Muhammad Naveed Ahmad

P 124, Zayyab Block, Waheed Garden, Manawala,

Sheikhupura Road, Faisalabad.
Email Address: mnakamboh@hotmail.com
Phone Number: +92 41 8750268
Mobile Phone Number: +92 321 9616000

Profile
A highly motivated passionate individual having 15 Years of diversified Banking as well as Textile Industry
Experience. Banking Experience includes all areas of Retail / Commercial Banking including Operations, Trade
Finance, Credits, Compliance and Circle office Management.
Well Conversant with the Management of Credit Operation & with Central Banks Guidelines and Other Statutory
Obligations. Possess Demonstrative Excellence in General Banking Operations. Deft in Managing Teams for running
Successful Operations & Experience of Developing Procedures, Service Standards for Business Excellence. Adept in
Managing Loans, Advances, Credit Appraisals, Verification of Documents with skills in Tracking & Resolving Matters
Pertaining to recovery in compliance with guidelines.

Professional Experience
January 2009 - To date

MCB Bank Limited

Susan Road, Madina Town, Faisalabad as Manager Credit
Circle Office, Bank Square , Faisalabad as Manager Audit & Compliance

December 2006 December 2008

AMTEX Limited
Sargodha Road, Faisalabad
Worked as Manager Accounts MCB Bank Limited.

December 2002 December 2006

Zahid Jamil & Co, Chartered Accountants

Peoples Colony, Faisalabad.
Worked as Senior Auditor

August 1999 October 2002

Anjum Textile Mills (Pvt) Limited

Sargodha Road, Faisalabad
Worked as Accountant cum Sales Tax Officer

Academic Credential
2009

Certified Financial Consultant (CFC)

Institute of Financial Consultant (IFC), Canada

2002

C.A (Inter), Module E and now at Final Stage

Institute of Chartered Accountants of Pakistan (ICAP),
Karachi, Pakistan

2001

PIPFA Qualified
Pakistan Institute of Public Finance Accountants (PIPFA), Karachi, Pakistan

1999

Bachelors of Commerce
Punjab University, Lahore, Pakistan

January 2009 To date

MCB Bank Limited, Faisalabad.

Job Role As Manager Credit at MCB Bank Ltd, Susan Road Branch:

Business Development: Regularly review the market to identify opportunities in allocated sectors and
develop proposals for approval.

Proposals: Prepare and gain approval for proposals that will meet the policies and customer needs.

Risk Analysis: Analyze risks to assess risk / returns and initiate timely remedial actions, where appropriate.

Relationship Management: Take personal responsibility for the establishment and maintenance of key
relationships to leverage business achievement.

Professional Advice: Provide professional and expert advice on products and services to customers and
business leads to other units to ensure that business opportunities are realized.

Account Reviews: Regularly review account performance and make appropriate recommendations for
optimizing returns.

Compliance: Comply with the approved policies, procedures and norms to protect the organizations and
customers interests.

Staff Supervision: Supervise and guide a team of junior relationship / support staff to deliver targeted results.

Enhancing the business portfolio and marketing new corporate clientele on the basis of market/industry
norms and analysis of their financial performance.

Arranging credit limits through timely preparation of credit memoranda, coordination with operations, credit,
and risk management for a swift completion of business deals.

Building dynamic financial and operating models including balance sheet, waterfall and cash flow analysis for
credit purposes.

Reviewing legal deal documents to understand structure, payment priorities and deal requirements.

Other tasks - perform all other applicable tasks and duties within the realm of his knowledge, as directed by
the Regional Head - City.

Job Role As Compliance Manager

Working as Circle Audit & Compliance Manager, Faisalabad Circle looking after 101 Branches through 3 Regional
Heads and 3 Regional Operation Managers. Job description include execution and coordination of following
activities:

Supervising the Branches in Audit and Compliance Matters and timely submission of Audit & RAR
Compliance.

Coordinate with the Branches during the SBP Audit as well as supervise all periodic reporting of SBP.

Deal complaints from customers against Staff or Branches.

Participate in numerous enquiries as Management Representative and Enquiry Officer.

Ensure implementation of SBP Policies as well as bank's own policies circulated from time to time.

December 2006 December 2008

Working as Manager Accounts Supervising 03 Weaving Units of renowned Export House of Faisalabad namely
AMTEX Limited and I am responsible for planning, strategies, developing and implementing Monthly
Accounts, Working Capital Requirement and dealing with Supplier of Yarn and Other Raw Material.

December 2002 December 2006

Manager Accounts
AMTEX Limited, Faisalabad

Senior Auditor
Zahid Jamil & Co, Chartered Accountants

Perform various Audit and Internal Control Assignments of Private Companies including Limited Companies
(Both Listed and Unlisted) and Public Sector Organization including WASA, Faisalabad, JK Group of Companies,
Arshad Corporation, Masood Textile Mills Ltd, Taj Textile Limited, Haram Textile Limited etc.

Training and Seminars

Training on Prudential Regulations A Practical Approach for Bankers arranged by IBP at Lahore.

Training on Documentary Collection & URC 522 arranged by MCB Staff College, Lahore.

Training on Interpretation & Analysis of Financial Statements arranged by MCB Staff College, Lahore.

Training on KYC /AML arranged by Institute of Bankers Pakistan at Faisalabad.

Training on Prudential Regulation arranged by Institute of Bankers Pakistan at Faisalabad.

Online Training on Fundamentals of KYC and AML arranged by MCB Compliance Department.

Attend training course on Mantas Alert (Review & Reporting of KYC).

Attend training course on Hot Scan (Review & Reporting of AML).

Attend training course on Disciplinary Action Policy & Procedures.

Attend training course on Audit Reports & Rectification of exceptions.

Attend training course on Risk Base Audit.

Attend training course on Detection & Prevention of Fraud.

Achievements
Awarded Certificate of Achievement on AML Overview for Pakistan from Bankers Academy (The EDCOM
Group).
Awarded Employee of the Month Award on outstanding performance from MCB Bank Ltd.

Added Skills
Good command over MS Office.
Good hands on experience of latest Windows Operating System.
Excellent command over using the internet.
Good command of different type of Accounting Packages, including experience of working in Oracle
environment.

Personal Information

Birth Date:

December 05, 1979

CNIC #

33100-0903594-9

Gender:

Male

Nationality:

Pakistan

Marital Status:

Married

Number of Dependants:

Reference
Mr. Muhammad Ajmal Haideri

Country Head Agriculture Credit

Bank of Punjab, Head Office,
Lahore

0332 - 4442555

Mr. Muhammad Zeeshan Abid

Partner - Parker & Randal A.J.S.

Chartered Accountants,
Faisalabad

0300 - 8654884

Mr. Sultan Mehmood

Director Finance
Pakistan Atomic Energy Commission.
Islamabad

0345 - 8501028