Muhammad Faisal Usman

Muhammad Faisal Usman Contact Information Email: Cell No: -- Objective To work in progressively growing organization at a challenging position, where my capabilities can be optimally utilized for long-range career opportunities. Qualification  MBA Banking & Finance Hailey College of Bank & Finance, University of the Punjab-  Bachelor of Commerce University of the Punjab, Lahore, Pakistan,-  FSc (Pre-Engineering) B.I.S.E Lahore-  Matriculation (Science) B.I.S.E Lahore- Experience Organization: Duration: Bank Alfalah Limited July 2005 - Present Position: Relationship Manager Responsibilities:  (September 2012 – Present) Handling advances portfolio of 1.500 Billion.        Involved in preparing CLPs, package structuring and in depth Financial Analysis of the prospective customer to minimize risk. Maintaining and ensuring healthy relationship with customers. Review & analysis of security to make sure that bank’s interest is secured. Issuance of bank guarantees. Review of limit expiries and preparation of cases for renewal and extension of limits. Preparation of reports for Head Office and SBP. Backup of Team Leader. Position: Responsibilities:                    Incharge Accounts / Backup of Manager Operations (September 2010 – August 2012) Responsible for smooth working of branch accounts operations. Preparation of daily branch position. Preparation of Business Budget / CAPEX Budget. Preparation of Month End / Quarterly / Semi Annually & Annual Reports. Ensure to meet reporting timelines. Tax Deduction and Filling Return to Tax Authorities on Monthly, Semi Annually and on Annual basis. Supervision of sundry and suspense accounts. Balancing of GL heads. Comparison & analysis of monthly branch expenses. Taking measures to control the expenses within a specified budget. Frequently meeting with higher management to discuss branch profitability and future plan to revised marketing strategy to achieve the goals. Closing of accounts on monthly, semi annually and annually basis. TDR profit payments to customers. Preparation of staff salaries, allowances and bonus. Checking of daily activity. Preparation of expense vouchers. Handling petty cash. Backup of Manager Operations  Branch operations, cash and transfer Supervision  Online supervisions  Dormant activation &stop payment  Conduction branch compliance and audit  Facilitate external and SBP auditors  Cash transaction reporting  AML data generation and review HR Coordinator  Staff promotions and appraisals  Conducting initial interviews for new hiring     Completing new hiring formalities Completing the exit formalities Maintaining leave record Internships Position: Responsibilities:            Incharge Cash Department (September 2008 – August 2010) Supervision of local cash / local transfer / online cash / online transfer transactions. Supervision of foreign currency transactions. Supervision of remittance. Inward clearing Refferal Approvals. AML approvals Stop payment Replenishment of ATM and its balancing Settlement of disputes related to ATM. Key holder Dormant Activation Back up of Incharge Operations Position: Chief Cash Officer Position: Cash Officer (September 2006 – August 2008) (July 2005 – August 2006) Internship  Lahore Stock Exchange (G) Limited October 2003 to December 2003  Al-Rehman Associates March 2003 to May 2003 Training Courses Training courses attended at Bank Alfalah Training and Development Center Lahore  One month training for “Cash Officers”  Two days course on “Cheques & Negotiable Instruments”  One day course on “Alfalah Gold Standard Service Training Program”  One day course on “Anti Money Laundering Measures”  One day course on “Features of Currency Notes and Detection of Fake Currency Notes”  Two days course on “Basic Accounting Concepts & Application”  One day training on “Bank Alfalah Appraisal System”  Two days course on “How to Get Good Audit Rating”  One day course on “Advanced MS Excel 2007”  One day course on “Advanced MS Word 2007”  One day course on “Audit of Credits Portfolio”  One day course on “Banking Law and Practice”  One day course on “Analysis of Financial Statement”  One day course on “e-CLP Portfolio Management & Ratings”  5 days course on “Relationship Managers Learning Program” Computer Skills  Teminos 24 (Banking Software)  Bank Smart (Banking Software)  MS Office  MS Windows  Internet Personal Information       Date of Birth Gender Marital Status Nationality Religion Domicile Reference Reference will be furnished on demand. March 23, 1984 Male Married Pakistani Islam Punjab