Faisal Malik

Experienced, motivated, and goal-driven Loan Officer with 6+ years of progressive experience in microfinance and MSME (Micro, Small & Medium Enterprise) financing. Demonstrated expertise in evaluating loan applications, performing detailed financial and risk analysis, and maintaining strict adherence to institutional lending policies. Proven ability to build strong client relationships, provide effective financial counseling, and support the sustainable growth of small businesses.

Adept at handling a diverse portfolio, driving business development.

Loan Officer – MSME at HBL Microfinance Bank Ltd. (Feb 2025 to Apr 2026) • Developed and implemented strategic outreach plans to attract MSME clients in target regions.

• Evaluated and structured customized loan solutions based on the financial health of micro and small businesses.
• Provided in-depth financial counseling to clients, helping them improve creditworthiness and profitability.
• Coordinated with credit committees to accelerate approval processes and ensure efficient disbursement timelines.
• Maintained close follow-ups with clients post-disbursement to ensure proper loan utilization and minimize risk.
• Managed a growing portfolio of MSME loans while maintaining a high repayment rate and low delinquency.
• Ensured complete and accurate documentation for compliance, audits, and reporting standards. Loan Officer at HBL Microfinance Bank Ltd. (2019-03 – 2025-01) • Assessed creditworthiness of individuals and small business clients using financial and behavioral analysis.
• Collected and verified documents for loan processing, ensuring alignment with company policy.
• Facilitated disbursement and repayment of microloans while maintaining strong customer service.
• Built long-term relationships with clients through consistent follow-up and financial advice.
• Identified at-risk clients and took proactive measures to reduce default risk.
• Promoted various loan products to increase client engagement and business outreach.
• Maintained detailed and organized records of applications, approvals, and repayments for internal audits.

Computer

Operator (Internship) at Health Department Bahawalpur (2017-03 – 2018-02) • Managed daily data entry tasks related to patient registration and health records.

• Assisted in maintaining and troubleshooting computer systems in a government health facility.
• Ensured accuracy and confidentiality of patient information stored digitally.
• Supported the administrative team in preparing reports and statistical summaries.
• Maintained electronic filing systems and organized physical document archives.
• Provided technical support for printers, network connectivity, and basic software issues.
• Learned and applied MS Office and data management tools for official tasks.

BS in Computer Science – The Islamia University of Bahawalpur (2012 – 2016)

F.Sc. (Pre-Engineering) – Misali Zakarya H/S/S Muzaffargarh (2009 – 2011)

Matriculation (Science) – Iqra Public High School, Mubarak Pur (2007 – 2009)