Muhammad Aslam

Experience

• 

  Mybank Limited

  Apr 2005 - May 2008

  AGRI CREDIT OFFICER

  • To analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.• To prepare reports that include the degree of risk involved in extending credit or lending money.• To evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.• To confer with credit association and other business representatives to exchange credit information.• To complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.• To generate financial ratios, using computer programs, to evaluate customers' financial status.• To review individual or commercial customer files to identify and select delinquent accounts for collection.• To compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.• To consult with customers to resolve complaints and verify financial and credit transactions.• To analyze financial data such as income growth, quality of management and market share to determine expected profitability of loans.• Site visits/Spot verification.• To check and verify of customer’s revenue record in the concerned revenue department.• To prepare a sound credit proposal from initiation to Approval and Post disbursement follow up.• To arrange meetings with farmers at union council level to produce awareness, to sale out different loan packages, plan, products, and services offered by the bank.• To maintain strong interaction and coordination with revenue officers.• To prepare weekly and monthly statements.• State Bank reporting, liaison and compliance. Show less

• 

  Soneri Bank Limited

  Jun 2008 - Mar 2018

  AGRI CREDIT OFFICER

  • To analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.• To prepare reports that include the degree of risk involved in extending credit or lending money.• To evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.• To confer with credit association and other business representatives to exchange credit information.• To complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.• To generate financial ratios, using computer programs, to evaluate customers' financial status.• To review individual or commercial customer files to identify and select delinquent accounts for collection.• To compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.• To consult with customers to resolve complaints and verify financial and credit transactions.• To analyze financial data such as income growth, quality of management and market share to determine expected profitability of loans.• Site visits/Spot verification.• To check and verify of customer’s revenue record in the concerned revenue department.• To prepare a sound credit proposal from initiation to Approval and Post disbursement follow up.• To arrange meetings with farmers at union council level to produce awareness, to sale out different loan packages, plan, products, and services offered by the bank.• To maintain strong interaction and coordination with revenue officers.• To prepare weekly and monthly statements.• State Bank reporting, liaison and compliance. Show less

• 

  P&D Deptt.

  Apr 2018 - Apr 2021

  Deputy Director (Monitoring)

  • To review and evaluate Public Private Partnership (PPP) project proposals to demonstrate project viability.• To assess social and economic development impact, financial attractiveness, risks/uncertainties involved, and readiness for implementation of PPP projects.• To prepare and analyze financial models.• To evaluate the contingent liabilities for the Government and requirements for annuity payments.• To evaluate Government’s explicit and implicit fiscal obligations and risks as per feasibility study.• To evaluate risks and propose risk mitigation measures.• To prepare working papers, project briefs, and minutes of meeting for PPP project proposals.• To make recommendations for PPP project proposals to the competent authority (ies) for appropriate decisions.• To monitor transaction execution from prequalification, bidding, selection of private party till signing of concession agreement.• To develop and conduct appropriate monitoring procedure and monitor Public Private Partnership (PPP) projects on regular basis.• To develop and maintain monitoring schedule for PPP projects.• To prepare post award projects status reports.• To prepare ToRs for third parties evaluation.• To undertake field visits to ensure compliance of PPP projects and assess progress.• To maintain close liaison with relevant stakeholders. • To prepare progress reports, and assist in execution of annual work plans.• To evaluate proposed physical implementation for efficient project execution. Show less

• 

  NFS&R

  Apr 2021 - now

  Deputy General Manager Operations

  • To plan and arrange the funds for various activities of the Corporation from the Commercial Banks with the authority of the Finance Division.• To remit the funds for field offices for purchase of various commodities and for payment of incidental expenditure.• To receive monthly purchase, expenses, sales and services accounts from the Field Offices.• To disburse the salaries and other fringe benefits/emoluments to the employees of the Corporation.• To coordinate with Finance Division, State Bank of Pakistan, Commercial Banks and MoNFS&R for requirement of funds for borrowings/CC Limits.• To keep the Management apprised about the financial position of the Corporation on monthly/quarterly basis.• To make payments and keep record for purchases of goods and services at Head Office.• To check bank payments for wheat, paddy and pulses with filed returns and to point out discrepancies.• To prepare bank reconciliation, check mark up computations on monthly intervals and to regulate cash credit utilization with various banks according to the sanctioned limits.• To assistant Competent Authority in coordinating and making strong liaison with national and international agencies, departments for maintaining strategic grain reserves for Pak Army, Air Force, SAARC countries, United Nation World Food Program, and grain-deficit provinces to ensure overall food security in the country.• To handle wheat, pulses, paddy, sunflower and any other agricultural commodities including perishable commodities procurement operations and its further disposal.• To exercise control through visits and surprise checks over the procurement and other field operations.• To suggest programs/projects to the competent authority that may result improvements in overall functioning of the Corporation.• To maintain a strong liaison with field staff for effective and efficient delivery of procurement process. Show less