Athar Ali Khan

House # H-1/2, Steel Town, Bin Qasim, Karachi

Phone # 92-99264111 Ext.3307
Cell # 0322-2216165

Business Relationship Officer

Business Development – Sales & Credit – Management

Banking experience in different departments including credits/ SME, trade

finance, operations, customer service, sales/ marketing to accept the challenge
for future growth of the organization and to makes a difference with positive
attitude and easily earned trust. Highly self motivated, gaining satisfaction from
work.

AREA OF EXPERTISE

-New Business Development -Credit Risk Analysis

-Maintaining Client Record -Evaluate Customers
-Analyze Paying Habits -Customer Service

PROFESSIONAL EXPERIENCE
Bank Alfalah Limited
Business Relationship Officer –Credits (2005-Present)

ƒ Responsible for new business development, performing all financial and credit
risk analysis on new loan proposals, structure, package and present new loan
proposals for Area Office and HO approval. Prepare CLP of all new accounts,
documentation, perform loan closing and manage all follow-up loan accounts
activity.
ƒ Maintaining clients' credit including investigating and analyzing risks, approving
credit for potential clients and continuing lines of credit for current clients.
Working with other members of a financial team, these professionals also
evaluate credit processing and approval, and make changes to ensure the
financial stability of the organization.
ƒ Innovatively structure credit transactions and utilized various financing options to
ensure that customer needs were met consistent with risk management
philosophy and principles Generating Credit Risk with the help of customer
“Financial Balance Sheet” information concerning credit ratings and forwarding
addresses Analyzes customer’s financial history to grant loan in accordance with
risk management.
ƒ Evaluates customer records and recommends that account be closed, credit limit
reduced or extended, or collection attempted, based on earnings and savings
data, payment history, and purchase activity of customer.
 PROFESSIONAL EXPERIENCE
Bank Alfalah Limited (continued)
Business Relationship Officer –Credits (2005-Present)

ƒ Monthly Reporting to Head Office & views files to select delinquent accounts for
collection efforts.
ƒ Analyze paying habits of customers who are delinquent in payment of bills and
recommend action.
ƒ Improve relations with Sales and Customer Service, interacting daily to enhance
goodwill by promoting a customer-friendly atmosphere.
ƒ Keep bad debts to less than one tenth percent, achieve or exceed management
goals for A/R aging, maintain active collection role with major accounts,
constantly promote “Customer-Friendly” approach with staff.

PROFESSIONAL EXPERIENCE
Askari Bank Limited
Business Relationship Officer –Sales (2005 – 2005)

ƒ Facilitated weekly staff meetings to address departmental concerns, encouraging

staff to communicate and interact effectively, enabling the department to achieve
organizational goals.
ƒ Responsibility includes Card Marketing and Monitoring of Credit Card Portfolio
belonging to Corporate and SME Sector.
ƒ Complete knowledge of handling all types of Accounts, Individual, Companies,
Corporate Sector, and Clubs.

EDUCATION
University of Sindh `2010 M.A. (International Relation)

University of Karachi `2005 BCOM (Bachelor of Commerce) Second Division

Australian Education Office (2003) IELTS (International English Language

Testing System)

British Council (2001-2002) General English Language (4- Levels)

PROFESSIONAL DEVELOPMENT
-Liability Products -Principle of Credits -Credit Evaluation and CLP

References available on request