Muhammad Bilal (+92) 3334301512

bilalrazaiub@hotmail.com
Credit Officer H2/S1 Taimoor Town Alipur

PROFILE Strive to become a successful marketer and want to change the world of
marketing with innovative ideas & implementation of modern knowledge. I
want to work with an organization that supports their employees in career
development and continuous learning

EXPERIENCE Credit Officer (MYR)

Finca Microfinance Bank Credit Officer Responsibilities include preparing loan applications, evaluating
1 Aug 2018 > Current clients' financial information and calculating risk ratios. To be successful in
this role, you should have a good understanding of lending procedures and
customer service experience.

Khushhali Microfinance Bank Business Development Officer

Limited Meet with loan applicants to identify their needs and collect information for
Oct 2017>July 2018 loan applications. Analyze active loan files on a regular basis and recommend
solutions to speed up the loan process. Complete loan contracts and teach
clients on policies and regulations. Define financial eligibility and establish debt
payment plans. Submit loan applications in a timely manner. Rejects loan
application and explains deficiencies Respond to applicants’ questions and
resolve any loan-related issues.

NASECO Smart Fire & Safety PVT Sales Executive

Limited Builds business by identifying and selling prospects; maintaining relationships
Jan 2016>Sep 2017 with clients. Sells products by establishing contact and developing relationships
with prospects; recommending solutions. Identifies product improvements or
new products by remaining current on industry trends, market activities, and
competitors. Maintains quality service by establishing and enforcing
organization standards. Maintains professional and technical knowledge by
attending educational workshops. Contributes to team effort by accomplishing
related results as needed.

EDUCATION Bachelor of Business Administration

(Specialize in Sales &Marketing)
Islamia University of
Bahawalpur Students study advertising, consumer behavior, marketing research
2011> 2015
and international marketing. Additionally, some programs may
require students to take liberal arts courses to help them develop
their communication skills