Manager Trade Finance
Bank Al Habib Ltd
Total years of experience :15 years, 9 Months
1) Supervise all Import and Export Transactions.
2) Respond to customer queries and provide guidance to execute trade through banking channel for new customers and enhance deepening for existing customers.
3) Looking after complete WEBOC till certification to BCA realization and BDA marking.
4) SBP coordination for approvals for special cases .
5) Reporting to SBP and RRD various report as time required.
6) Coordinate with the respective RMs for customer's limit issue, provide assistance for making proposals for new limit and enhance existing.
7) Visit customer NTB (New to business)
8) Compliance of all transactions under shahriah requirement and provide guidance of Islamic mode if financing through RMs to customer.
Export Department;
• Detailed Scrutiny of Documents drawn under LC and prepare advices based on clean or discrepant.
• Respond to Customer queries and coordinate with customer with a view of correcting the discrepancies and or obtain customer
instruction to dispatch as it is.
• Dispatches of various destined Documents generate liability vouchers, and maintained proper internal records.
• Check Nostro for the documents already dispatched. Upon receipt of funds, capture accounting entries.
• Follow up unpaid exports bill on regular basis.
• Prepare Annexure and PRC for customer.
• LC advising and transfer as earliest as received our counter
• Bills payment of Courier Co. DHL, maintain proper working.
o CENTRALIZED TRADE FINANCE-HEAD OFFICE
(July 2013 - Present)
• Examination / Scrutiny of Documents as per International standard and prepare advice based on clean / discrepant / SG issued.
• Letter of Guarantees (L/G), timely issuance, maintain documents / advices up to the proper limit and global review set up for each client, capture accounting entries, and reminders for non surrender to original Bank Guarantees
• Issuance of Shipping Guarantee, margin taken (if any), capture entries, keep fling, letter sent to shipping line for surrender of Original BL and follow up for redemption of shipping guarantee.
• Loan facilities (FIM / FATR) of customers. Disbursement, adjustment and final settlement and balancing of routing account.
CENTRALIZED IMPORTS
1.Scrutiny of Documents as per recognized standards and prepare advices based on clean / discrepant / shipping guarantee issued.
2.Creation of notice of discrepancies and ensure that the messages are released to bank from whom the documents were received within the time frame allowed under UCP 600.
3.Follow up outstanding discrepant documents those remain unaccepted on regular basis.
4.Lodgement and retirement of Documents.
5.Documents against acceptance.
6.Payments of Documents / Reimbursement.
7.Payment / acceptance / authorization to reimbursement / advice of refusal / and other SWIFT messages.
LC establishments / amendments / reimbursement authority.
CENTRALIZED EXPORTS.
1.Scrutiny of Documents drawn under LC and prepare advices based on clean or discrepant.
2.Coordinate with customer with a view of correcting the discrepancies and or obtain customer instruction to dispatch as it is and respond to customer queries.
3.Check Nostro for the documents already dispatched. Upon receipt of funds, capture accounting entries.
4.Follow up unpaid exports bill on regular basis.
5.Payments of export proceeds.
6.Export L/C Advising. Transfer
7.All monthly statements related to exports.
Monthly SBP (Central Bank's) Return
Monthly Overdue Reporting
I have completed my masters with cumulative GPA 3.04 along with my job with all relevant requirements of degree like final report, comprehensive test, credit hours, final presentation and dissertation. In dissertation i have prepared a financial ratio analysis report on 'Engro Polymers and chemicals ltd' in which I have taken the previous records, determine the trend and anticipate the future of the company like its Liquidity Analysis (general and specific both and its comparison), Leverage Ratio (equity ratio, debt to equity ratio and time interest earned-showing capability of paying interest through profit), Efficiency Ratio (current asset turnover, equity turnover and asset turn over) Profitability Ratio (gross profit margin, operating profit margin and net profit margin) Marketability Ratio (return on asset/return on investment, return on equity. And at the last, comment on balance sheet and income statement showing the financial health of the company and trend of profit respectively.