Hafiz Muhammad Irfan Saeed

A challenging and rewarding career in a top level organization in which I can utilize my expertise in an environment that encourage innovation and initiative.

Regional Business/Credit Analyst at The Bank of Punjab Ltd. (2022-12 – Present)

• Review borrower financials P&L, balance sheet, cash flow statements for individuals, SMEs, or corporates
• Ratio analysis debt service coverage, leverage, liquidity, profitability trends
• Cash flow modeling build projections to see if the borrower can actually repay
• Credit assessment & risk evaluation
• Gather information credit bureau reports, industry data, collateral docs, management background
• Risk grading assign internal credit ratings based on probability of default
• Industry/macro analysis understand how sector trends, regulations, or economy in PK affect repayment ability
• Proposal & documentation
• Prepare credit memos summarize findings, risks, mitigates, and recommendation for approval
• Structure facilities suggest loan amount, tenor, pricing, covenants, and collateral requirements
• Coordinate with relationship managers translate client needs into a bankable proposal
• Portfolio monitoring
• Track existing loans watch for early warning signs like missed payments, deteriorating ratios
• Annual reviews update financials and re-rate exposures
• Covenant compliance check if borrower is meeting terms
• Compliance & reporting
• Follow SBP regulations and bank credit policy
• Prepare reports for credit committee, risk management
• Work with legal/operations* to ensure documentation is tight before disbursement
• Portfolio Growth & Business Development
• Set and drive regional agri-financing targets, including seasonal crop loans (Kharif/Rabi), farm mechanization (tractors, solar tube wells), livestock, and value-chain financing. Identify growth opportunities within regional agricultural belts, farming clusters, and corporate agro-processing supply chains.
• Oversee credit proposal processing, farm land verification, passbook evaluations, and collateral valuations. Monitor regional Non-Performing Loans (NPLs) and lead recovery, restructuring, and portfolio health initiatives for non-performing farm loans.
• Field & Branch Network Coordination
• Guide and train Agriculture Credit Officers (ACOs) and branch managers across the region on agri-lending products, policies, and field inspection standards. Conduct spot checks on farm sites, crops, and machinery to verify loan utilization.
• Regulatory Compliance & Government Schemes
• Ensure strict adherence to central bank directives (e.g., SBP agri-lending targets and subsidized credit schemes) and internal credit policies. Coordinate crop insurance programs and government interest-subsidy initiatives for local farmers.

Assistant Manager (Relationship Manager) at Habib Bank Ltd. (2017-06 – 2022-11)

The Position will Involve the Following Areas of Responsibilities:

• Allocation of Products targets/benchmark to team members and insure their accomplishment.
• Recommend loans within specified limits, and refer loan applications outside those limits to management for approval.
• Meet with applicants to verify information for loan applications and to answer questions about the product and process.
• Maintaining and controlling overall portfolio business record.
• Verify and analyze applicants'financial status, credit, and property evaluations to determine feasibility of granting loans.
• Management of portfolio quality benchmark, overdue benchmark and works on portfolio mix.
• Vigilance by sudden visit to insure compliance and detection of fraud and forgery.
• Maintains customer confidence by keeping loan information confidential.
• Team development proper updating of members about products policy and procedure, motivation of members by reward and appreciations.
• Monitoring Loans recovery follow ups and renewals of loyal borrowers.
• Mobilization of deposit products.

LOAN OFFICER- General Loans at Khushhali Micro Finance Bank Ltd. (2015-05 – 2017-06)

The position will involve the following areas of responsibility:

• Specialty in General loans (Agriculture, Livestock, Enterprise)
• Ensure timely recovery of principal amount and Interest.
• Mobilize the promotional activities in assigned field and cross selling
• Appraise loans within specified limits, and refer loan applications outside those limits to management for recommendation and approval.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicants'financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Review and update credit and loan files.
• Maintains customer confidence by keeping loan information confidential.

Secondary School in Science – Board of Intermediate & Sec Education, Multan Pakistan (2004)

Intermediate in F.A – Board of Intermediate & Sec Education, Multan Pakistan (2006)

Bachelor in Arts in B.Com – Bahauddin Zakariya University, Multan, Pakistan (2009)

Master in Finance in M.Com – Bahauddin Zakariya, Multan, Pakistan (2014)