/settlement proposals, write off proposal, Approval note and Rescheduling & Restructuring. Preparation of Classified Credit Reviews (CCRs) for submission on due dates and various Memos. Monitor timely installments/ markup/cash recoveries of accounts. To check manually the Calculation of Cost of Fund/ Markup for delayed payment, NPV, Financial Analysis etc. To prepare the Statements of Assets Tracing, Verification and Demarcation etc. Experienced for vetting of property documents, after final payments/ settlement, to make the permanent release memo and to manage the process of Release of Original property documents to owner/ mortgagor/ their attorneys. To adopt the variety of account wise strategy for recovery. Conduct session with team members for fresh strategist and their implementations. THE BANK OF PUNJAB  KARACHI, PAKISTAN (OCT. 2005, TO FEB 2010) Worked as Credit RISK MANAGER/ Officer Grade-II and key positions were: Relationship Manager (Consumer/ Commercial/ Corporate) Credit Risk Manager Operation Manager (General Banking/ Remittances In charge/ Clearing etc.) MY BANK LIMITED (PRESENTLY KNOWN AS SUMMIT BANK LTD.)  KARACHI, PAKISTAN (NOV. 2004, to SEPT 2005)Worked as Officer Grade-II: Credit Administration Officer (To check, arrange from vendors and process Charge and security documents according to securities mentioned in Facility Offer Letter, Preparation of LGs & Agreements, Statements etc.) In charge of Operation Department (General Banking Inward and Outward clearing) SONERI BANK LIMITED  KARACHI, PAKISTAN (AUG. 2003, to OCT. 2004) Worked as (Management Trainee Office  OG III):Key Achievement was: Successfully Completed the training of Management Trainee Officer and permanent Appointed as OG-III Education & CertificationsPreston Institute of Management Science and Technology (PIMSAT)  Karachi, Pakistan (JAN. 2001, APRIL 2002)Master of Business Administration (MBA) Completed in year 2003 With 3.6 CGPA (scholarship obtained/ Gold Medalist).Govt. College Khatoon-e-Pakistan  Karachi, Pakistan (AUG. 1997 to MAY 1999) bachelors in science completed in 2000 with first Division.Trainings and Proficiency courses: Complete banking training program, batch XVIII, from Soneri Bank Limited in 2003. In 2006, training/course on Customer Relationships Management, held by College of Management Science, PAFKIT. In 2006, certificate awarded on Guarnishee Order and Bankers Right Set off by Pakistan Institute of Banking studies. In 2007, completed a two-week course on Credit and Foreign Trade training program. In 2008, training held on Consumer Finance. In 2008, training held on Module : Financial Statement Analysis and on Business Writing. In 2009, State Bank of Pakistan, arranged a training program, SME Finance Grassroot Cluster. In 2010, training attended on Non-Performing Loans. In 2014, received training in Train the Trainers from Skill City Institute. In 2014, Received training Skill Development Program from Institute of Business Administration- one of the leading Business institute of Pakistan. Special Projects: In 2011-2013, worked on revival of accounts pertaining to sick/dead units of edible items. In 2014, revived/restructured accounts of sick units of automobiles. In 2014, upon completion of the projects, received a promotion. AWARDS AND ACHIEVEMENTS IN UNITED BANK LIMITED.S.NoYear Awards/DescriptionsInstitutions Remarks1 2023 In May 2023, dueto special talent oftarget oriented &business growthposted as aBranchUBL Sharfabad Ameen Branch,Dulara Residency, Alamgir Road,Karachi Pakistan.Achieved all targetsassigned by Banksmanagement2 2022 On December 27,2022, UnitedBank Ltd. Postedat UAE as a SeniorManager at AED26,000UBL UAE comprising of all states Successfully passed 6 rounds ofinterview3 2022 Due tooutstandingperformancepromoted as VicePresidentUnited Bank Ltd. Awarded aconsiderable salary and a brand-new car along with Fuel andmaintenance coverage.Achievedgoals/targets4 2021 Cash Awards forAdjustments of 9different SMELoansUBL Achievedcertificates andcash awards5 2019-2020Scored 148% andrestructure andsettlement ofLeathers units inworldwide CovidPandemic PeriodsUBL Achievedcertificates andCash awards6 2018 A prize won in acompetition heldon professionalcompetition ofstory writing heldon Womens' dayUBL Achieved award7 2017-2015Achievements ofappreciationlettersUBLNOTABLE ACHIEVEMTS: Achieve 100% TARGETS every Year. Nine Times Cash Awards by UBL based on excellent performance. Attended a workshop on Managerial Leadership and Team Management. Attended Workshop on Managing Managers UBL Certified Trainer. Attended Skilled Building Program from IBA. Attended a workshop on Special Assets Management. Attended Training on Section 15 in January 2021 Attended workshop on Awareness to Quality Management Systems ISO 9001:2015 Attended the Training Seminar on Non-Performing Loans. Attended workshop on Consumer Finance. Workshops attended on Compliance Management/ Consumer Financing on. Languages English  Urdu HindiHOBBIES Travelling Reading Driving Social GatheringExceptional Abilities Strong leader with the ability to communicate and motivate subordinates in a multi-cultural environment. Strong analytical and Communication skills Quick learner and high level of adoption to new Systems. Entrepreneurial drive, strong work ethics. Well organized, detail oriented & willingness to assist others. Ability to plan, organize, implement and driven results.