Experience

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  Noor Islamic Bank PJSC

  • Manager - Documentation Unit

    • Dec 2007 - Present

    Involved in set up of Credit Administration Department and Documentation Unit, preparation of Standard Operating Process, Job Descriptions, Service Level Agreements etc., responsible for smooth function of the documentation unit, perfection of documentation and bank’s securities – 18 years of experience in Credit Administration enriched my knowledge related to core function of Credit Administration.Handling complete documentation of the following Islamic Products under Corporate and SME:- Murabaha (Commodity/ Import/ Local)- Islamic Covered Drawings (ICD)- Ijara & Forward Ijara- Syndication & Club Deals- Mudaraba

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  Union National Bank

  • Manager - Credit Administration

    • May 2006 - Dec 2007

    In addition to the corporate and retail documentation of conventional banking, also involve in documentation of Islamic Banking of Al Wifaq Finance Company, Subsidiary of Union National Bank for the following Islamic Banking Products:- Mudaraba- Ijara - Forward Ijara - Musharaka- Murabaha- Istisna’aCore Job Responsibilities:- Review of credit approvals.- Checking of facility offer letter in line with approved securities and terms & conditions.- Vetting of executed documents.- Discussion with Legal Advisor on critical issues and to resolve them.- Providing solutions and alternate ways in professional manner keeping safeguard of bank’s interest for the problems to business units.- Provide guidance to sub-ordinates and help them in developing their work skill to deliver the job in proper manner.- Release of credit facilities for implementation.

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  Abu Dhabi Commercial Bank

  • Senior Officer - Documentation

    • Aug 2004 - May 2006

    Core Job Responsibilities:- Review of credit approvals.- Checking of facility offer letter in line with approved securities and terms & conditions.- Vetting of executed documents.- Discussion with Legal Advisor on critical issues and to resolve them.- Providing solutions and alternate ways in professional manner keeping safeguard of bank’s interest for the problems to business units.- Provide guidance to sub-ordinates and help them in developing their work skill to deliver the job in proper manner.- Release of credit facilities for implementation.

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  Mashreqbank Psc

  • Senior Officer - Documentation

    • Jul 1999 - Aug 2004

    Scope of job as follows:- Trade Finance- Contracting Finance- Syndication - Free Zone Companies/ Multi-national Companies- Real Estate FinanceJob Responsibilities:Documentation & Syndication Unit (From 1st July’99 – August 2004)To ensure that the bank is protected at all times through appropriate and legally enforceable charge documentation/ securities.Prepare documentation checklist to determine the required documentation to be obtained prior to implementation credit facilities.Communicate detailed terms and conditions, limits approved, documentation required to the clients through comprehensive offer letter to document offer and acceptance of credit facilitiesVetting of executed documents in terms of the source documents/ power of attorney held on record, to ensure authenticity and legal enforceability.Responsible for review/ scrutinize the Credit Approval. Keep track of expiry of documents through ‘Monthly Exception Reports’ (MIS). Co-ordinate with Bank’s Internal Legal Counsel on legal issues and cases for guidance and to have clearance/ draft of non-standard/ non-routine documents to perfect the Bank’s security.

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  Mashreqbank

  • Senior Officer – Inspection & Surveillance

    • Jan 1988 - Jun 1999

    Job Responsibilities:Pledge of Goods/ Security features and to ensure that the adequate control features are in place to protect the interest of the Bank.Conduct collateral inspection & co-ordinate with Marketing/ Credit Personnel in case of any deficiencies/ shortcomings, for taking appropriate remedial measures.Investigate/ Review of Accounts as & when required in case of any problem.Proactively gather information through MIS and from Market Intelligence.Handling of Loan Against Bills Discounting (LBD) Returned Checks.Responsible for review of stock statement and to determine the drawing power and in case of shortfall take corrective action.To generate different Exception/MIS Reports. Assist Manager in resolution of problem related to deterioration of borrowing accounts, shortfall in collateral and assessment of pledge/ LIM goods.

  • Officer

    • Jan 1994 - Dec 1997

    • Worked as “Officer” in Centralized Information Unit – Credit Control Department• Monitor the movement and performance of the Classified Accounts.• Prepare reports for Group Large Exposures for the Central Bank of UAE.• Downgrade the account as and when there are past due obligations, in-line with the • Bank’s Credit Policies. • Authorize the inward clearing cheques and remittances within the delegated discretionary powers of Relationship Manager/s.• Prepare all Central Bank Reports and various adhoc reports for Credit Control Department, and Internal Auditors for audit purpose.• Liaise with the Central Bank Auditors, External Auditors and bank’s Internal Auditors to provide all logistic supports as and when required.• Issue and obtain bankers’ report, client credit checks/ profiles. Confirm customer balances to their auditors and provide respective break-up as and when required.• Ensure timely payment and recovery of charges relating to bankers’ reports, client credit checks etc.• Obtain Risk Bureau reports from Central Bank on prospective relationships.

  • Assistant

    • May 1989 - Jan 1994

    Worked as “Assistant” in Credit Division and Credit Administration Division.

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  Bank of Oman Limited - Karachi Branch, Pakistan (Presently knows as Mashreqbank Psc)

  • Assistant

    • Sep 1983 - May 1989

    Worked in Mashreqbank (formerly Bank of Oman Limited), Karachi Branch (Pakistan).Reconciliation DepartmentTracing, follow-up and generation of outstanding transactions reports of 19 foreign currency accounts.Current Account Department• Customer Services and complaint handling/ Issuance & receipt of instruments/ Lodgement and follow up of proceeds of checks under IDBCs and ODBCs and checking of log reports with the vouchers and checks posted.Import Department• Checking, Lodgment, Retirement of documents under LCs and IDBCs.• Safe custody of documents held by the bank under PAD, Acceptance, TR and LIM.• Preparation and posting of vouchers at the time of lodgment or retirement of documents and shipping guarantee liability.• Month end balancing of General Ledger Heads i.e. LC Liability, PAD, TR, LIM, Acceptance and Shipping Guarantee.

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  Habib Bank Limited - Karachi - Pakistan

  • Assistant

    • Mar 1980 - Sep 1983

    Worked as Audit Assistant in Habib Bank Limited, Audit & Inspection Department, Head Office, Karachi - Pakistan.