جمال حسن

Achievements:
• Successfully enhanced new funded and non-funded lines of USD 7 million from existing and new banks

Job Description:
• Responsible for leading the Corporate Treasury function of group companies
• Liquidity management and placements of idle funds
• Evaluation, enhancement, and strengthening of strong relationships with financial institutions
• To negotiate and enhance funded and non-funded lines to meet business requirements for operations and expansion
• To oversee cash management and trade finance portfolio of group companies
• Automation and digitization of the processes, formulation of policies, procedures, and framework for Group Treasury
• Financial risk management and identification of control gaps, design strategies to cover these gaps
• Planning, budgeting, financial reporting, and accounting of treasury portfolio as per the disclosure requirements

Achievements:
• Played an instrumental role in the digitization of the payment process with various banks that improved payment processing time from two days to an hour
• Successfully implemented a Real-Time Integrated Cash Management System with various banks that reduced collection and order processing time from two hours to real-time
• Participated as a lead representative from Finance by arranging financing, structuring trade transactions, and correspondence with global suppliers for the Expansion Project worth USD 19 million
• Saved cost of USD 0.100 million by performing efficient negotiation of foreign exchange rates and process improvement in trade transactions
• Became a Core Team member being considered a high performer and useful member of the organization on the recommendation of the CEO
• Developed mechanism of clean presentation of shipping documents to banks against LCs in local and foreign exports to secure and ensure timely realization of receivable for USD 8 million

Job Description:
• Managed exposure of approximately USD 123 million including funded (long/short term) and USD 182 million non-funded facilities availed from 17 commercial banks
• Maintained strong relationships with financial institutions
• Implemented the latest technologies, products, and services offered by banks and fin-techs to improve the cash cycle & simplify operations
• Negotiated markup rates for working capital facilities, exchange rates, booking forward cover, and hedging
• Financial planning, cash flow forecast, cash management, and short-term placements
• Managed and controlled financial risks, liquidity position, and funding requirements
• Supervised trade team with a trade portfolio of around USD 280 million
• Coordination with global suppliers for bulk buying of raw materials and structure global and local trade, guarantees, and supply chain finance transactions under international rules and central bank’s regulations
• Process automation, digitization, formulate policies, and procedures, conduct internal control gap analysis, and eventually ensure its implementation
• To monitor and control financial reporting, including review and verification of actual, forecast, and budget of treasury and trade portfolios to CFO, CEO, and Board Treasury Committee

Achievements:
• Received for outstanding commitment to Quality Service and Customer Satisfaction
• Provided technical assistance in opening the biggest LC in the history of MCB worth USD 45 million

Job Description:
• Managed local and foreign trade portfolio of the main branch and its associated branches
• Supervised subordinates for smooth execution of the trade and foreign remittance transactions
• Managed exchange rate negotiations and stayed up to date on information about the foreign exchange market
• Coordination with clearing, forwarding agents, and shipping companies for shipment and documentation-related issues
• Monitoring and reporting of import, export, and foreign remittance business to RH and GM
• Adjustment and reporting of export overdue cases to SBP

• Analysis of credit requirement and provide its appropriate solution
• Preparation, structuring, and processing of credit proposals
• Risk review of credit portfolio and giving appropriate score according to internal policies of the bank
• Focused on quality assets management, prime targets include generating high trade and cash management business
• Resolution of issues related to amendment, enhancement, and extension of credit and trade lines

Import:
• Initial analysis, processing, opening, and payment of sight, usance, deferred, and services LC under UCP
• Supervised import transactions based on contact, advance payment, and IFDBC in light of the SBP foreign exchange manual.
• Issuance and redemption of shipping guarantees
• Correspondence with SBP for the approval of opening and payment of services LC
• Managing exchange rate negotiations and staying up to date on information about the foreign exchange market
• Periodical reporting of trade and foreign exchange returns to SBP and head office

Export:
• Examination of shipping documents in compliance with ISBP
• Collection and realization of FDBC and LDBC under URC
• Negotiation of FDBC and LDBC by purchasing and discounting against LC and contract
• Authorization and monitoring of export advance payment and ensure its utilization according to the SBP F.E. manual

• Assessment of borrowing needs and structuring of funded and non-funded facilities
• Preparation, analysis, and execution of credit proposals for approval
• Completion of pre-disbursement and post-disbursement formalities
• Disbursement, sight and off-sight monitoring, adjustment and renewal of RF, FIM, FTR, term finance, housing finance, auto finance, and recovery of mark-up
• Issuance and redemption of custom, shipping, utility, bid bond, and performance guarantees as per local laws and URDG
• Verification of customers’ business and stock through regular visits
• Periodical reporting to SBP and head office