Asif Ali

Experience

• 

  MCB Bank Limited

  Jan 2005 - Apr 2008

  Manager Credits (OG: II)Organization: MCB Bank Limited, Marriot Road Branch ( One of the Corporate Branch) (October 2006 – April 2008)ResponsibilitiesManaged Credit Portfolio of more than Rs.2.50 Billion of MCB Bank Limited Marriot Road Branch (One of The Corporate Branch). The portfolio covering funded & none funded (i.e. RF, FATR, Term Finance/Loans, FIM, FAPC, FE25 (Dollar/Euro) FDBP (factoring), LDBP, LCs, LGs etc).• Manager Credits of Corporate/SME portfolio at MCB Marriot Road Branch. • Preparation of credit proposals with due focus on projected turnover, cash flows, balance sheet and ratio analysis over tenor of financing to determine feasibility and customer’s ability to make timely repayments; and risk mitigates in terms of business, operational, management and environmental factors.• Responsible to ensure perfection of security structure through stock checks, factory visits, charge ranking, adherence to approvals and possession of assets etc.• Completion of all credit / security documentation. • Making necessary recommendations on credit proposals for competent authority/management approval.• Ensuring optimal utilization of existing credit lines of clientele and improvement in their spreads.• Solicitation of sustainable corporate relationships with focus on profit making, revenue generation.Branch Banking Officer (Grader: OG III)Organization: MCB Bank Limited, April 2005 – September 2006 Responsibilities• Worked in General Banking (i.e. Clearing Department, Accounts Opening, Remittances, and Key Punching Office (KPO) etc) Show less

  • OG-II (Credit Manager)

    Apr 2005 - Apr 2008

  • Credit Officer

    Jan 2005 - Jan 2008
• 

  Bank AL Habib Limited

  Apr 2008 - now

  Credit Analyst (Grade: Senior Chief Manager)Organization: Bank AL Habib Limited, Head Office KarachiResponsibilitiesA) Credit Risk Analyst• Responsible for Credit & Risk assessment of loan proposals of new and existing clients including corporate / commercial & SME with emphasis on customer’s management, industry, regulatory and economic analysis. • Making necessary recommendations on credit proposals for competent authority/management approval.• Helping Branches to prepare feasible credit transaction structure by assessing credit and other risks attached thereto.• Monitoring of assigned portfolio to ensure SBP Prudential Regulations compliance, adherence to Bank’s Credit Policies and Procedures.• Analysis of financial health and growth potential through financial statements analysis. • Ensuring optimal utilization of existing credit lines of clientele and improvement in their spreads.• Evaluation of credit proposals with due focus on projected turnover, cash flows, balance sheet and ratio analysis over tenor of financing to determine feasibility and customer’s ability to make timely repayments; and risk mitigates in terms of business, operational, management and environmental factors.• Restructuring\Rescheduling of Credit lines• Assessment of credit requests including Excess Over limits, NOCs, Exceptions/ Waivers, Temporary Accommodations etc.• Co-ordinate with internal departments for rectification of credit related irregularities.B) Credit Risk Analyst of Offshore Banking Unit - Malaysia & Bahrain. C) Monitoring Show less

  • Assistant General Manager - AGM (Credit Risk Analyst)

    Jan 2021 - now

  • Credit Analyst (Senior Chief Manager)

    Jan 2018 - Dec 2020

  • Credit Risk Analyst (Chief Manager)

    Jan 2016 - Dec 2017

  • Credit Risk (Senior Manager)

    Jan 2013 - Dec 2015

  • Credit (Manager)

    Jan 2010 - Dec 2012

  • Credit (Assistant Manager)

    Apr 2008 - Dec 2009