Muhammad Ashfaq Naseeb, CIPA,CSAA,JAIBP,ACSS,NIBAF,MBA,MS IBF-IBA

Experience

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  Al Baraka Bank (Pakistan) Limited

  May 2008 - Apr 2012

  Assistant Manager CAD

  • Ensuring compliance of Credit Line Proposal (CLP) requirements of approved facilities including preparation and updation of check lists up-to the issuance of Disbursement Authorisation Certificate (DAC).• Responsible for making Sharia approved Financing Documents & SECP - Charge documents. • Responsible for Monitoring Murabaha & Ijarah Transactions. • Responsible for monitoring Murabaha transactional documents (Local Purchase Order & others) in Sharia perspective & Guidelines. • Pledge / hypo Inspection of subject goods.• Interaction with outsourced service providers for Searches, Valuation, and Inspection.• Coordinate with Lawyers/legal function in obtaining legal opinion as and when required to ensure the authenticity of the borrowing party collateral.• Ensure safekeeping of all the documents related to the approved finance submitted by the borrower in the vault after recording of the particulars in the respective vault register. • Enlistment of muccadums, valuators, stock inspectors & clearing agents after obtaining approval from the competent authority of the bank.• E-CIB reporting & and retrievals of ECIBs from ECIB database.• Build, arrange and manage database of the entire credit portfolio.• Preparing of exception reports, etc for submission to RMs and senior management.• Security key holder of the Vault Keys.• Holder of Power of Attorney duly accepted amongst financial Institutions / Banks. Show less

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  Burj Bank Limited

  Apr 2012 - Sept 2014

  Manager Documentation FIAD

  • Preparation of Facility Advising Letters as per approved terms.• Preparation of checklist as per approval terms and conditions.• Preparation and scrutiny of Charge documentation pertaining to Corporate, SME and Retail Financing.• Identification of exceptions relating to legal & security documentations before disbursement and follow up with Relationship Managers for its rectification.• Processing of Transaction Approval Sheet for day to day transaction.• Liaison with internal clients like CBG, FIRD FOD, Shariah, Legal etc; for smooth transactions and documentation.• Limit control and monitoring on Pan-Pakistan basis.• Monitoring of collateral, verification of facility and security details in system.• Review and assignment of collateral to the respective facilities in system.• Maintenance of Pledge / Stock Record including computation of Drawing Power & issuance of Delivery Order (DO).• Preparation of various MIS pertaining Financing portfolio .• Handling of different types of quires from branches and business groups.• Processing of requests for issuance of NOCs to other banks.• Correspondence with different outsource agencies like valuators, Muccadams, insurance companies on different issues.• Review corporate and retail Portfolio on quarterly basis.• Constantly monitor activities after the disbursement of the loan, to ensure that adequate security margins are maintained till the loan is recovered, and refer to immediate supervisor in case security margins fall short of the desired level, so that necessary action can be taken.• Joint Custodian of Vault.• Coordinate with Internal, External and SBP Audit teams for audit of security files of the customers. Show less

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  Sindh Bank Limited

  Oct 2014 - Jan 2021

  MANAGER CAD & ADDITIONALLY WORKING AS A PART OF CREDIT TEAM WITH THE FOLLOWING RESPONSIBILITIES

   Preparing Financing Proposal for seeking approval, renewal and review of financing facilities to Corporate and SME clients in line with the approved policies of the Bank. Routing Inter Office Memos (IOMs) for seeking approval, amendments, deferrals, exceptions for carrying out smooth day to day financing operations. Manage customer credit files Evaluates financing applications and documentation by confirming credit worthiness Improve financing applications and documentation by informing applicant of additional requirements Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, periodical client visits call reports. Spread and analyze financial statements, preparation of credit application, documentation pan Pakistan. Perfection of Securities as per Credit Approval. Perfection of Charge and Security documentation Adherence with the approved Shariah process flow for all type of Islamic Mode of Financing Develop the Credit Administration Standard Operating procedural manual (SOP). Issuance of Disbursement Authorization Certificate (DAC), after completion of charge documentation and security perfection as per credit approval.  Limits Monitoring through core banking system. Liaison with Business Group in respect of completion of documentation. Managing Missing documents MIS (Exception Report) and CAD related monitoring reports. Identification of exceptions relating to legal & security documentations before disbursement and follow up with Relationship Managers for its rectification. Processing of Transaction Approval Sheet for day to day transaction. Preparation of various MIS pertaining Financing portfolio  Joint Custodian of Vault. Show less

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  Soneri Bank Limited

  Jan 2021 - Jan 2022

  Unit Head CAD Operations
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  The Bank Of Khyber (BOK)

  Jan 2022 - now

  Regional Head CAD