Summary
Overview
Work History
Education
Skills
Certification
Affiliations
Languages
Timeline
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Muhammad Faraz Siddiqui

203, 3010 Chuka Bolv. Regina,SK

Summary

Dynamic Credit Coordinator at Brandt Tractor Limited with a proven track record in financial reporting and customer relationship management. Expert in credit analysis, sales, and negotiation, driving efficiency, and reducing delinquency rates. Passionate about delivering tailored financial solutions and fostering strong client partnerships to enhance satisfaction and loyalty.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Credit Coordinator

Brandt Tractor Limited
08.2024 - Current
  • Ensure the accuracy of accounts receivable records and invoicing, working closely with cross-functional teams to resolve discrepancies, and improve financial efficiency.
  • Prepare and analyze comprehensive financial reports, including monthly, quarterly, and annual statements, providing key insights for senior management, and supporting decision-making.
  • Oversee the maintenance and integrity of the general and subsidiary ledgers, handling complex journal entries, and ensuring accurate financial data for audits and reconciliations.
  • Supported departments' month-end closing processes.
  • Negotiated payment terms with customers to optimize cash flow and prevent delinquency issues.

Inventory Auditor

WIS International Inventory Service
04.2024 - 08.2024
  • Enhanced overall warehouse efficiency with meticulous organization and proper storage of items.
  • Developed effective communication channels with other departments for seamless information sharing on inventory matters.
  • Demonstrated adaptability by quickly familiarizing myself with new industry-specific software platforms, as required.
  • Reduced discrepancies in inventory records by maintaining thorough documentation, and promptly addressing identified issues.

Relationship Manager (SME Commercial)

Meezan Bank Limited
06.2021 - 01.2024
  • Evaluate credit applications from borrowers seeking commercial loans, and assess applicants' creditworthiness.
  • Prepare decisions regarding credit approvals, limits, and terms based on established guidelines and risk assessment.
  • Performed credit reviews on corporations to assess financial conditions.
  • Collaborated with sales teams to create customized financial solutions for clients.
  • Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.

Credit Analyst

1Link Pvt Limited
11.2018 - 05.2021
  • Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
  • Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
  • Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
  • Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
  • Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.

Relationship Manager (Auto Finance)

Bank Al Habib Ltd.
01.2013 - 11.2018
  • Established strong relationships with clients through regular, personalized communication.
  • Resolved customer complaints regarding sales and service.
  • Assisted teammates with sales-processing tasks to meet daily sales goals.
  • Greeted customers to determine wants or needs.
  • Answered customer inquiries regarding product features, pricing, and availability.

Education

BBA - Business

Newports Institute of Communication And Economics
Pakistan
06-2016

Skills

  • Credit analysis
  • Financial reporting
  • Customer relationship management
  • Effective communication
  • Commercial lending
  • Customer service
  • Negotiation
  • Sales
  • Accounts receivable
  • Communication skills
  • Sales collaboration
  • Account management

Certification

  • Google Data Analysis (6 module passed)
  • Introduction of Banking
  • IT Security Awareness (Brandt)
  • Basic Anti Money Laundering

Affiliations

  • Employee of the Month, Meezan Bank Ltd. (2023) – Recognized for excellence in client relationship management and loan portfolio performance.
  • Top Performing Credit Analyst, Bank Al Habib (2017) – Achieved highest approval-to-default ratio in the region.
  • Volunteered with local community finance literacy workshops – Helped newcomers understand credit, loans, and budgeting.
  • Team Lead, internal project to streamline credit review process (1link Pvt Limited) – Resulted in faster turnaround times and improved client satisfaction.
  • Participant, Sales & Finance Collaboration Initiative – Contributed to cross-functional alignment between sales and credit departments.
  • Mentor, junior analysts and new hires – Provided onboarding support and technical training.

Languages

English
Professional

Timeline

Credit Coordinator

Brandt Tractor Limited
08.2024 - Current

Inventory Auditor

WIS International Inventory Service
04.2024 - 08.2024

Relationship Manager (SME Commercial)

Meezan Bank Limited
06.2021 - 01.2024

Credit Analyst

1Link Pvt Limited
11.2018 - 05.2021

Relationship Manager (Auto Finance)

Bank Al Habib Ltd.
01.2013 - 11.2018

BBA - Business

Newports Institute of Communication And Economics

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Muhammad Faraz Siddiqui