shagufta perveen 97156 2283 736 perveenshagufta01gmailcom 0359aa68trknav responsive tab profile pic position applied banking finance objective pursue challenging career financial sector growth oriented organization offers opportunity personal growth career development professionworking environment achievements strategically restructured financial reporting process implementation discrete reporting markup servicing utilization recoveries landed portfolio introduce new financial reporting control npl customer wise report recoveries monthly gm gh sales achieve yearly lending portfolio well annual growth targets 2nd quarter financial year core competencies credit financial analysis financial management reporting credit portfolio management international banking trade finance regulatory compliance efficiency improvements branch banking operations experience sales service officer may 2015 present uae exchange co llc uae uae exchange leading trusted global money transfer foreign exchange brand 79 million customers 750 direct offices 32 countries across 5 continents correspondent banking relationship 150 global banks responsibilities remittances funds required correspondent banks foreign currencies exchange online payments flash services corporate accounts opening maintenance companies salaries payments wps nonresidents account opening native countries credit portfolio manager jun 2012 nov 2014 united bank limited karachi pakistan united bank limited credit rating aa customer base 35 million customer deposit rs 600 billion advances amounting rs 400 billion forefront banking financial services pakistan responsibilities review credit proposals limit assessment ratification review analyses portfolio fortnightly performance month month identify problematic accounts delinquent accounts maintain reporting markup servicing utilization limits quarterly maintain npl reporting recoveries