MUHAMMAD MOHSIN

 Identify and engage SME prospects through referrals, existing contacts and outbound calls to build a pipeline for business finance products.  Review customer accounts, project information and cash flows to support credit proposals that balance client requirements with lending risk.  Check due-diligence and security documents before submission, working with credit, operations and compliance teams to reduce avoidable rework.

 Managed SME banking relationships and identified suitable financial products to deepen client engagement and expand business opportunities.  Coordinated account activity within central-bank requirements and internal credit and risk policies

 Assessed SME financial profiles and worked with clients to structure commercial loan solutions aligned with their needs and risk position.  Maintained regular client contact and cross-selling activity, consistently meeting monthly commercial lending targets

 Handled high-volume SME acquisition activity, screening applications and improving document readiness before credit review.  Coordinated onboarding requirements with customers and internal teams to support smoother processing.

Built a sales pipeline for financial services and co-branded loyalty products through targeted customer engagement.

 Advised SME customers on commercial banking options and capital requirements, linking clients with partner banks for suitable facilities.

 Developed new business relationships and positioned Sharia-compliant banking products against customer needs and market conditions.

 Built SME financing relationships and reviewed client financial positions to support ongoing credit monitoring and portfolio quality.

 Progressed through sales, business planning and credit processing roles, supporting lending applications, disbursement checks and operational compliance.  Prepared business and market analysis to support management planning and commercial decisions.