Dear Sir/ Madam,

It was with great interest that I read your recent posting in the website for the position of Credit Analyst and my
resume is enclosed herewith for your reference.

Review of my credentials will confirm that I am capable of serving as the catalyst for achieving revenue
objectives and organic growth through effective contributions. I possess over 5 years' of experience in Sales & Strategy,
Credit Appraisal, Loan Administration, Risk Management, Financial Management and Team Management.

I have done MBA in Information Technology Management from AIOU Pakistan.

I am presently associated with Majid Al Futtaim JCB Finance, Dubai, UAE as Credit Analyst - Credit Risk &
Management.

I understand that working for your organization requires a candidate who is team oriented and is able to deal
with people in various departments. I am confident that I possess these skills, which will help me to perform the job
efficiently and effectively.

My goal is to transit my enthusiasm, creativity & experience into a position, where I continue to provide the
strategic and tactical leadership critical to retaining valued customers of an organization. I am certain that my presence
in your team will prove to be beneficial to your organization. As such, I would welcome an opportunity to speak with you
to evaluate your needs & share my ideas.

Thanking you.
Sincerely,

Faheem Sultan
Faheem Sultan

Contact -0502114905
Nationality: Pakistani e-mail fsultan@eim.ae

Objective: Make use of my 5 years of experience in the field of Risk Management & to use my skills in the best
possible way for achieving the company goals.

Work Experience: MAF JCB / Credit Initiation as Credit Analyst (From Oct 2008 to till date)

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or
lending money.

Prepare reports that include the degree of risk involved in extending credit or lending money.

Evaluate customer records and recommend payment plans based on earnings, savings data, payment history,
and purchase activity.

Confer with credit association and other business representatives to exchange credit information.

Complete card applications with 100% effectiveness credit analyses and summaries of cards requests, and
submit to credit committees for approval.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Review individual or commercial customer files to identify and select delinquent accounts for collection.

Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar
establishments in the same industries and geographic locations.

Consult with customers to resolve complaints and verify financial and credit transactions.

Analyze financial data such as income growth, quality of management, and market share to determine expected
profitability of cards.

Handle pre-approved arrangements.

Abn Amro Bank/ Sales Planning & Strategy as Manager Sales Coordination (From May
2007 to Oct 2008)

Handling customer complaints related to sales and service issues and reporting directly to the Service Quality
Department and the concerned Heads.

Besides this, doing trend analysis of the complaints and issues w.r.t. to sales and proposing suggestion and
measures to the respective Managers.

Managing coordination of daily submissions, approval, and disbursement of all the products comprising of
Personal Loans, Payroll Accounts maintenance, Credit Card, Smart loan, etc, from all the channels including
direct sales and Telesales throughout UAE within applicable TAT, reporting the same to the respective
Managers.

Responsible for creation and maintenance of accurate MIS report at all the levels and all the channels on a daily,
monthly, and yearly basis.

Standard Charted Bank Pakistan/Collections Department as Collection Officer (From Nov

2005 to April 2007)

Responsible for monitoring and rehabilitation of delinquent and over-limit accounts and to minimize delinquent
accounts and contain flow through to the next cycle.

Resourcefulness in securing Promises to pay.

Review and recommend enhancements to improve current work flow/processes to minimize manual input to
increase operational efficiency.

To create a professional and friendly environment providing fast, flexible and efficient service to our customers.

Responsible for monitoring individual effectiveness and performance including the performance of trainees
assigned (if any).

Education:

MBA (ITM) Information Technology Management From: Allama Iqbal Open University Islamabad.

PGD (IT) From: Government College Vehari.

B.A (Economics) From: Government College Vehari.

HSSC (Economics) From: Board of Intermediate and Secondary Education Multan.

SSC (Science) From: Board of Intermediate and Secondary Education Multan.

Trainings:

Appsmart , Vision Plus & Track soft

Finacle

Collection Techniques & Skills

Money Laundering & Fraud Management

Card pro & CTL (Card Track Limited)
Venue At MAF Tower 2 (Dubai)
Venue At Abn Amro Bank(Dubai)
Venue At Union Bank Ltd. (Multan)
Venue At Union Bank Ltd. (Vehari)
Venue At Union Bank Ltd. (Multan)

IT & Language Skills:

MS office Suit ,Outlook & Louts

Appsmart & Tracksoft

Visionplus & Finacle

Languages Skills:

English, Urdu, Punjabi & can understand Arabic

Other Awards:

Best Regional Sales Coordinator throughout the year in Abn Amro Bank Dubai

Best Collection officer throughout the year (Certificate From Standard Chartered Bank Pakistan)