Usman Ashraf Email & Phone Number

Multan, Pk

Multan, Punjab, Pakistan

• Manage a diverse corporate portfolio exceeding PKR 5 billion, including sectors such as Textiles, FMCG, Pesticides, and Edible oil.• Foster and maintain strong client relationships by addressing financial needs and providing tailored solutions, including working capital financing, project financing, and both funded and non-funded options.• Structure credit lines and execute working capital financing, trade financing, and capital expenditure (capex) financing.• Lead annual client reviews, analyzing business models and financial statements to assess risk.• Perform periodic financial analyses of existing clients to monitor their financial health.• Develop and deliver sustainable Islamic financing solutions tailored to clients' specific needs and in compliance with Shariah principles.• Create credit proposals (annual, interim, and new-to-bank cases) for clients, incorporating preliminary and financial analyses, ratio analyses, and integrated analyses.• Enhance revenue by optimizing the utilization of financial facilities and cross-selling banking and treasury products.• Ensure compliance with State Bank regulations and the Bank's credit policy.• Coordinate with internal departments such as Treasury, Credit Administration, Trade, PDSC, RMG and Legal to ensure smooth portfolio operations and comprehensive documentation of customer transactions.

Multan, Punjab, Pakistan

Multan, Punjab, Pakistan

• During my six-week internship, I developed. skills in income tax return preparation, assisted with tax audits, and learned strategies for maximizing tax revenue. I also gained knowledge of various types of taxes, including withholding tax and sales tax, and had the opportunity to work in areas such as tax enforcement.

Lahore, Punjab, Pakistan

• Recorded and managed routine transactions using ERP oracle, ensuring accurate financial documentation and compliance with accounting standards.• Analyzed costing at different phases of manufacturing electronics items, including raw material procurement, production, assembly, and distribution to ensure cost efficiency and profitability.• Handled tax compliance tasks, maintaining adherence to regulations and optimizing tax-related processes.

Bachelor Of Science - Bs, Accounting And Finance

CGPA: 3.7/4

Intermediate, Pre-Engineering, A

Matric, Science