Syed Asif Ali CV PAK16

SYED ASIF ALI, MA-DAIBP CELL NO: +92301-828-5040
H.No. 1002, PIB Colony, e-mail: s.asifali58@gmail.com
Karachi-Pakistan - (74800) CNIC - 42201-0270300-1
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PROFESSIONAL EXPERIENCE:
ADVISER:
February 2015 – Till Date M/s. B & B Securities (Pvt) Limited -Trading Right
Entitlement Certificate (TREC) No-155, Karachi Stock
Exchange; company is primarily engaged in trading and
brokerage of listed securities.
Position Summary:
This position is primarily responsible for ensuring
business and financial diligence, market tracking,
lender/ investor dialogue and new business
development. Keep up to date with industry and
economic indicators.
Note: From March-2014 till January 2015,
I was out of country and in Edmonton (Alberta) -
CANADA.
ASSISTANT VICE PRESIDENT & MANAGER KARACHI STOCK EXCHANGE BRANCH:
AT SONERI BANK KARACHI STOCK EXCHANGE BRANCH KARACHI (PAKISTAN)
Serving Period: 2009 (August) – Position Summary:
28th, October 2013
This position was primarily responsible for ensuring
smooth functioning of the branch with a view to
achieve multi-dimensional growth targets within a
defined time frame and budget. Acted as a direct link
with customers, ensure efficient operation and focused
on increasing advances, deposits base, and profits as
per defined targets. Also had management
responsibilities for the branch employees.
Principal Accountabilities:
•Managed the entire operation of the branch in
compliance with policies and procedures to ensure
efficient customer service.
•Implemented strategies for fuel growth in branch’s
deposit base and credit portfolio and other business
targets.

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•Ensured profitability and growth of the branch by
increasing the customer base and minimizing
operational efficiency.
•Educated, developed, and established strong
relationships with customers in order to market and
promote banks products to increase revenues of the
branch.
•Cross-sold consumer assets products. Coordinated
with consumer assets department to process the
application and loan formalities.
•Advanced authorization post verification of credit to
ensure no bad debts at a later stage. Approved and
extended credit facility as per limits defined.
•Carried out budgeting and forecasting for the branch.
•Reviewed financial reports and general ledgers daily
to ensure compliance to guidelines regarding
transactions.
•Facilitated internal audit and ensured compliance
with the prudential and regulatory standard for
adherence to internal and external policies.
•Facilitated FIA; FBR in case of any quires, after taking
the Legal Department, Fraud and Forgery Department,
and Head of Operations into loop.
•Facilitated lawyers in case any suit filing initiated by
the bank in case of defaulter customer; also attended
courts in this regard to ensure an early disposal of
recovery suit.
•Coordinated with IT department in case of system
breakdown and for system upkeep and maintenance.
•Coordinated with main branch regarding various
ongoing processes and projects. Also interacted with
clients, seniors, and other officers through written
documents on behalf of the branch.
•Handled cash complaints with Cash department to
ensure availability of cash on counters at all times.

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•Ensured that customer queries and complaints are
resolved in a reasonable time depending upon the
nature of complaint.
•Resolved escalated queries and problems thus
ensuring customer delight at all times.
•Ensured the up keep of branch premises to required
standards and security of the branch. Also made
surprise visits in the afterhours and holidays.
•Ensured that the ambience of the branch reflects the
brand image and culture that the bank wants to
project.
•Educated, developed, and established strong
relationships with customer in order to market and
promote bank products to increase revenues of the
branch.
•Identified training and development needs of team
members and ensured ongoing capability
development.
•Evaluated performance of team members and gave
feedback on an ongoing basis. Coached team members
and ensured they are motivated to perform effectively.
ASSISTANT VICE PRESIDENT & MANAGER CREDIT:
AT SONERI BANK MAIN BRANCH KARACHI (PAKISTAN)
2007-2009 Position Summary:
This position was primarily responsible for ensuring
smooth functioning of the Credit Department in the
Main Branch with a view to achieve advances growth
as per the define targets within the time frame,
ensured efficient operations, record keeping and
security keeping. Also had management responsibility
for the staff of credit department.
Principal Accountability:
•Managed the entire operation of credit department in
compliance and procedure and to ensure efficient
customer service.

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•Initiated credit proposals processes, and relevant
record keeping.
•Authorized advances and post verification of credit to
ensure no bad debts at later stages. Approved and
extended credit facilities as per limits defined.
•Ensured proper daily monitoring for any short fall in
drawing powers.
•Made regular visits to pledge sites and to the
customer place of business to ensure smooth
operation of the account.
•Attended courts for suit filed cases in case of need;
attended FIA inquires in case of need for any defaulter
parties.
•Interacted with lawyers for any new suit filed cases.
•Facilitated internal, external, and SBP audit teams to
ensure smooth audit work.
•Ensured rectification of all audit objections.
members to ensure ongoing capability in development.
INCHARGE CREDIT (CORPORATE UNIT):
2002-2007 •Supervised and managed corporate credit portfolio of
the credit department in the main branch.
•Handled and prepared renewal of fresh or temporary
facilities credit proposals.
•Handled and supervised completion of loan
documentations, mortgage of properties, lien marking
for all paper securities, and registration of charges with
SECP in case of limited companies.

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•Ensured and supervised regular visit of pledge and
hypothecations sites; insurance of goods under bank’s
custody, ensured that all mortgage properties are duly
insured with usual bank mortgage clauses.
•Ensured and supervised smooth audit of the
departments on regular intervals and rectified all audit
objections.
•Facilitated State Bank and external auditors to ensure
completion of audit work.
•Attended courts in case of need for suit filed cases of
defaulter parties.
•Attended FIA in case of any frauds or forgeries
pointed out in day to day operations.
•Ensured regular visits to clients, in order to strengthen
business relationships and handle any complaints.
members to ensure ongoing capability in development.
*Note: After Voluntary Separation from United Bank Limited; joined Soneri Bank
Limited on 2nd
, August 2001, and posted at Main Branch Karachi as a Credit Officer
(Corporate Unit):
CREDIT OFFICER (Corporate Unit):
2001 (*August)-2002 •Prepared new or renewal credit proposals to
complete documentation as per sanctioned limits.
•Maintained credit files and credit documentations.
•Daily monitored of drawing powers; issuance of
delivery orders where finance was against pledge of
goods and release of shares where financing was
against shares.
•Issued letter of guarantee (LG), followed up of all
expired LGs and recovered LG commissions.

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•Recovered mark up on various facilities i.e. Running
Finance, Term Finance, Demand Finance, and
Commercial as well as Consumer car finance facilities.
•Prepared various statements including State Bank
Classification of loan and advances.
•Prepared legal cases statements, State Bank returns
as per time line defined in order to avoid any penalties.
RELATIONSHIP MANAGER:
AT UBL PEARL CONTINENTAL HOTEL (CORPORATE) BRANCH KARACHI (PAKISTAN)
*Note: 30th
, May 2001, Voluntarily Separated from United Bank Limited (UBL).
2000-2001 (*May) •Handled new or renewal of credit facilities up to Rs.
0.500M, funded or non-funded.
•Prepared credit proposals and after acceptance from
the competent authority, completed documentations
and obtained disbursement authorization certificate
that facility may allow to customer.
•Monitored the facilities for recovery of mark-up on
quarterly basis from customers, sent letters, reminders
to customers or beneficiaries (in case of LGs), for
renewal and any formalities required to be completed
or as pointed out by auditors or call backs of LGs.
OFFICER INCHARGE ADVANCES (CREDIT) DEPARTMENT:
1999-2000 •Supervised monitoring of credit portfolio, handling
new proposals, and new clients.
•Supervised monitoring of existing clients and their day
to day credit requirements.
•Supervised completion of loan documentation
formalities of new and old cases.
•Interacted with law officers for suit filing cases and
attended courts for recovery of loans.
•Visited warehouses for stock checks.

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•Interacted with internal and external auditors in
response to their audit reports.
•Interacted with government agencies in case of frauds
and forgeries.
OFFICER ADVANCES (CREDIT) DEPARTMENT;
AND
OFFICER INCHARGE-COMPUTER COORDINATOR:
1997-1999 ADVANCES (CREDIT) DEPARTMENT:
•Prepared fresh credit proposals and renewal of
existing credit lines.
•Handled stuck-up portfolio and suit filed cases
recovery of loans.
•Monitored staff loans.
•Calculated mark-up on all the advances on a quarterly
basis.
•Prepared various statements, which included State
Bank of Pakistan Prudential Regulations.
•Complied with various audit reports, which included
State Bank of Pakistan audit reports.
•Communicated with clients and superior’s offices
through letters, memos, and memorandums.
•Visited customer warehouses for stock checks where
prime securities are hypothecation or pledge stocks.
•Visited default customers for recovery.
•Visited new customers to check and see their work
places to ascertain their credit requirements.
COMPUTER COORDINATOR:
•Handled end of day proceedings.
•Output of data daily.

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•3-month and 6-month closing i.e. application of profit
on all saving accounts and application of Zakat on Zakat
day.
•Applied incidental charges on current accounts.
•Applied profit on foreign currency accounts.
•Created data reports after closing work.
•Calculated mark-up on all types of finances.
•Monitored grouping and linking of accounts.
OFFICER INCHARGE DEPOSITS AND TESTKEY DEPARTMENTS:
1992-1997 •Issued encashment of Deposit Certificates with
various terms, i.e. Notice Deposits certificates and
Monthly Income Certificates.
•Calculated payments of profits to customers on
maturity, deduction of withholding tax, Zakat, and paid
to respective offices.
•Handled branch test-keys (X-Y).
OFFICER ADVANCES (CREDIT) DEPARTMENT:
1985-1992 •Prepared fresh credit proposals and renewals of
existing credit lines.
•Handled stuck-up portfolio and suit filed cases
recovery of loans.
•Monitored Staff loans.
•Calculated mark-up on all the advances on quarterly
basis.
•Prepared various statements, which included State
Bank of Pakistan Prudential Regulations.
•Complied with various audits, which included State
Bank of Pakistan audit reports.

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•Communicated with clients and superiors’ offices
through letters, memos, and memorandums.
•Visited customer warehouses for stock checks, where
prime securities were hypothecation or pledge stocks.
•Visited defaulter customers for recovery.
•Visited new customers to check and see their work
places to ascertain their credit requirements.
OFFICER:
AT UBL STAFF COLLEGE / HAJJ BOOTH KARACHI (PAKISTAN)
24th
, May 1983-1985 •Joined UBL as an officer grade – III, and posted at UBL
Staff College Karachi for completion of six months Basic
Training Course.
•Posted at UBL Hajj Booth Karachi for Hajj Session, for
the payments of Foreign Currency and payment of
travellers cheques to Hajj Pilgrims.
PROFESSIONAL QULIFICATION:
• 1993 - Diploma Associates (DA-IBP), The Institute of Bankers in Pakistan.
SKILLS DEVELOPMENT TRAININGS:
•1984 - Six Months (Full time) Basic Training Course (BTC-59), by United Bank
Limited Staff College Karachi (Pakistan).
•1984 - Three Months (Full time) 20th
, Foreign Exchange Course, by United Bank
Limited Staff College Karachi (Pakistan).
• July 2009 - 6-weeks course, Effective Branch Management, by The Institute of
Banker Pakistan.
SKILLS DEVELOPMENT SHORT COURSES:
•Code of Conduct for the Protection against Harassment of Women at the Workplace by
Soneri Bank Limited Training Division Karachi (Pakistan), March 2011.
•Overview of Internal Controls Observations, by Soneri Bank Limited Training Division
Karachi (Pakistan), March 2011.
•SAS - AML Solution System & Data Gaps, by Soneri Bank Limited Training Division Karachi
(Pakistan), March 2011.

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•Revised CDD Profile; by Soneri Bank Limited Training Division Karachi (Pakistan), March
2011.
•Foreign Exchange Trading, by Institute of Securities Management & Research Karachi
(Pakistan), August 2010.
•Stock Trading Workshop; by Institute of Securities Management & Research in
collaboration with Karachi Stock Exchange (Pakistan), June 2010.
•Risk Management & Basel- II, by Soneri Bank Limited Training Division Karachi (Pakistan),
November 2009.
•AML/KYC (Know Your Customer) Completion Refresher by Soneri Bank Limited Training
Division Karachi (Pakistan), March 2009.
•Secured Loan Transaction-Perfecting Securities in Pakistan, by ICIL (International Credit
Information Limited) Business Training Karachi (Pakistan), November 2005.
•Working Capital Financing, by The Institute of Bankers in Pakistan, February 2003.
•Field Officer Development Program; by HR (Training) United Bank Limited Karachi
(Pakistan), June 1999.
•Effective Presentation Skills, by HR (Training) United Bank Limited Karachi (Pakistan), May
1999.
EDUCATOIN:
•1991 - Master of Arts, University of Karachi (Pakistan) (2nd, Division)
•1979 - Bachelor of Arts, University of Karachi (Pakistan) (2nd, Division)
•1975 - Board of Secondary Education Karachi (Pakistan) (1st, Division)
OTHER EDUCATOIN:
•1982 - Diploma in English Language Program from Pakistan American Culture
Centre (PACC) Karachi (Pakistan).
OTHER EDUCATOIN (FOREIGN) – Edmonton (Alberta) - CANADA:
•Record of Completion, Introduction to Crystal Reports, Instructor – Facilitated
Online Learning; received a total 24 hours of training; Edmonton Public Library –
Canada, Course Completion date, December 9, 2014.
•Record of Completion, Effective Business Writing, Instructor – Facilitated Online
Learning; received a total 24 hours of training; Edmonton Public Library – Canada,
Course Completion date, February 7, 2015.

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•Record of Completion, Mastery of Business Fundamentals, Instructor – Facilitated
Canada, Course Completion date, April 17, 2015.
•Record of Completion, Project Management Fundamentals, Instructor – Facilitated
Canada, Course Completion date, June 13, 2015.
•Record of Completion, Mastering Public Speaking, Instructor – Facilitated Online
Learning; received a total 24 hours of training; Edmonton Public Library – Canada,
Course Completion date, December 13, 2015.
REFERENCES:
References shall be provided upon request.

Syed Asif Ali CV PAK16

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