Muhammad Umar Siddique

Credit Analyst
20 February 1991

About Candidate

Performance-driven and analytical Credit Analyst with 6 years of
experience in credit risk management for all types of banks and other
lending institutions. Proven experience in assessment of creditworthiness of
client companies. Wide background in financial information analysis,Strong
current knowledge of compliance and legal issues involved in credit



BS(Hons) Economics 2010-2015
University of The Punjab

Work & Experience

Credit Analyst 27-09-2022 - 17-07-2023
Al Baraka Bank Pakistan Ltd

• Processing and decision of asset products proposal as per approved product programmed process manual. • To ensure all credit proposals should be processed in line with bank’s credit policies and SBP regulations. • To assign the credit limit as per delegation and ensure that the case is approved as per policy without compromising the risk and policy. • To clearly communicate policy guidelines down the line, accelerating policy implementation, and ensuring strict compliance to the rules at every level. • To propose different productive and innovative ideas to increase over all efficiency and productivity. • To ensure all details of the applicants should be updated on the system before disbursal. • Responsible for issuing offer and purchase order. • To have close co-ordination with EAMVU regarding legal opinion, verification,appraisal’s and income estimation.

Credit Analyst 09-08-2021 - 27-09-2022
MCB Bank Ltd

• Develops, applies and improves technical expertise necessary to properly identify risk,controls and potential loss causes. • Gathers and analyzes information necessary to make an accurate evaluation of the risk. • Oversees the proper implementation of policies, central bank guidelines, filing and MIS submission. • Ensure all applications are filtered through tight risk checks. • Proactively handle and highlight potential causes of problems. • Review risks and determine underwriting acceptability; remains vigilant and takes action to achieve results that positively impacts business in long run. • Contributes to the development and achievement of credit goals and objectives.

Credit Officer 7-09-2019 - 06-08-2021
Bank Islami Pakistan Ltd

• Review loan requests and Assess clients’ financial status. • Investigation and resolving outstanding issue. • Evaluate creditworthiness and risks. • Preparation of supporting documents for client credit approval. • Analyze risks and approve or reject loan requests. • Calculate financial ratios (e.g. credit scores and interest rates)

Junior Credit Analyst 27-12-2017 - 05-09-2019
Faysal Bank Ltd

• Processing of Credit Cards, Personal Loan and Running Finance in Retail Risk Management. • Verification of all customers’ credit application information, including bank and direct sales references. • Investigation and resolving outstanding issue. • Preparation of supporting documents for client credit approval. • Data entry for all compiled information. • Sales data entry and personal information of customers into computer database.


Certificate of Achievement 2018
PL-Central Top Performing Professional 1st Quarter 2018 award: (Faysal Bank) Certificate of achievement for being top performing professional as Analyst Personal Loan Central.
Auto Finance Champion September-2020 award 2020
Auto Finance Champion September-2020 award: (Bank Islami Pakistan) Outstanding performance in achieving the milestone of highest ever disbursement of Rs.1.0 Billion.
Auto Finance Champion 1st Quarter 2021 award 2021
Auto Finance Champion 1st Quarter 2021 award : (Bank Islami Pakistan Ltd) Outstanding performance in achieving the milestone of highest ever disbursement of Rs.4.0 Billion