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MUHAMMAD ASIM ISMAIL

 To obtain a position in a supportive environment where I can help the organization grows in value utilizing my experience, capabilities and abilities.

Key Skills

Customer Relationship Management
Cash Management
Banking and Accounting
Sales Management
Customer Retention Management
Reporting & Communication
Security Documents Custodian
Accounting & Bookkeeping

Professional Experience

Oct 2021
Present
CAD OFFICER - Mortgages
BankIslami Pak Ltd Islamabad, PK
 
•To assist in implementation of credit administration structure and procedure within the bank through continuous interaction with the  various divisions / departments / units / branches on an ongoing basis. 
•To assist in development of standard House Finance documentation, Musharakah Agreements and to ensure its shariah & legaleffectiveness & enforceability. In addition, ensure compliance of Bank’s and regulator’s credit policies in term of disbursement of finance facilities. 
•Ensure perfection of security/support documents and adherence to covenants/conditions of the credit approvals. 
•To assist Manager Credit Administration for arranging legal opinions, security perfection, arranging mortgages and redemptions, and completion of all pre and post disbursement formalities. 
•Supervise that the credit sanctions are as per the discretionary powers allocated to various credit committee and in accordance with Bank’s and regulator policies. 
•Generate and review the MIS reports and alerts for follow ups with concerned business units for effective decision making. 
•To assist in handling all issues related to internal/external/SBP audit regarding credit administration issues and ensure that all required system support is in place as per best market practice for smooth operation. 
•Any additional tasks assigned by the management relevant to Credit Administration. 
Jan 2019
Oct 2021
Customer Services Executive
BankIslami Pakistan Limited Islamabad, PK
• Supervised all banking operations.
• Processing of Account opening. 
• Smooth Operations of Customer Lockers.  
•Processing of Inward / Outward & Intercity Clearing.
• Processing of Foreign Remittance of different companies.
• Scrutinize daily transaction vouchers and ensure their rectification
•Enforces dual control procedures at all times.
•Ensured Compliance with banking regulations.
• Maintaining of all service quality standards of branch and their files. 
• Handling and Custodianship of Customer Cheque Book and ATM Balancing.
• Handling of Payment Instruments related functions i.e. Pay order ,DD,FDD,ICDR etc.
• Custodianship of Security stationary  and stock balancing of security stationary at month end .
• Other assignment assign by Line Manager. 
Jan 2018
Feb 2019
Operation Manager
Apna Microfinance Bank Limited Islamabad, PK
 
•Supervised all banking operations. 
•Enforces dual control procedures at all times. 
•Ensured Compliance with banking regulations. 
•Maintained ongoing relationships with existing clients 
•Maintains and tests alarms and other security devices. 
•Balances and troubleshoots ATM/debit card concerns. 
• Maintaining of all service quality standards of branch and their files. 
•Ensures the branch and vaults are opened and closed on a timely basis. 
•Performs Pre-Audits to ensure ongoing adherence with compliance procedures. 
•Ensures excellent customer service skills are practiced by all the staff members. 
•Ensure that branch reconciliation, suspense and other asset accounts are closely            monitored and liquidated immediately. 
•Process, monitors and supervises all operation activities like cash handling process, clearing, remittances, online, local collection, WHT, reconciliation of inter-branch and account with correspondence banks and other branch banking operations in adherence to bank’s internal policies & procedures and the SBP regulations also ensure timely and accurate reporting. 
 
 
Feb 2017
Jan 2018
General Banking Officer
MCB Bank Ltd Rawalpindi, PK
 
• Processing of Account opening. 
• Smooth Operations of Customer Lockers.  
• Processing of Inward / Outward & Intercity Clearing. 
• Processing of Foreign Remittance of different companies. 
• Scrutinize daily transaction vouchers and ensure their rectification 
• Maintaining of all service quality standards of branch and their files. 
• Handling and Custodianship of Customer Cheque Book and ATM Balancing.
• Handling of Payment Instruments related functions i.e. Pay order ,DD,FDD,ICDR etc.
• Custodianship of Security stationary  and stock balancing of security stationary at month end . 
• Other assignment assign by Line Manager 
Nov 2014
Feb 2017
Business Services Officer
Al Baraka Bank Pak Ltd Rawalpindi, PK
 
• Processing of Account opening.
• Smooth Replenishment of ATM. 
• Accepting utility bill payments. 
• Smooth Operations of Customer Lockers. 
• Processing of Inward /Outward & Intercity Clearing. 
• Processing of Foreign Remittance of different companies. 
• Scrutinize daily transaction vouchers and ensure their rectification. 
• Handling and Custodianship of Customer Cheque Books ATM Cards.
• Prepare monthly Reports and other assignment assign by Line Manager.
 • Handling of Payment Instruments related functions i.e. Pay order, DD, FDD, ICDR etc. 
• Custodianship of Security stationary and stock balancing of security stationary at month end. 
• Processing cash deposits, payments and handling transactions of a large amount of PKR & FC.
 • Worked as an OFFICATING MANAGER OPERATION (20-07-2016 to 28-02-2017). 
Aug 2011
Apr 2014
Accounts Officer
D.K Engineering Company Islamabad, PK
Deals in Heavy Machinery & Equipment's
 
 • Assist in Payroll Administration, Budgets and Forecasts. 
 • Performed general office duties and administrative tasks.
 • Review, Monitored, process and recorded company expenses.
 • Compile & record the revenue statement and reconcile the balance.
 • Prepare Bank reconciliation statement and necessary correspond with the bank.
 • Managed Accounts Payable & Receivable of the Company and making Vendor Payments. 
 

Education

Jul 2009
Oct 2021
MBA (Finance & Accounting) in Preston University
Preston University
Apr 2007
Aug 2009
Graduation in University of the Punjab
University of the Punjab
Apr 2005
May 2007
Intermediate in 502 Model College
Federal Board - Islamabad
Apr 2003
May 2005
Matriculation in Fauji Foundation School & College
Federal Board - Islamabad

Certifications

Certified CSO Diploma
BANKISLAMI PAK LTD
INTERNAL CONTROL PROCEDURE FOR CHEQUE PAYMENTS
State Bank of Pak
PHARMA MARKETING & SELLING TRAINING
USAID & ASK Development
Training on AUTO-I-BANKER Software
AL Baraka Bank Pak Ltd
Training on I-Mall Software
BANKISLAMI PAK LTD
Training on Revised KYC, AML & CFT.
MCB Bank Ltd
Training on KYC, AML & CFT.
Al Baraka Bank
Training on ISLAMIC BANKING.
BANKISLAMI PAK LTD
Advance IT
The Rising College
Quantity Surveyor
National Logistics Cell

Achievements

TOP PERFORMER NORTH in HOME REMITTANCES
Top Performer Pan Pakistan North Region in Home Remittances in year 2021

Languages

Urdu
(Fluent)
Punjabi
(Native)
English
(Fluent)

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