Mohammad Asadullah Email & Phone Number

Head Office, Dubai, Uae

Dubai

My Key Responsibility Area is controlling Credit risk through Credit Review Mechanism which includes following aspects of credit review:  Adherence to Internal policies and procedures and to monitor compliance with relevant laws and regulations Compliance with credit covenants Thorough review of credit documentation to ensure their sufficiency and enforceability. Accuracy and timeliness of credit ratings assigned by loan officers and recommendations for change in credit rating in line with performance of the loan/ advances, Evaluating portfolio quality Evaluating effectiveness of Credit Administration, maintaining the integrity of credit grading process, assessing portfolio quality etc. Isolate potential problem areas and give recommendations for improving portfolio quality,  Identify loans which develop credit weaknesses and initiate timely corrective action to bring about improvement in credit administration. Detect any revenue leakage (Interest and fee based) and ensuring its recovery through regular follow up. Ensure rectification of all the deficiencies pointed out during the course of QA review through regular follow up and reporting unresolved items to top management.

Dubai, Uae

I worked with Emirates NBD as Manager, Group Credit Quality Assurance in the Group Credit Department at its Head Office in Dubai w.e.f. 7th August 2006 till 31st March 2012. My responsibilities, inter alia, included conducting Quality Assurance review of various units/ departments of the group which includes Corporate Banking Units in UAE and KSA, Islamic Banking wing of the bank dealing with Islamic Products (Al Watani Al Islami), International Banking Syndication, Financial Institutions Department, Factoring Unit, Trust Account Department, Trade Finance Department, Liability Management Unit, Cash management System and Emirates International Services (Share Brokerage Unit).Quality Assurance Reviews of Corporate Credit (managed by the Corporate Banking and Other Business Units) is done with a view to ensure that the units adhere to laid down policies and procedures of the bank, approval terms of credit are adhered to, documentation is in order and proper controls are in place so that the credit risk is controlled/mitigated to a great extent.Documentation review also includes review of Account Opening Documents (AOD) especially from AML perspective and to ensure that Compliance approval, wherever required, has been obtained. Special attention is paid to the scrutiny of AOD of Off - Shore companies, LLC and partnership accounts and review of MOA of the companies to ensure the authority in respect of opening, operating and closing bank accounts and obtaining credit facilities.During the course of Quality Assurance Review it is also our responsibility to coach, guide and develop the credit admin staff and staff of other banking units.

 Review and approval of facilities for Corporate/SME Customers of the bank within the delegated authority Review and recommendation of credit proposals outside delegated authority, up to Board level. Ensuring compliance with internal credit policies and regulatory requirements Ensuring the healthy growth/maintenance of the bank's credit portfolio by managing industry related risks, capital adequacy requirements and Risk/Reward ratio,  Ascertaining proper control on credit portfolio quality and creating credit rating of high risk accounts on monthly basis to ensure minimal internal audit objections and low default rate on loans/advances. Building and maintaining healthy business relations with corporate clients, ensuring high customer satisfaction through handling grievances calls, single window banking and by resolving corporate customer queries. Formulating operating budgets to ensure optimum utilization of available funds as well as maintaining the branch operational expenses for accomplishing the overall corporate goals. Monitoring customers’ portfolio performance & rendering sustained advisory services for securing high Return on Investment.

 selection and assessment of the borrowers, appraisal/approval of applications for credit facilities and lending transactions, Review and approval of credit facilities for Corporate Customers of the bank within the delegated authority, Ensuring the healthy growth/maintenance of the bank's credit portfolio by managing industry related risks, capital adequacy requirements and Risk/Reward ratio. Besides the monitoring of advances, I have also been responsible for assessing/analyzing various risks associated with the credit facilities, identifying the risk mitigating factors and communicating the same to the controlling office/ approving authority, Ascertaining proper control on credit portfolio quality so as to ensure minimal internal audit objections and least default rate on loans. Post-sanction follow-up of advances with a view to ensure that there is no slippage of standard assets to non performing assets.  Encouraging sales of bank products such as Bridge finance, Overdraft / Working Capital Term Loans, Pre and post shipment finance. Building and maintaining healthy business relations with SME / Corporate clients and ensuring high customer satisfaction through handling grievance calls, single window banking and by promptly answering/resolving queries of Retail/ Corporate / SME customer with a high degree of customer satisfaction level.

Amu, Aligarh, Up, India

Main Assignments – Credit Manger, Branch Head and Business Development

Mathura Area, India

As Operations Manager my responsibilities included -- Focus on the customer service by monitoring and ensuring high level of customer satisfaction through effective and efficient resolution of customer problems/ complaints, if any, with clear and effective communication with the customer and strive for achieving the goal of customer delight, a level above the customer satisfaction. Overseeing functions of tellers and head teller and endeavoring for continuous improvement in procedures and customer service. Cash Management – Procurement and disposal of cash, assessing peak, non peak and routine requirement of cash and procurement of required cash and disposal of surplus cash to Currency Chest/ cash Management unit. Ensure to retain optimum level of cash vis a vis the cash holding limits of the branch and dispose off the surplus cash to Currency Chest/ cash Management unit. Clearing Operations – ensure timely submission of clearing cheques (images) within the given deadlines and ensure that the procedural guidelines are followed by the concerned staff. Ensure that the cheques/ DDs/ POs are collected through clearing as per the apparent tenor of the cheque and no post dated, stale or cheques with material alterations are presented in clearing.  Account Opening – scrutinize the Account Opening Documents before approving the same and ensuring that all the required documents have been submitted along and ensure AML compliance through KYC. Reporting any suspicious transaction to Compliance unit of the bank. To ensure that no document is returned by the ARC on account of branch issues/ mistakes and no adverse comments are made by the Internal Audit/ Quality Assurance. Scrutinizing ‘End of Day’ reports and ensuring that all the charges prescribed by the bank are collected and there is no revenue leakage. Ensuring that Operational Risks guidelines are followed in respect of all the above activities and OR is mitigated to the best level possible.

Ghaziabad, India

Data entry, credit documentation, follow up for recovery of loans /advances, deposit mobilization, doing/ overseeing day to day banking transactions including cash management.

Advance Diploma Of Proficiency In International Factoring, Factoring

Diploma Of Proficiency In Fci International Factoring, Factoring

Post-Graduate Diploma In Personnel Management (Pgdpm), Business Administration And Management, General, First

Certified Associate Of The Indian Institute Of Bankers -Ca (Iib), Banking Law,Economics, Accounts, Management Accounting, Commercial Law And Foreign Exchange, A

Master Of Science (M.Sc.), Botany, A

1st, Position: 1st, Gold Medalist

Bachelor Of Science (B.Sc.), Life Science, A