Muhammad Sa'ad KHATIB

Experience

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  Deutsche Bank

  Jan 2008 - Nov 2010

  Trade Analyst

  This position comprising of following activities within the parameters of Bank's Trade Policy and Rules /Guidelines framed by SBP from time to time. Processing and administration of all types of trade finance products including LCs, collections and guarantees, in accordance with organizational policies, the Uniform Customs and Practices for Documentary Credits (UCP) guidelines and Import and Export restrictions. Import settlements sight/maturities by negotiating rates with Treasury. Managing day-to-day back office Trade Finance related operations originated by the Treasury. Working closely with the Treasury and with the trade processing platform provider, ensures optimal customer service and providing active support to Treasury. Show less

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  Meezan Bank Ltd

  Jan 2011 - Aug 2013

  Senior Officer

  Issue, examine, and execute letters of credit, in accordance with established policies and procedures, appropriate uniform rules and regulatory guidelines. Trade related activities keeping in view to stream line the transactions / activities in accordance with Shariah based compliance, rules and regulations framed by SBP and Banking SOPs. Monitoring Trade portfolio of Clients ensuring that no limits should remain excess, expired etc. Advising Customers and Account officers on requirements, and issues of letters of credit, collections. Keeping close coordination with RM's in order to closely monitor overall assigned portfolio of Trade Finance Products. Keeping in view Shariah based compliance rules and regulations framed by SBP & Banking SOP's. Negotiation/Discounting of documents, Handling of Documentary Collections. Retirement of documents, Shipping Guarantees, Handling documents under acceptance. Scrutinizing of Import Documents and executing discrepancies. Co-ordinate with customers, account representatives, attorneys and others as necessary to gain an understanding of clients' Business needs and analysis information to assist in determining appropriate strategy. Marketing of Trade related Products to the clients, to book the business and to enhance the credit portfolio, business and profitability of the branch. Show less

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  Dubai Islamic Bank Pakistan

  Sept 2014 - May 2018

  Credit Analyst

  Manage the overall credit quality of the Asset book within acceptable limits.Obtain Audited Financial statements analyse and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.

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  HBL - Habib Bank Limited

  Jun 2018 - Dec 2020

  Relationship Manager

  Joined as Relationship Manager in HBL’s Retail Lending - Credit Hub where I was responsible for bringing in new business for the bank by offering lending facilities to Small & Medium Enterprises as for their working capital requirements.Highlights: Handling existing ME and SE customer portfolio of the Credit Hub.Business development, visiting customers and liaising with Credit Risk, CAD and Trade department.Preparing Credit Proposals and performing credit analysis getting the credit cases approved by bank’s competent authority and disbursement of sanctioned limits. Show less

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  HABIBMETRO

  Jan 2021 - Dec 2022

  Relationship Manager Asset

  Islamic Banking DivisionIslamic Corporate Banking – (HMB SIRAT)Responsibilities: Analyze and prepare Credit Proposals by adhering to financial risk profile, repayment capability, security adequacy and industry position; also to undertake external environment analysis to understand its impact on credit portfolio. Prepare / initiate credit approval notes for clients and ensure that credit applications including renewals are correctly prepared in accordance with the Bank’s policies and regulatory framework. Ensure that all documentation required for a Credit application is complete and work with the Credit Quality Manager to ensure that there is no security shortfall. Ensure execution of disbursements to the customers as per approved financing lines and ensuring Sharia’h Compliance along with the set of policies and procedures. Ensure that the credit facilities have been properly structured and are in no way in violation of internal or external regulations / Bank Policies. Ensuring compliance with all the relevant regularity authorities i.e. SBP and SECP.Develop, enhance and maintain relationships with existing and new clients to ensure revenue, profit targets are met / exceeded. Continuously monitor and assess financial health and credit quality of the customers / industries within the portfolio to proactively manage the potential risks involved in future transactions. Maintain front line relationship with clients for day to day correspondences. Liaison with CAD for preparation of facility agreements / documents as and when needed and ensuring that all the security documents from the customers are in order and as per financing policy of the Bank. Coordination with Credit Hub for disbursement / outstanding observations and day to day activities. Show less

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  Unity Foods Limited

  Jun 2023 - Nov 2023

  Manager Treasury Financing Relationships

  Monitor the organization's cash flow to ensure sufficient funds are available to meet financial obligations.Maintain banking relationships and manage day-to-day cash operations, including disbursements and receipts.Manage relationships with banks and financial institutions, negotiating favorable terms, fees, and services. Stay informed about changes in banking services and technologies to improve efficiency. Anticipate and plan for short-term and long-term liquidity requirements.Playing a pivotal role in an organization's financial stability and growth by effectively managing its financial resources and mitigating risks. Show less

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  Habib Oil Mills

  Jan 2024 - Nov 2024

  Manager Treasury

  Worked at one of Pakistan’s largest FMCG companies, known for its premium brands in vegetable oils and fats. Managing the company's bank accounts, ensuring that they are consistent with the company's financial needs.Follow up on available credit facilities, such as loans, line of credit, letters of guarantee, and documentary credits.Preparing and monitoring daily Treasury functions and activities related to payment operations, collections and reconciliations of the company accounts.Set up a new Letter of Credit (LC) and Letter of Guarantees (LG).Prepare and develope related Standard Office Procedures (SOP), handbook, guidelines.Prepare, execute, and manage all trade financial instruments (LC, Stand-by LC, Bid Bond, Performance Bonds etc.)Prepare LC application for bank submission for IMPORT LC.Reporting Cash Position of the company to ensure optimum usage and effective management of working capital.Lead daily cash operations, disbursements and settlements related to funded and non funded facilities. Strengthened banking relationships, negotiating terms that reduced transaction fees. Monitoring receivables to ensure that credit limits are not exceeded. Supervising Bank Reconciliations / Statements on daily and monthly basis.Managing banks execution of LCs, negotiating exchange rates and payments / settlements.Maintaining strong relationships with banks for securing competitive terms for financial transactions. Show less