NAVEED AHMED

Address: H # 315 Shad Bagh, Lahore Pakistan

Cell: +92-321-409-3165 Email: naveedsh84@gmail.com
https://www.linkedin.com/in/naveed-ahmed-6bb618a2

PROFESSIONAL CERTIFICATIONS

• Omega Credit Skill Certification

• JAIBP
• Microfinance Enterprises Risk Management Certificate (PACRA) Value Chain and Contract Farmer Financing (State Bank of Pakistan)
Certificate on Credit analysis (Institute of Bankers of Pakistan).
PROFESSIONAL EXPERIENCE

HabibMetro Bank (Subsidiary of Habib Bank AG Zurich)

Senior Credit Analyst / AVP (Credit Division – North) February 2010 – Present
• Supervision of credit risk evaluation sheets prepared by credit analysts
• Preparing credit risk evaluation sheet for credit requests failing under preview of SCO/HOC/CCC/BCC Analyzing corporate credits with
global market trends / financial statement analysis on industry benchmarks to ascertain risk.
• Interact with Business Teams to conduct regular client visits while also being actively involved in SBP and Broad Credit Committee reporting.
• To draft, review, negotiate and revise a variety of complex corporate transactions for ideal structuring of credit limits in retrospect to bank’s
risk appetite.
• Monitoring security coverage and other financial covenants to avoid breaches with line latest SBP Guidelines.
• Keep updated on current economic scenario and industry trends to effectively gauge all risks involved from a macro economic perspective
• Ensure compliance to various regulations issued by State Bank and other regulatory bodies along with credit and risk management policies of
the bank

Credit Officer (Branch Banking) August 2009 to January 2010

• Processing of credit proposals, seeking approvals & credit documentation Financial analysis & risk rating as per internal credit modules.
• Liaison with client & monitoring of Pledge and inspection of stocks.
• Preparation of various MIS reports.

Officer Branch Banking April 2007 to July 2009

• Account opening & KYC compliance.
• Deposits (CASA, Fixed & other banks internal deposit schemes) handling, profit payments & approvals of excess profit rates & liaison with the
clients.
• Accruals of profit paid on liability side saving & fixed accounts on monthly, semi & annually basis.
• Remittance, clearing, E-Banking, handling of ATM complaints & claims & liaison with Head office.
• Preparation of various MIS reports.

EDUCATION & QUALIFICATIONS

Masters of Business Administration (Finance) 2007

COMSATS Institute of Information Technology, Lahore
B.Com 2005
University of Punjab, Lahore

SKILLS & INTERESTS

Proficient at using Microsoft Word, Excel, PowerPoint and MS project