Qualifications

M.Sc(Hons.) Agricultural Entomology, University of Agriculture Faisalabad (2008)

B.Sc(Hons.)  Agricultural Entomology, University of Agriculture Faisalabad (2006)

F.Sc Premedical, Govt College, Sahiwal  (2001)

Matriculation, Govt Batala Muslim High School Sahiwal (1999)

Training

 Ø       Training Workshop on ‘‘Agri Credit Documentation and Risk Management’’ conducted from March 2-3, 2011 at State Bank of Pakistan Faisalabad.

Ø       Participation in National Conference ‘‘Agriculture Challenges, Opportunities and Options under Free Trade Regime’’ May 28-29, 2008. Organized by WTO Cell & Agriculture Policy Forum University of Agriculture Faisalabad, Pakistan.     

Ø       Participation in National Conference ‘‘Agriculture, Trade and Development under the WTO Regime’’ Held on April 09, 2008. Jointly organized by WTO Cell, University of Agriculture Faisalabad and WTO CELL, Planning & Developing Department Govt. of Punjab Lahore, Pakistan.

Ø        One Month Training on computer ‘‘Computer Awareness Program (CAP)’’ conducted from June 02-31, 2001 by Govt. College Sahiwal, Pakistan.

Qualities

Honesty,

Hardworking, 

Sincerety,

Faithfulness 

Work Experience

Ø       Relationship Manager Agri (OG-II), The Bank of Punjab, Pakistan. (From 12.09.2011 to Present)

Job Descriptions

Ø       Management Agri. Portfolio of 36.000 M with 67 no. of Accounts.

Ø       Lending and recovery of NPL (Non Performing Loans).

Ø       Preparation, Processing, Evaluation and Finalization of proposal for onward submission to Regional Office/Head Office.

Ø       Evaluation of applicant by Farm Field Visit Report/Cash Flow Report.

Ø       Checking of Agri. Passbook record from Revenue Office.

Ø       Completion of charge creation documents and record keeping.

Ø       Maintenance of record of sanctioned loans under agriculture finance scheme.

Ø       Preparation and submission of monthly statements to regional office/head office.

Ø       Checking and updating of insurance coverage of borrowers and assets.

Ø       Follow up for recovery of mark up, installments and insurance charges from borrowers.

Ø       Periodicals visit in the field for inspection of crops, animals and tractors financed by the bank.

Ø       Recovery suit filing against NPL Loans of subsistence, doubtful and loss category.

Ø       Farmers meetings and workshops at farm level for picking new borrowers.

Ø       Agriculture Finance Officer (OG-III), Habib Bank Limited, Pakistan. (From 01.07.2009 to 06.09.2011)

   Jobs Descriptions

Ø       Managed Agri. Portfolio of 75.000 M with 495 no. of Accounts.

Ø       Acquire business for the bank as the front line contact with farmers for sale of Retail Agri financial products.

Ø       Follow up with customers for collections and keep the NPLs to minimum / acceptable level.

Ø       Obtain MIS of accounts to fall due in next 30 days every week and follow up on them.  

Ø       Maintain up to date list of current & overdue relationships, along with contact numbers, nearest relatives, addresses of home/office/allied business, best time to visit etc.  

Ø       Maintain relationship with the farmer and use the approach relevant to the stage of collections as per Agri legal & recovery Manual.  

Ø       Recommend transfer of account / legal action, to the branch manager, when farmer behavior is incompatible and negative and all attempts to recover the payments by negotiation have failed.  

Ø       Discuss and finalize monthly activities calendar in consultation with the branch manager and RAGM Agri. 

Ø       Coordinate with branch manager to ensure relevant promotional material/printed material etc are available.

Ø       Internee  (From 01.06.2007 to  01.06.2008)

One year job/internship under National Internship Program (NIP) at Biological Control Lab., District Officer Agriculture (Extension), Faisalabad, Pakistan. Worked on a research  project under following title

(Mass rearing of chrysoperla carnea, TricHogramma CHILONIS, preparation of their cards and distribution of cards to farmers).

Ø       Internee (From 01.02.2006 to 31.05.2006)

Sixteen weeks of internship at Plant Protection Institute, Faisalabad, Pakistan.  Worked on a research  project under following title

(EFFECTS OF DATE OF SOWING ON THE incidence of aphid and ladybird beetles in different varieties of wheat crop).

Computer Skills

Ø       Excellent command on ms word, adobe photoshop, internet browsing, 

Languages

English,

Urdu,

Punjabi