Hamayun Amjad Awan

A dedicated banking professional with a Master's degree in Agriculture and over 4 years of experience in credit analysis, agricultural loan portfolio management, and relationship banking at the National Bank of Pakistan (NBP). Currently serving as Manager MIS & Analytics in the Agriculture Business Division at NBP Head Office, Lahore. Adept at evaluating creditworthiness, structuring loan facilities, conducting risk assessments, and transforming complex financial data into actionable intelligence.

Seeking a Managerial Position to leverage a unique combination of frontline credit experience, deep agricultural sector knowledge, and robust analytical proficiency.

Manager MIS & Analytics at National Bank of Pakistan – Head Office (2025-07 – Present)

• Strategic Risk & Portfolio Analysis: Conduct in-depth analysis of the bank's agricultural financing portfolio, utilizing statistical models to forecast credit risk (NPLs), measure exposure to sector volatility, and assess the performance of existing loan products.
• Data Sourcing & Integrity: Collect, clean, and validate large, complex financial and agricultural datasets from internal banking systems and external market sources, ensuring data quality for all Head Office reporting.
• Actionable Business Intelligence: Design, build, and maintain interactive dashboards and visualizations (MS Excel, PowerPoint, Power BI) translating raw data into clear insights for senior management on market trends, regional performance, and resource allocation.
• Policy & Strategy Support: Provide analytical backing for new agricultural credit policies, product development, and geographic expansion strategies, using data to model potential financial impacts and returns.
• Regulatory Reporting: Generate accurate and timely reports on agriculture financing and portfolio health for internal governance and external regulatory bodies (SBP), ensuring compliance and transparency.

Relationship Banking Manager (Agriculture Finance) at National Bank of Pakistan – Islamabad (2021-03 – 2025-07)

• Built and maintained strong relationships with agricultural clients, identifying financing needs aligned with bank sales targets and prudential regulations.
• Marketed and promoted NBP agriculture financing products through community events, field visits to farming areas, and direct engagement with farmers and agribusiness clients.
• Conducted thorough credit evaluations of agricultural loan applications, including analysis of borrower financial statements, repayment capacity, cash flow projections, and collateral valuation to determine creditworthiness.
• Assessed credit risk associated with agricultural financing by evaluating sector-specific risks such as crop cycles, weather dependency, commodity price volatility, and land revenue records, ensuring sound lending decisions aligned with SBP prudential regulations.
• Structured appropriate loan facilities based on client needs and risk profile; prepared and reviewed complete credit appraisal reports and ensured accuracy of security documentation, charge creation, and compliance with the bank's credit policies.
• Conducted on-site spot visits to verify farmer field conditions, revenue records, and actual land holdings, ensuring factual accuracy of information provided in loan applications before approval.
• Actively monitored the existing agriculture loan portfolio for early warning signals of credit deterioration; achieved assigned recovery targets and maintained portfolio health through timely follow-ups and liaison with revenue authorities.
• Prepared and maintained MIS reports on portfolio performance, disbursements, and recoveries, providing management with timely and accurate information to support credit decisions and strategy.
• Provided technical guidance to farmers on proper utilization of loan funds, adoption of modern agricultural practices, and compliance with bank instructions, contributing to reduction of NPLs.

M.Sc. (Hons.) in Agriculture – Plant Breeding & Genetics – Pir Mehr Ali Shah Arid Agriculture University, Rawalpindi (2019-09 – 2022-12)

B.Sc. (Hons.) in Agriculture – Plant Breeding & Genetics – Pir Mehr Ali Shah Arid Agriculture University, Rawalpindi (2015-09 – 2019-09)

F.Sc. in Pre-Medical (12th Grade) – Board of Intermediate & Secondary Education, Gujranwala (2013 – 2015)