Anam Qayyum

Analyzed financial statements to assess creditworthiness and repayment capacity.

Performed ratio, trend, and cash flow analysis for corporate and fleet clients.

Evaluated industry and macroeconomic risks affecting borrower performance.

Prepared detailed Credit Assessment Memorandums (CAMs) for approval.

Structured working capital, term finance, and fleet loan facilities.

Assessed collateral adequacy and risk mitigation measures.

Monitored loan portfolios to identify early warning signals.

Ensured compliance with credit policies and regulatory standards.

Coordinated with relationship managers on loan structuring and approvals.

Conducted financial projections and sensitivity analysis.

Supported portfolio reviews and internal risk grading processes.
Key Achievement:

Managed end-to-end recruitment and onboarding processes.

Maintained employee records and HR documentation systems.

Coordinated training and professional development programs.

Assisted in performance appraisal and evaluation processes.

Ensured compliance with labor laws and internal HR policies.

Supported payroll coordination and benefits administration.

Facilitated employee engagement and communication initiatives.

Addressed employee queries and resolved workplace issues.

Contributed to workforce planning and staffing strategies.

Managed delinquent loan accounts to reduce non-performing loans (NPLs).

Conducted follow-ups and negotiated repayment plans with defaulters.

Monitored overdue portfolios and tracked recovery progress.

Implemented loan restructuring and settlement strategies where applicable.

Coordinated with legal teams for recovery and litigation cases.

Ensured compliance with recovery policies and regulatory guidelines.

Prepared recovery performance and aging reports for management.

Identified high-risk accounts and recommended corrective actions.

Maintained accurate documentation of recovery proceedings.

Contributed to improving overall portfolio quality and recovery ratios.