BUSINESS ADDRESS

Loan Analyst
American Equity Mortgage Inc.
11933 Westline Industrial Drive
St. Louis MO 63017
U.S.A.
Fax# (1) 314-439-4657
HOME ADDRESS

14470 Tramore Drive, Apt# 2
Chesterfield MO 63017

14508 Tramore Drive, Apt# 6
Chesterfield MO 63017

saqibsalman@usa.net
SAQIB SALMAN

CAREER OBJECTIVE
To seek a suitable managerial position in a reputable organisation
EXPERIENCE
October 29, 2001 - to-date American Equity Mortgage Inc. (St. Louis, Missouri, USA)
Loan Analyst
Submission Department, Operations
  • Submitting loans to underwriters
  • Pre-closing loans before passing it to closing department

    • From August 29, 2001 to October 29, 2001 I was placed at American Equity Mortgage Inc as a Set-up Analyst through Accountemps
May 8, 2001 - Aug 8, 2001 Pinnacle Consulting LLC (Denver, Colorado, USA)
 Business Manager
  • Responsible for managing daily affairs of business
  • Identifying potential markets and devising strategy to capture such markets
  • Daily dealings (including negotiating rates/volumes) with buyers and suppliers
  • Assessing financial feasibility of taking on new projects
Dec 1, 1998 - Mar 30, 2001 Muslim Commercial Bank (Karachi, Pakistan)
 Relationship Manager (Grade 1) from May 2000 to Mar 2001
Advances & Credits Department
Corporate Banking Group, Main Branch
  • Negotiating credit limits & interest rates with prospective/existing customers
  • Processing credit proposals for disbursement of credit facilities
  • Security documentation / completion of documentation shortfalls
  • Customer-call reports and factory visit reports
  • Thorough evaluation and analysis of customer's financial statements
  • Project Finance - Repayment Schedules, Overdue Statements, Recoveries

    • Financial Analyst (Grade 1) from Mar 1999 to May 2000
    Financial Control Division
    Head Office
    • Preparing monthly budget statements
    • Preparing reports to various departments
    • Periodic position reports to State Bank of Pakistan

      • Management Trainee (Grade 1) from Dec 1998 to Feb 1999
      Staff College
      • Training in General Banking, Imports and Exports, and Advances and Credits
Jun 1997 - Aug 1997 American Express Bank Ltd (Karachi)
 Internee, Operations Bills (Exports)
  • Verified and completed ‘E’ Forms for SBP reporting
  • Prepared various export exhibits (UBP, BP and FBC)
  • Assisted in L/C Advising
  • Assisted in preparation of credit advises and other payment realisation procedures
Jan 1996 - Apr 1996 Reckitt & Coleman of Pakistan Ltd (Karachi)
 Internee, Finance Department
  • Budgeting and Standard Costing in my capacity as an ICMA Part 3 qualified
  • Report Writing
  • Assisted the Planning Department in preparing presentations for the Management
  • Identified Cost Departments and allocated costs to those centers
Feb 1995 - Apr 1995 CitiBank N.A., (Karachi)
 Internee, Marketing, CitiCorp Investment Bank
  • Prepared a target market list for issue of Term Finance Certificates, Certified Term Finance Certificates, and Demand Promissory Notes
  • Calculated Financial ratios such as Interest Coverage, Cash Coverage, ROE, Current Ratio, Pre-tax and Post-tax margins, Leverage and Cash Cycles of target companies using Annual Reports and related information
  • Prepared a list of all Financial Institutions, Corporations, Charitable Institutions, Insurance Companies, Government Organisations, and other potential customers
  • Updated clientele records by keeping in touch with client companies
Jun 1993 - Jul 1993 American Express - TRS (Karachi)
 Internee, Finance Department
  • Monitored the effect on purchases of Traveler Cheques and US Dollars in comparison to the black market, after imposition of a 5% tax on the purchases of Foreign Currency
  • Calculated American Express’ Contribution in Total Sales for certain destinations via PIA Flights
  • Formed an in-department resume sheet

EDUCATION
June 1998 Lahore University of Management Sciences
 Candidate for Master of Business Administration (MBA)
1996 Institute of Cost and Management Accountants of Pakistan
Cleared Part 1, 2 and 3
1994 University of Karachi
Bachellor of Comerce (BCom)
1991 The City School Karachi
Advanced Levels through Oxford University Board, England
1989 The City School Karachi
Ordinary Levels through Cambridge University Board, England
MBA PROJECTS
Second Year Project A feasability study of setting up a four star hotel in Lahore
The Cement Industry of Pakistan An Economics Project in MBA first year
The Cereal Industry of Pakistan A Business Analysis Project in MBA first year
SPECIAL SKILLS Microsoft Words, Lotus for Windows, Excel, Microsoft Word, Freelance Graphics, PowerPoint, Harvard Graphics, SPSS and Others
EXTRA CURRICULAR Cricket, Table Tennis, Squash, Swimming and Volleyball
DATE OF BIRTH November 24, 1972
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