Executive Portfolio

AHSAN KARIM

Credit Officer

Agricultural Credit & Compliance Professional
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AHSAN KARIM
01 / Profile

Biography & Information

Agricultural Credit & Compliance Professional

Identity & Contacts

Executive Biography

Agricultural credit and compliance professional with 11+ years of experience at Zarai Taraqiati Bank Limited (ZTBL), specializing in agricultural credit appraisal, risk assessment, branch management, credit administration, and regulatory compliance across Gilgit-Baltistan. Consistently achieved 90%+ of assigned targets across loan recovery, disbursements, deposits, and new-to-bank acquisitions. Experienced in SBP regulatory compliance, multi-branch credit review, loan sanctioning, and supporting rural financial inclusion.

02 / Expertise

Technical Capabilities

Credit & Risk Management

  • Credit Appraisal
  • Risk Assessment
  • Loan Sanctioning

Regulatory Compliance

  • SBP Regulatory Compliance
  • Internal Policy Compliance
  • Credit Documentation Review

Credit Administration

  • Multi-Branch Credit Review
  • Loan Disbursement & Recovery
  • Credit Case Verification

Banking Operations

  • Branch Operations Management
  • Cash Management
  • Internal Audit Support

Data Analysis & Decision Support

  • AI-Assisted Data Analysis
  • Data-Driven Decision Making
03 / Solutions

Services Offered

Agricultural Credit Advisory

Professional guidance on agricultural lending, credit appraisal, loan structuring, and financing solutions for farmers and agribusinesses.

Credit Risk Assessment

Assessment of borrower creditworthiness, financial risks, documentation, and lending risks to support informed credit decisions.

Regulatory Compliance Advisory

Advisory support on banking regulations, SBP requirements, internal policies, compliance gaps, and corrective actions.

Credit Documentation Review

Review and verification of credit applications, loan documentation, policy compliance, and risk-related documentation issues.

Branch Operations Advisory

Guidance on branch operations, transaction management, cash handling, customer services, internal controls, and operational compliance.

Rural Financial Inclusion

Support for initiatives that improve access to financial services and financial literacy among rural communities and smallholder farmers.

Financial Literacy Training

Training and awareness sessions covering basic financial concepts, agricultural financing, loan processes, repayment, and responsible borrowing.

Agricultural Finance Solutions

Development and guidance on tailored agricultural financing approaches aligned with the needs of farmers and agribusinesses.
04 / History

Professional Timeline

Credit Officer

Sep 2024 – Present
Zarai Taraqiati Bank Limited (ZTBL)
Manage agricultural credit appraisal, disbursement, and recovery for farmers and agribusinesses. Consistently rank among the bank’s top performers, achieving 90%+ of assigned targets across recovery, disbursements, deposits, and new-to-bank (NTB) acquisitions.

Compliance Officer

Sep 2023 – Sep 2024
Zarai Taraqiati Bank Limited (ZTBL) — Compliance Unit, GB Region
Monitored branch and regional adherence to State Bank of Pakistan (SBP) regulations and internal policies. Identified compliance gaps and supported corrective actions across the region.

Branch Manager

May 2022 – Sep 2023
Zarai Taraqiati Bank Limited (ZTBL) — Gupis Branch
Sanctioned loan applications for farmers and agribusinesses, conducted risk assessments, and oversaw disbursements. Directed branch operations, ensured compliance with SBP regulations and internal credit policies, and delivered financial-literacy sessions to advance rural financial inclusion.

Credit Reviewer

Apr 2021 – May 2022
Zarai Taraqiati Bank Limited (ZTBL) — Credit Administration Unit, GB Region
Reviewed credit cases and loan documentation across 11 branches in the region. Verified compliance with credit policy and identified risk and documentation issues for resolution.

Mobile Technology Officer / Credit Officer

Feb 2015 – Apr 2021
Zarai Taraqiati Bank Limited (ZTBL) — Danyore
Delivered PKR 110 million+ in agricultural loan disbursements through tailored credit solutions for farmers. Guided clients through loan processing, documentation, and repayment, and promoted adoption of agricultural technology among smallholder farmers.

Assistant Manager — Operations

Jan 2015 – Feb 2015
Zarai Taraqiati Bank Limited (ZTBL)
Oversaw daily banking operations and transaction processing. Managed cash flow, customer queries, and account services while supporting internal audits and compliance checks.
05 / Education

Academic Credentials

2010 – 2014
Completed

Bachelor of Agricultural Engineering

University of Agriculture, Faisalabad, Pakistan
06 / Traits

Achievements & Soft Skills

Winner, University Presentation Competition Consistent Top Performer at ZTBL 90%+ Achievement of Assigned Loan Targets PKR 110 Million+ Agricultural Loan Disbursements
07 / Validation

Certifications & Trainings

Certifications

  • Certified Agri Credit Specialist
  • English Language Education Program

Professional Trainings

  • English Language Education Program
08 / Portfolio

Flagship Projects

Agricultural Credit Disbursement Program
Portfolio

Agricultural Credit Disburseme...

Managed agricultural credit appraisal and facilitated more than PKR 110 million in loan disbursements for farmers throug...

Multi-Branch Credit Review Initiative
Portfolio

Multi-Branch Credit Review Ini...

Reviewed credit cases and loan documentation across 11 ZTBL branches in Gilgit-Baltistan, ensuring compliance with credi...

Regional Banking Compliance Monitoring
Portfolio

Regional Banking Compliance Mo...

Monitored branch and regional compliance with State Bank of Pakistan regulations and internal policies, identifying comp...

Rural Financial Inclusion Initiative
Portfolio

Rural Financial Inclusion Init...

Delivered financial-literacy sessions and supported access to agricultural financing to promote financial inclusion amon...

Agricultural Technology Adoption Initiative
Portfolio

Agricultural Technology Adopti...

Supported smallholder farmers in adopting agricultural technology while guiding them through agricultural loan processin...

Agricultural Credit Risk Assessment & Loan Management
Portfolio

Agricultural Credit Risk Asses...

Assessed creditworthiness and lending risks for farmers and agribusinesses, reviewed loan applications and documentation...

09 / Platform

Contributions

Agricultural Credit & Financing

Managed agricultural credit appraisal, disbursement, and recovery while delivering PKR 110 million+ in agricultural loans to farmers and agribusinesses.

Regional Compliance Monitoring

Monitored branch and regional adherence to State Bank of Pakistan regulations and internal policies, identifying compliance gaps and supporting corrective actions.

Multi-Branch Credit Review

Reviewed credit cases and loan documentation across 11 branches in Gilgit-Baltistan, verifying policy compliance and identifying risk and documentation issues.

Rural Financial Inclusion

Delivered financial-literacy sessions and supported improved access to agricultural financing for rural communities and smallholder farmers.

Agricultural Technology Promotion

Promoted the adoption of agricultural technology among smallholder farmers while providing guidance on loan processing, documentation, and repayment.

Branch Operations & Compliance

Managed daily banking operations, customer services, cash flow, transaction processing, internal audit support, and compliance checks.
10 / Endorsements

Client Testimonials

“
Ahsan Karim has demonstrated strong expertise in agricultural credit, consistently achieving high performance across loan recovery, disbursements, deposits, and new-to-bank acquisitions.
— ZTBL Management
“
Ahsan brings solid experience in regulatory compliance, credit review, risk assessment, and documentation, with the ability to effectively support banking operations across multiple branches.
— Regional Banking Team
“
Ahsan has provided valuable guidance to farmers and agribusinesses throughout the credit process, from loan appraisal and documentation to disbursement and repayment.
— Agricultural Finance Clients
“
His experience in branch management, operational oversight, compliance, and customer service reflects a strong commitment to efficient and responsible banking practices.
— Branch Operations Team
11 / Connect

Get In Touch

Let's create something together

Reach out for collaborations, consultation, or interviews.

Email
ahsankarim90@gmail.com
Phone
+92 342-5225478
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