Message

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

Security Documents Retention
Banking Operations
Customer Relationship Management

Professional Experience

Jan 2019
Present
OFFICER CAD
BankIslami Pakistan Limited Islamabad, PK
  • Managing of documentation check list to determine the documents, securities etc. required to be obtained from the customer. 

  • Preparation of financing & security documents, Scrutinizing the FAL, Finance & Security documents and other documents received from customer and advise discrepancies (if any) to Business Unit for rectification. 

  • Registration of charge with SECP, registration of mortgage deed in Bank's favor, marking of Bank's lien on the collateral Finalization of Disbursement Authorization Certificate (DAC) and issue a DAC. 

  • Logging the documents/collateral Safe-in-safe-out registers and place the same in Vault,  Issuance of NOC's for up-gradation/removal of charge in SECP record, redemption/revocation & lien removal in respective offices (in case of release of property) .

  • Corporate & SME portfolio Management i.e. Letter of Guarantees, LC, Diminshing Musharakah, Murabahha, Istisna, & Salam. Documentation, Reviews & and fulfill the requirements as per approval/security, Preparation/Review of Pre-Disbursement Documentation and issue Facility Advising Letter to the Customer. After completion and perfection of charge & security document issue a Disbursement Authorization Certificate (DAC). Maintain stock report and issue Delivery orders for stock upon request of Business Unit. 

  • Consumer Portfolio Management  ,  Consumer Auto ijarah & Consumer House loan. Documentation review & System entries of Diminishing Musharka (DM) against Vehicle & House . Handling Staff loans ( Staff Auto loan, Staff House loan).

  • 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 2018
Feb 2019
Manager Operations
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 banks internal policies & procedures and the SBP regulations also ensure timely and accurate reporting. 
Feb 2017
Jan 2018
General Banking Officer
MCB Bank Limited Rawalpindi District, 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 Pakistan Limited 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. 
  •  Processing cash deposits, payments and handling transactions of a large amount  of Pak Rupees & Foreign Currencies .

Aug 2011
Apr 2014
Accounts Officer
D.K ENGINEERING COMPANY Islamabad, PK
  •   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 2011
MBA (Finance & Accounting) in Preston University
Apr 2007
Jun 2022
Graduation ( Economics & Journalism) in The University of the Punjab
Mar 2005
May 2007
Intermediate in 502 Model College
Feb 2003
Apr 2005
Matriculation in Fauji Foundtion College

Certifications

2014
Islamic Banking
Al Baraka Bank
2016
AML & CFT
Al Baraka Bank
2019
Islamic Banking
BankIslami Pak Ltd
2017
Internal Control Procedure for Cheque Payments
IBP under SBP Prgrame
2018
Revised KYC & FFT
MCB Bank Ltd
2008
Quantity Surveyor
ATIN -National Logistics Cell
2008
Advance IT
The Rising College

Languages

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

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