Shabeen Akhtar

+92-310- Mirpur Azad Kashmir,

shabeenayakhtar@gmail.com
9486793 Pakistan

Key skills Summary

 Financial Analysis To utilize my enthusiasm, experience, and skills to support organizations in

achieving efficiency, effectiveness, and informed decision-making. I am
 Risk Management eager to work in a growing and dynamic organization where I can contribute
 Credit Analysis to its success while enhancing my own skills. I thrive in challenging and
competitive professional environments, and I am committed to serving at my
 Internal Control best potential.
 Banking Operations
 Compliance Assurance
Career history
 Documentation Senior Auditor at Ministry of Defense
Management  03/2021-Present
 Communication  Experienced senior auditor with a focus on defense audits, contributing
&Coordination to the Ministry of Defense Pakistan's financial oversight and ensuring
compliance with established regulations.
 Microfinance
 Problem-solving Key responsibilities
 Regular salaries, supplementary bills and other financial claims receipt,
 Technology Literacy review via internal audit, check for compliance and forward for approval.
 Critical Thinking  Managing process of documentation for smooth flow and payment
release.
 Time Management  Returning of non compliant financial claims in due course of time.
 Teamwork  Submit audit compliant claims for further approval and payment
proceeding.
Achievements
 Surpass daily audit target of four cases every day with persistency.
Education
Business Analyst (Regional Coordinator) at MCB Bank Limited,
Pakistan
Master’s in Business
 01/2021-02/2023
Administration (Finance)
 Results-driven Business Analyst and Regional Coordinator at MCB Bank
University of Peshawar Limited, Pakistan, responsible for driving business growth and
(UOP), Pakistan coordinating regional operations to achieve strategic objectives.
01/2013- 06/2016 Key responsibilities
 Responsible for Business coordination of Bank KPIs among region
Bachelors of Commerce branches.
University of Azad Jammu &  Tracking the core business figures (Performance), budgeting & targets
Kashmir, Muzaffarabad allocations to branches.
Azad Kashmir  Analyzing and reporting the daily, weekly, fortnightly, monthly,
09/2009 - 08/2011 quarterly, semi-annual and annual Targets versus actual figures.
 Analysis of the credit portfolio i.e. Running Finance, Home Loans, Agri-
Loans proposals for further routing.
 Tracking and reporting of business performances after engaging the
IELTS Academics Team for assigned targets accomplishments.
With Overall 7 out of 9 Bands Achievements
2022  Record breaking business performance in Cross Selling.
 Surpassed yearly business targets consecutively for 02 years (2021/22).
Credit Officer at MCB Bank Limited, Pakistan
 08/2017 –12/2020
 Detail-oriented Credit Officer at MCB Bank Limited, Pakistan, analyzing
creditworthiness, managing loan portfolios, and ensuring compliance with
lending policies to mitigate risk and drive financial success.
Key responsibilities
 Preparing and routing credit proposals, coordinating with clients and
approval authorities for obtaining approvals and disbursement of limits.
 Analyzing clients' financials, conducting industry analysis, and preparing
comprehensive credit renewal proposals.
 Coordinating evaluations of clients' properties with engineering firms
and preparing collateral value comparison sheets.
 Ensuring accurate and error-free data submission to the State Bank of
Pakistan and maintaining clients' information reports.
 Maintaining compliance with approval terms, managing client security
documentation, and facilitating the disbursement of financing facilities.
 Arranging import approvals, insurance for unpledged stocks, and
handling Forex inward and outward remittances.
 Reporting monthly Forex data to MCB SBP Reporting Unit and
facilitating currency encashment and transactions.
 Achieving 109% advances target accomplishment in 2018 and providing
support to branch operations.
 Collecting and submitting advances data, receiving recognition as
Employee of the Month and a certificate of appreciation for outstanding
support.
Achievements
 Certificate of appreciation for outstanding support under the head
“Support from All”.
 Employee of the Month for April 2019.
 Has given a 118% Advances Target Accomplishment for the year 2018.

Intern Finance at Save the Children US International Head Office

Islamabad, Pakistan
 05/2017 –08/2017
 Detail-oriented Credit Officer at MCB Bank Limited, Pakistan, analyzing
creditworthiness, managing loan portfolios, and ensuring compliance
with lending policies to mitigate risk and drive financial success.
Key responsibilities
 Responsible for assisting in data maintenance, supporting in annual audit
and daily payment vouchers preparations, Cheque dispatch to
Vendors/Suppliers.
 Support in cash book maintenance on daily basis.
 Preparation of cash payment vouchers after compliance of
documentation in support of transaction.
 Cash count activity in regular intervals during the day.
 Support in processing/reviewing the accurate and timely processing
submission of payments.
 Coordinating with Bank for communicating significant
endorsements/managerial orders in the form of letters/requests.
 Assist Finance Officer in processing the disbursement of different types
of payments when done locally via bank letters, online banking, cheque,
or petty cash.
 Support in Financial settlement activity at the time of staff
leaving/retiring.
 Supporting in reviewing budget expenditures according to allotment and
2
 codes and verifying compliance with guidelines and procedures. Keeping
stakeholders informed of timely action.
 Supporting in managing bank, petty and cash on hand accounts
transactions and operations in accordance with Save the Children
financial regulations and rules, policies, procedures and local banking
practices.
 Assist in ensuring compliance with withholding income tax and sales tax
laws and timely deposit thereof in the federal treasury.
 Collection of funds request from field offices.
Achievements
 The fastest data processor and an efficient supporter.

Micro Finance Intern at State Bank of Pakistan, Karachi

 06/2015 - 07/2015
 Microfinance Intern at State Bank of Pakistan, Karachi, involved in
studying the bank's departments, divisions, and the impact of branch-less
banking on financial inclusion.
Key responsibilities
 Study of State Bank of Pakistan, departments, divisions and their role.
 Study of Branch-less Banking and its impact on Financial Inclusion.
 Increasing Trend of Branch-less Banking and its importance for
including the underprivileged segment of population and SMEs.
Achievements

 Accomplished the target of mentioned above study timely.

Interests
 It may feel different but I feel happier when interacting with diverse
group of people in an event, seminar, workshop, or any likewise
interactions. I read books, go shopping, cook meals, and write down my
random thoughts. However, the things I love the most are long walks,
deep talks with close friends and interacting with people from different
backgrounds.

References

Available upon request