Syed Ahmed Murtaza Asadi

S/O Syed Asad Parvez

115-A ModelTown,

Lahore54700, Pakistan.

Tel: (92-42) 35837299& 35856415

Cell: 092-333-4269908

e-mail:

Objective:To excel with an organization offering growth potential and intellectual

challenge.

Date of Birth:May 10, 1976.

Marital Status:Married.

Education:

1998 – 2000.Master of Business Administration (MBA- Finance)

Institute of Business Administration (IBA) Punjab University,Lahore.

GPA 3.73 on a 4.00 scale (78%)

  • 1994 – 1996.Bachelors (BA) in Economics and Statistics

Government College Lahore.

Honors: Division One.

  • 1992 – 1994.Intermediate (FA) General science group (PostHigh School).

GovernmentCollegeLahore.

Honors: Graduation Grade A

  • 1990 – 1992.Matriculation, Science group (High School).

Divisional Public School Lahore.

Honors: Graduation Grade A-plus

Experience:

  • Nov 2012- Allied Bank Limited (Islamic Banking)

To Date Head Risk Management – Islamic Banking Group.

Responsibilities:

Reporting to Group Chief – Islamic Banking Group, Head Office, Lahore.

Basic assignment comprises:

a)Devising credit procedures credit policies for establishment of Islamic Banking Group at Allied Bank.

b)Developing Asset Manuals (Murabaha, Ijarah, Salam, Istisna & Diminishing Musharakah) and Risk Management Guidelines for obtaining Islamic Banking License from the regulatory authority i.e. State Bank of Pakistan (SBP). Approval to initiate Islamic Banking Obtained from SBP in July 2013

c)Developing Service Level Agreements (SLAs) to establish handshake with the conventional side of the Bank.

d)Conducting Islamic Banking Awareness sessions throughout the Bank (for senior management) and asset related training programs for the inherited staff of conventional branches being converted into Islamic Banking Branch and for other functional departments including Risk Management Group of Allied Bank.

e)Testing implementing of Islamic Assets module of Temenos (T-24).


  • Feb 2007- Bank Alfalah Limited (Islamic Banking Group)

Nov 2012 Sr.Credit Risk Analyst – Group Office-IBG, Lahore.

Responsibilities:

Working with the Country Head Credits – Islamic Banking Group

At Group Office, Lahore.

Basic assignment comprises:

a)To analyze, evaluate, recommend and approve/ decline Credit Proposals received from all 84 branches of Islamic Banking Group spread across the Country with credit book of around Rs.27 Billion.

b)To analyze Credit Proposals pertaining to customers from Corporate, Commercial & SME Sectors. Credit requests are made for various modes of Islamic finance (Short Term & Long Term) including Murabaha, Ijara, Musharka, Salam, Istisna, Letter of Credits, Letter of Guarantees, Foreign Bills Purchased, Export Finance, Import Finance etc.

c)Structuring of financial facilities / transactions to facilitate and match customer requirement while keeping in view banks policy, prudential regulations and Shariah principles.

d)Performing financial analysis of the customer, conducting Industry analysis, risk & security analysis.

e)Identification of potential sectors and worthy players of industries for the Marketing Units of IBG.

f)Preparing reports and memos for onward presentation to the Board of Directors / Executive Management.

g)Draft annual credit plan of IBG.

h)Periodical visits to major customers to monitor the accounts.

i)To supervise (dotted line) credit staff (over 90 employees) posted at 84 branches on day to day credit related matters.

  • Sept 2006-MCB Bank Limited,

Jan 2007Credit Analyst

Commercial Banking Group – Lahore.

Basic assignment comprises:

a)Preparing Credit Proposals of Individuals, SMEs for presenting before Competent Credit Sanctioning Authority.

b)Generating sanction Letter after obtaining Approval of Finance from Credit Sanctioning Authority.

c)Completion of Documentation for obtaining Disbursement Authority from Credit Administration Department.

d)Generating Monthly Statement of Advances

Job responsibilities cover all areas of Credit department in the Commercial Banking environment; overall administration of entire portfolio of Rs.1.50 Billion at the branch level; facilitation of new customers; deepening and consolidation of existing relationships.

  • May 2003- KASB Bank Limited, Regional Office-North, Lahore, Pakistan.

Sept 2006

Feb 2006-Senior Relationship Manager – SME-North

Sept 2006Job responsibilities cover all facets of Credit and SME department in the Commercial Banking environment; overall administration of entire portfolio at the allocated branches; facilitation of new customers; deepening and consolidation of existing relationships; preparation and elevation of credit proposals; completion of documentation as per Bank / SBP requirements; maintaining general credit operations and processing Credit Proposals of all North Branches outside Lahore.

May 2003-Regional Credit Risk Manager - North.

Jan 2006Responsibilities:

Working with the Head CRM at Area Credit Office-North.

Basic assignment comprises:

  • Analyzing Standard Credit Memoranda (SCM) / Credit Proposals elevated by the branches / field offices, for presenting before Competent Credit Sanctioning Authority.
  • Generating Approvals of Finance.
  • Periodic off-site Monitoring.
  • Devising credit procedures / updating Credit policies.

Overall Responsibilities include ongoing credit management, risk assessment of existing loans, minimizing noncompliance / past dues, identifying deteriorating credits and recommending action plans. Any discrepancies / divergence from terms of approval thus pointed out, being vigorously followed-up for removal / correction.

  • April 2000-International General Insurance Company of Pakistan Limited.

April 2003 (A Packages Group Company)

Executive Officer (Marketing & Underwriting)

Worked at Corporate Office, Lahore.

Responsibilities:

(Marketing)

  • Developing clientele and providing customer services to non-group and group clients of IGI Lahore.
  • Developing and implementing marketing plan & strategies for IGI
  • Developing and implementing advertising campaign for IGI
  • Developing and implementing marketing procedures for ISO 9002 certification for all the marketing departments of IGI.

(Underwriting)

Handling Marine Insurance Department at IGI.

  • Issuing Marine (Transit Insurance) Cover Notes, Policies & Certificates.
  • Risk Management pertaining to insurance coverage.
  • Marine Data Entry (AS 400).
  • Handling Marine Claims.

Worked as an in-house auditor for conducting periodical reviews to maintain International Quality Standards relating to ISO 9002

June 1999-Habib Bank AG Zurich. Lahore, Pakistan.

August 1999.Worked as an internee in various departments of the bank and gained knowledge of internal working of HBZL.

July 1996-Fidelity Investment Bank Limited. Lahore, Pakistan.

August 1996.Worked as an internee in the shares department.

September 1996-Citibank N.A. Lahore, Pakistan.

October 1996.Worked as an internee in CitiGold Global Consumer Banking.

MBA Thesis: Global/local Banking structure and operations of

Habib Bank AG Zurich.

Research Reports:

  • Gillette Corporation: Marketing Mix in a Global Environment.
  • Economic Analysis of Industrial Development.
  • Appraisal of Taxation Laws of Pakistan (Taxation Management)

Courses:

  1. Attended a workshop on Enhancing Outreach in Islamic Banking held by The Institute of Banking & Business Learning (IBBL), held at Lahore in November 2013.
  1. Attended a 5 day course on Finance for Non- Financial Managers (FNFM), held at Lahore University of Management Sciences(LUMS), in September, 2013.
  1. Attended an extensive 5 days course on Executive Course on Islamic Banking & Takaful, held by Center for Islamic Economics(CIE)for ABL-IBG, at ABL Management Development Center Lahore, in September 2013.
  1. Attended a 3 dayExecutive Development Program in Islamic Banking, held by Center for Islamic Economics (Dar Ul Uloom Karachi), at Lahore, in May 2013.
  1. Attended an advance 3 days Course on Islamic Banking & Takaful, held by Center of Islamic Economics (Dar Ul Uloom Karachi), at Lahore, in December 2010.
  1. Attended a Course on Business Communication for Managers, held at Training & Development Center Bank Alfalah Limited, Lahore, in November2010.
  1. Attended a Course on Trade Finance, held at Training & Development Center Bank Alfalah Limited, Lahore, in July 2010.
  1. Attended a Workshop on Credit Analysis and Credit Risk Management, by Akbar A. Chughtai, at National Institute of Banking & Finance (NIBAF) Islamabad, in February 2010.
  1. Attended a Workshop on Financial Analysis and Credit Risk Management, by Dr. Salman Shah(Ex- Finance Minister) held at Pearl Continental Hotel, Lahore, in February 2009.
  1. Attended a Course on Prudential Regulations Corporate & Commercial Banking pertaining to Risk Management, held at Training & Development Center Bank Alfalah Limited, Lahore, inJanuary 2009.
  1. Attended a Course on Islamic Banking & Insurance, held by Center of Islamic Economics, at Lahore, in May 2007.
  1. Attended a Workshop on SME Financing, held by BankAkademie International, Germany and SBP, at National Institute of Banking & Finance (NIBAF) Islamabad, in May 2006.
  1. Attended a Course on Service Quality, held by Cell X, at Lahore, in May 2006.
  1. Attended a Seminar on Financing to SME arranged by SBP, at Lahore, in April 2005.
  1. Attended a Course on Financial Analysis Skills, held by Lahore Institute of Accounting, at Lahore, in May 2004.
  1. Attended a Course on Cash Flow Based Lending, held by Institute of Bankers Pakistan, at Lahore, in January 2004.
  1. Attended a Training Course on SBP Prudential Regulation with special reference to latest amendments, held by Institute of Bankers Pakistan, at Lahore, in December 2003.
  1. Attended an In-House Training Course on ISO 9002 in November 2001, held at Packages Limited, Lahore.

Skills:Proficient in use of various computer based applications andSoftwares.

  • Attended a course in Information Technology, Informatics Computer Institute, Pakistan.
  • Attended a course in E-Commerce, Informatics Computer Institute, Pakistan.

Reference:Available on request.

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