Open To Work
UROOJ FATIMA
Toronto,ON
Summary
An articulate & motivated Commerce graduate who has a natural flare for being able to communicate and build strong relationships with clients and stakeholders
Experienced credit analyst with a strong background in assessing corporate and SME credit applications to evaluate risk and ensure compliance with internal policies and industry regulations. Conducted comprehensive financial evaluations, resulting in improved loan approval processes and enhanced customer satisfaction. Collaborated effectively with cross-functional teams to develop streamlined credit policies, reducing application processing times while maintaining rigorous standards. Demonstrated ability to monitor customer accounts and provide informed recommendations based on sound credit evaluation principles.
Overview
4
4
years of professional experience
Work History
CREDIT ANALYST -CORPORATE & SME DEPARTMENT
BANKISLAMI PAKISTAN LIMITED
KARACHI, Sindh
09.2024 - 12.2025
- Analyzed corporate and SME credit applications to assess risk, ensuring compliance with internal policies and industry regulations.
- Evaluated financial statements and credit histories, providing insights that informed lending decisions and minimized potential losses.
- Conducted thorough credit risk assessments, resulting in improved loan approval processes and enhanced customer satisfaction.
- Collaborated with cross-functional teams to develop credit policies, streamlining workflows and reducing processing times for applications.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
RELATIONSHIP MANAGER
UNITED BANK LIMITED
KARACHI, Sindh
04.2023 - 10.2024
- Prepare credit proposals and liaise with the credit risk department for obtaining approvals.
- Managed Credit Assessments for Commercial and SME Clients, analyzing financial statements in order to evaluate client's creditworthiness.
- Collaborated with cross-functional teams including legal, compliance and operations.
- Maintained strong relationships and ensuring client satisfaction.
- Prepared detailed reports on client accounts, assisting in the identification of opportunities for upselling and cross-selling.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
MANAGEMENT TRAINEE OFFICER (MTO BATCH)
ASKARI BANK LTD.
KARACHI, Sindh
10.2021 - 03.2023
- Attended Six Months Comprehensive Training in the Head Office located at Islamabad.
- Trained in Corporate, commercial and SME Division and Branch banking.
- Worked as an Assistant Relationship Manager.
Education
BS in Commerce - Commerce
UNIVERSITY OF KARACHI
KARACHI 02.2017 - 01/2020
Skills
- Credit analysis
- Risk assessment
- Financial evaluation
- Loan approval processes
- Relationship management
- Financial statement review
- Credit proposal preparation
- Credit decision making
References
Will be furnished upon request.
Work Preference
Job Search Status
Open to workWork Type
Full TimePart TimeLocation Preference
On-SiteHybridSalary Range
$60000/yr - $134000/yrTimeline
CREDIT ANALYST -CORPORATE & SME DEPARTMENT
BANKISLAMI PAKISTAN LIMITED
09.2024 - 12.2025
RELATIONSHIP MANAGER
UNITED BANK LIMITED
04.2023 - 10.2024
MANAGEMENT TRAINEE OFFICER (MTO BATCH)
ASKARI BANK LTD.
10.2021 - 03.2023
BS in Commerce - Commerce
UNIVERSITY OF KARACHI
02.2017 - 01/2020