Faraz Ahmad
Mob: 0092 3452369367
Add: 5-D,6/1, Nazimabad, Karachi, Pakistan
Email: sfa1985@hotmail.com
MISSION STATEMENT
To build up a career in an organization where motivating environment prevails which can help to
enhance my professional skills and career growth leading towards organizational growth.
CAREER SUCCINCT
Degree:
Diploma:
MBA-Finance & Banking
Islamic Finance & Banking
Work Experience:
Duration
Organization & Designation
Jan 2006- heretofore
Oct 2005- Dec 2005
July 2005-Sep 2005
Meezan Bank Ltd as Senior-Officer-I (Credit Admin)
Meezan Bank Ltd as Officer-II
(Credit Analyst)
Meezan Bank Ltd as Junior-Officer-I (Operations)
Jan 2005- Apr 2005
North City Accounts Office as Asst. Accountant
PROFESSIONAL EXPERIENCE
Meezan Bank Ltd
(July 2005–Heretofore)
Senior Officer I, Credit Admin Department-Consumer Finance
(Jan 2006 – Heretofore)
Core Responsibilities-CAD

Analysis/Review of cases, Disbursement advices and Offer letters as per Credit approval
(Car/ Motorcycle Ijarah) both consumer & corporate & mark discrepancies as per Product
Policy, Shariah Guidelines and State Bank-Regulations.

Disbursement of credit facilities (Consumer & Corporate) through Car Ijarah Module after
completion of all necessary security, credit and financing requirements.

Assist in handling & coordination with Shariah/ Internal/ External/ State Bank auditors.

Handling of vaults & safe keeping of Legal/ Security documents as junior custodian with all
security codes.

Supervision of entries of client’s account openings & legal agreement transactions.

Reconciliation of Car Ijarah accounts with Islamic Banker (IB) system on daily basis.

Weekly check physical balance of Stamp paper inventory and balancing of stamp paper
inventory in system.

Making various fortnightly and monthly internal & State Bank reports and coordinate with all
upcountry branches for timely completion & further submission of reports to Head Office.

Final settlement of facilities in system and issuing related documents to credit initiation unit.

Month End closing, posting of accruals & reconciliation of accounts.
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Officer II, Credit Analyst-Consumer Finance
(Oct 2005 – Dec 2005)
Core Responsibilities-Credit Analyst
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Reviewing and ensuring credit quality - end to end risk management (case processing &
analysis, both pre and post documentation, disbursement etc).
Pre–screening of applications according to credit parameter to differentiate the applications
or outright rejections or for further process.
Ensuring that all the credit & product policies criteria guidelines are complied.
Coordinate with respective Relationship Manager / Sales Personnel for resolving credit
observations.
Coordinate with operations (CAD) & RMU (Risk Management Unit) for rectification of any pre
& post review observation, disbursement, legal documentations.
Responsible for maintaining TAT for both approval and disbursements.
Junior Officer, Operations (F.B Area Branch)
(July 2005 – Sep 2005)
Core Responsibilities-Operations

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Receiving & posting of cheques of outward clearing.
Maintaining outward cheques return register, reviewing & analyzing customer’s cheques
returns.
Receiving and posting of funds transfer entries.
Coordinating in Account Opening operations.
Issuance of Pay Orders and Demand Drafts.
Issuance and maintenance of ATM Cards of customers.
NORTH CITY ACCOUNTS OFFICE
Asst Accountant, Accounts Dept
(Jan 2005- Apr 2005)
Core Responsibilities

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
Responsible for all month-end closing entries and prepare monthly receipts and payments
accounts and balance sheet.
Prepare reconciliations of Bank statement on monthly basis.
Record entries in the GL on daily basis.
EDUCATION:
Master In Business Administration - Finance
From Newports Institute of Communications & Economics.
Bachelor of Science (B.Sc)
From University Of Karachi.
Intermediate
From Govt. Degree College for Boys North Karachi.
Matriculation
From Modern Public Secondary School.
SPECIALIZATION
Post Graduate Diploma- Islamic banking & Finance
PAF-Karachi Institute of Engineering & Technology.
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PROFESSIONAL TRAININGS
In -House Training Sessions
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4 Months Islamic Banking Certification Course.
E-CIB.
Excel 2007.
Basic Arabic Language Course.
COMPUTER SKILLS
Ample amount of knowledge in
 MS Office-2007
 Computerized Accounting
(Tally ERP & Peach Tree)
 Temenos T-24
 Code Base System
CERTIFIED REIKI HEALER
From Institute of MIND SCIENCE
CAREER ACHIEVEMENTS:
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I started my career in Meezan bank on contract basis but Alhamdulillah due to my hard work I
got permanent status within six months and got salary increment and performance bonus
same year.
I received a shield from Head of consumer banking when we achieved Rs. 2.5 billion ENR land
mark in car financing in 2005.
Alhamdulillah I get salary increments and performance bonuses every year.
Received a loyalty award and a Gold coin from the President & CEO Mr. Irfan Siddiqui and
COO Mr. Arif ul Islam on completing successful 5 years in the Meezan bank.
PROFESSIONAL ACTIVITIES:

Conduct training sessions for new comers on topic of CAR IJARAH at Meezan Bank head office.

Invited as a guest speaker several times in Muhammad Ali Jinnah University on topic of
“INTRODUCTION TO ISLAMIC BANKING & WORLD ECONOMIC HISTORY”.

Invited as a guest speaker in Newports Institute of Communications & Economics on topic of
“RISK AND RETURN”

Attended various seminars related to Islamic banking, HRM and IT.
PERSONAL DATA:
Father’s Name:
CNIC No:
Passport No:
Date of Birth:
Home No:
Nationality:
Religion:
Marital Status:
Shahid Ahmad (Late).
42101-9456315-5.
DP1153152
28-02-1985.
009221-36612571.
Pakistani
Islam (Sunni).
Married.
REFERENCE:
International & National Will be provided upon request.
Faraz Ahmed-CV
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