Ashfaq Khan Email & Phone Number

Rawalpindi, Punjab, Pakistan

• Responsible for achieving revenues and asset growth by providing appropriate solutions and value-added services to the existing client base.• Ensures budget achievement on a monthly, quarterly, and annual basis while evaluating revenue and spreads in order to reach continued profitability• Credit Appraisal in terms of financial statements, financial ratios, and industry for various SME, Commercial and Corporate clients by creating solutions (Working Capital Lines, Mortgage Financing, Project Financing, Import Based Lines (LC Sight, LC DP, Finance against imported merchandise, Letter of Guarantees, Fleet Financing and Financing of Islamic Banking Products.• Monitoring of Portfolio of assets and exercising due diligence, early warning reports, and post-sanctions follow-ups.• Preparing, appraising, and recommending credit proposals to the management credit committee and chief credit officer for approval.• Conduct meetings to get first-hand reviews of the proposals and conduct site meetings and visits for high-value deals • Enhance the return on the Risk Adjusted Assets through obtaining more collateral/cash margins, better pricing on bank assets, fee collection, cross-sell different bank products, and growth in bank liabilities • Assist in monitoring and carrying out portfolio maintenance, by assisting the Regional Business Lines to avoid or minimize having Past Due Annual Reviews (PDAR), expired limits, overstepping, discrepancies, and other credit-related issues affecting the delivery of service to the customers. • Monitor Past Due Annual Reviews, Expired Limits, Overstepping, Discrepancies, and other credit-related issues on a regular basis and coordinate with different departments to streamline the issues and set up strategies to resolve them.• Completion of pre-disbursement formalities after approval in coordination with CAD.• Execution of trade related transactions of asset customers in coordination with Trade.

Rawalpindi, Punjab, Pakistan

• Handling and generation of portfolio consisting of Commercial and Corporate clients from North Region along with daily handling of allocated portfolio.• Assisting the branches in generation of Assets Portfolio of North Region.• Evaluate and process the credit proposal generated from North Region including gauging the actual credit requirement of the customer and visiting the prospect & existing asset / borrowing customers.• Completion of pre-disbursement formalities after approval in coordination with CAD.• Execution of trade related transactions of asset customers in coordination with Trade.• Implements collection strategy for the region to meet targets.

Islamabad, Islāmābād, Pakistan

• Professional management & maintenance of commercial & SME relationships within acceptable risk parameters which includes Real Estate, Pharmaceuticals, Traders of commodities and Oil & Gas with the achievement of maximum profitability. • Identification, soliciting and acquiring new commercial/SME clients in line with approved strategies for Assets & Trade sales, while keeping the existing clientele regular.• Follow-up with NPL’s related customer for regularization and to get maximum cash recoveries.• Keep abreast of the prevailing market conditions, bank policies or guidelines and regulatory requirements of credit risk management and ensure compliance thereof.• Monitoring account performance by pre identification and early warning signals of any event escalating risk and taking measures for its early rectification or devising exit strategy.• Preparation of Credit Proposals to get approvals from the approving authorities. • Identify cross sell opportunities for bank’s other products and services to the existing relationships and potential ones.• Study customer facilities requirements and implementing the appropriate structure in line with terms and conditions to protect bank assets.• Compliance with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank

Islamabad, Islāmābād, Pakistan

• Preparation of Credit proposals of SME/ Commercial and Corporate clients and structuring transactions.• Maintained proper and effective correspondence with new and existing clients for fresh business• Coordination with Credit Administration department for loan disbursement• Analyzing the credit proposals (Analysis of Audited Financials) IOM’s for obtaining approvals from senior management, Executive committee/Board. • Ensure timely completion of weekly, monthly and quarterly statements related to the job.• Monitoring of issuance and timely settlement of Murabaha finance.• Conducting proper due diligence of companies by carrying out financial analysis including ratio analysis, cash flow analysis, horizontal & vertical analysis.• In liaison with Shariah department of the bank, experience of structuring products by providing Islamic alternate to conventional banking products such as Running Finance, Cash Finance, Leasing, FATR, FIM, Term loan and Demand Finance.• Cross selling of bank’s liability, consumer products and cash management services.• Experience of In-house training for Corporate & Islamic Banking products.

Rawalpindi, Punjab, Pakistan

• Preparation of Credit line proposals of SME and Commercial clients and handling of Fund based Portfolio of Rs.300M and Non Fund Based Portfolio of Rs.800M.• Negotiation of appropriate credit lines in conformity with the Bank's credit policy and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.• Maintained proper and effective correspondence with new and existing clients to obtained the required documents for further submission to credit factory and RCAD for approval and limit disbursement of funded and non-funded exposures. • Maintenance of Shadow Credit files for existing and expected Portfolio.• Facilitation of clients for their Trade Business i.e. Issuance of Letter of Guarantees and Letter of Credit with Trade processing center.• Assist the team in preparing budgets, presentations.• Ensure that the Markup is collected from the customers within 15 days from issuance of markup recovery letter.• Ensuring timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.

Dubai, United Arab Emirates

• Responsible for the maintenance and service of assigned customer base.• Responsible for contacting customers, reply to the inquiries, offering companies product proposals and recording and imputing of all orders coming into the organization from assigned customers in the appropriate format.• Responsible for price negotiation in a manner that will create a win-win solution for both the customers and organization.• Assisting management in arranging various large to medium size events in corporate launches and entertainment.

Dubai, United Arab Emirates

• Effective tracking of DSR sales performance through daily call reports Checks.• Ensure all the team members maintain a highly level of productivity. • To identify and ensure new markets / companies are identified for sales. • To ensure that monthly/yearly targets are met for self and for group.• Receiving the data from retailers and distributors.• Customer surveys to check their needs and wants and expectations.• Market audit by closely monitor the changing trends in the market and prepare the marketing plan.