Ayesha Umer Email & Phone Number

Karachi, Pk

Pakistan

Pakistan

Pakistan

Pakistan

Nominee Director

Pakistan

Pakistan

Market, Manage & monitor corporate portfolio/relationships ensuring sound portfolio quality, continuous management of credit risk and maximization of profits. Currently responsible for a portfolio of over USD 100mn with majority of client base belonging to the Textile, Auto and Allied industries, Consumer Durables/ Electronics, Food & Beverages, Paints & Chemicals and Packaging sector

Pakistan

•Maintain strong relationship with clients, understand their requirements, identify new business opportunities, cross sell to increase wallet share and target new customers. •Presentation of Credit Proposals to Credit Committee with complete Financial and Industry analysis, Identification of risks and mitigants, Relationship Strategy and Security Structure •Ensure timely receipts and disbursements from/ to clients and adequate utilization of limits. Responsible for review and monitoring of the clients on a continuous basis (through routine business calls, plant inspections and financial updates). Recommendation of restructuring/ other remedial measures where required. •Coordinate with all departments to ensure smooth processing of client’s requirements, completion of documentation to ensure audit compliance and complete client service to augment business growth.

•Product Development - Developed the Standard Operations Procedure (SOP) manual describing the policies and procedures governing the product. Succesfully launched the product for the bank.•Target Monitoring - Instituted corporate deals with various organizations to build a clean lending portfolio with low risk. Effectively motivated the sales team to increase monthly sales and achieved record sales growth of USD20mn in the year 2006•Portfolio Management - increase sales, conduct credit analysis, security documentation completion, control iteration, manage rental collection, monitor real estate & interest rate fluctuations•Performed employee evaluations, scheduled continuous education and training, and assisted with career development through annual performance appraisals•Software Solutions - asssted in the implementation of the International Core Banking System i.e. Symbols and played a key role in the Gap Analysis and Reconciliation. Conducted training sessions for the general overview of the product as well as the software to successfully role out the product across the country.

•Member of Credit Committee and jointly responsible (with branch manager) for approval of cases within the prescribed/ approved credit limits/ authorities•Streamlined the operations and documentation requirements to ensure uniformity and compliance with State Bank of Pakistan’s regulations and Bank’s Policy through out the region. Liaison with the external agencies such as verification, valuation, dealers etc in order to expedite processing thus providing quality customer service through efficient processing and faster turn around time•Maintained tight control over Pre & Post disbursement documentation such a vehicle registration, insurance and legal documents for better security and audit compliance•Effectively & Efficiently built and managed the operations team of the entire southern region •Implemented the Auto Finance Software – Lease Installment Management System (LIMS) on a pan Pakistan basis thereby automating the auto finance front end management system. Supervised successful conversion from manual to computerized record-keeping, resulting in enhanced customer service and account reporting.

Bsc Honours, Computer Science & Economics

O & A Levels, Economics, Maths And Accounting

Activities and Societies: Member of Helpers Society