محمد خليل

• Involved in the timely implementation of T-24 (Core Banking System) Project at Union National Bank for Trade Finance Department. Brought improvements and enhancements in the core banking system. Was awarded letter of appreciation by the Bank.
• Prepared Standing Operating Procedures for Union National Bank, Abu Dhabi as per the new core banking system and T-24 (System Application) Work Instruction Guide for Trade Finance Operations.
• Involved in the Restructuring and Re-Engineering of Trade Finance Services Department at Union National Bank.
• Undertook several Enhancement initiatives in T-24 System Applications from Trade Finance perspective.
• Prepared T-24 Functionality training material of different modules used by Trade Finance and conducted System (T-24) trainings to Trade finance staff and for UNB China office.
• Involved in T-24 technical up-gradation Project from R-8 version to R-15 for Trade Finance Services.
• Involved in development of Factoring Product for UNB.
• Involved in various System Enhancement Initiatives in T-24 System Application for Trade Finance.

• Country wide monitoring of Foreign Trade (Exports, Imports, Guarantees and Islamic Export Refinance) & Foreign Exchange Returns of the Bank.
• Overseen as Head of Trade- LC issuance, LC Advising, Bills under LCs, LG issuance, Open account and advance payments transactions under exports and imports.
• Segregation of Policy and Procedures for Trade Finance Department (Exports, Imports, Guarantees and Trade Advances)
• Training and development of new recruits in the trade finance division.
• Acted as Acting Country Head of Operations for three months.
• Hiring and deployment of staff at Centralized Operations Department.
• Close liaison with Manager Operations of branches on the Pan-Pakistan basis to achieve compliance of prudential regulations, State Bank of Pakistan guidelines and Internal Policies of the Bank.

SVP- Operations Department
* Country wide monitoring of Foreign Trade (Exports, Imports, Guarantees and Islamic Export
Refinance) & Foreign Exchange Returns of the Bank.
* Development of centralized operational policies of Trade (Exports, Imports, Guarantees and
Islamic Export Refinance) in the freshly launched bank.
* Final Scrutiny of import LCs issued under UCP 600 and documents received thereupon as per
ISBP for Examination of Documents under Documentary Credits (ICC Publication No. 681),
export bills sent under UCP 600 or URC 522 and Guarantees issued under URDG 758.
* Overseeing Letter of credit Advising, Transfer, Cancellation, Confirmation and Assignment of
Proceeds as per UCP 600, local regulations and Bank’s Internal Policy, export advance payments,
import advance payments, import contract collections, import open account remittances, local and
foreign guarantees, their documentation and management as per local laws and internal bank
policies.
* Follow-up of all outstanding export and import bills with internal and external customers including
overdue bills.
* Overseeing financing to importers and exporters against import and export bills.
* Final scrutiny of Export Rebate Claims of exporters with the Central Bank as per local rules and
regulations.
* Implementation of the policies developed as per Islamic Shariah Standards and SBP requirements
i.e. Export financing on Murabaha basis against FE-25 Foreign Currency deposits and Negotiation
of Sight L/c’s on Bi-Salam basis.
* Training and development of new recruits in the trade finance division.
* Designing, development and deployment of I.T. Trade Module in line with the requirement of
Islamic Banking.
* Provide back-up support to Country Head of Operations in preparation & updation of Operation
Manuals.
* Hiring and deployment of staff at Centralized Operations Department.
* Preparation and Submission Licensing applications to SBP for opening of branches, ATM booths,
Sub branches and Service centers.
* Overseeing requests of Foreign Exchange licenses with SBP for newly established branches of the
Bank.
* Handling correspondences with SBP pertaining to the Operations Department of the Bank.
* Overseeing installation of SWIFT and preparation of SWIFT policies and procedures for the bank.
* Training of users at SWIFT.
* Handling documentation of Bank’s nostro accounts in close co-ordination with Financial
Institutions Division of the Bank.
* Overseeing Implementation of Business Continuity Plan and Achieving Project of the Bank.
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* Close liaison with Manager Operations of branches on the Pan-Pakistan basis to achieve
compliance of prudential regulations, State Bank of Pakistan guidelines and Internal Policies of the
Bank.
* Issue instructions and guidelines to branches and other units/ departments from time to time
pertaining to Trade Finance, Swift, General Banking, FX and other operational activities of the
Bank.
* As Head of Credit Operations, responsible for overseeing & monitoring all types of finances in
compliance with Shariah & SBP Regulations.
* Preparation of Annual Consolidated Budget of the Centralized Operations as per guidelines
provided by the Head of Operations and allocation of Human Resources accordingly.
* Reporting of fraud and forgeries to SBP in coordination with all the stake holders of the Bank.
* Overseeing Reconciliation of Inter branch, nostro, ATM, Inter Bank and clearing transactions on
Pan-Pakistan basis.
* Overseeing Utility Bill Payments arrangements as per SBP guidelines on Pan-Pakistan basis.
* Overseeing management of centralized system of dispatch of statement of accounts to all customers
on Pan-Pakistan basis monthly as well as Pre-dormancy and Dormancy letters.

Overall Monitoring of Foreign Trade (Exports, Exports Refinance & Imports) Portfolio of Rs. 4.7
Billion, since January 2003.
* Responsible of Managing Swift System in the branch as well as Export Re-Finance Section.
* Worked as number two to the Branch Manager.
* Responsible of managing overall branch operations including General Banking Operations.
* Monitoring of credit facilities of various clients in liaison with Credit Dept.
* Execution of all types of functions and responsibilities as a member of Branch Credit Committee.

In-charge Export Re-Finance, Exports and L/C Negotiation Department for 5 years at main branch Lahore.

In-charge Foreign Trade Union Bank Limited Gulberg branch Lahore- 1 year.

In-charge Collections at Centralized Operations, main branch Lahore at Union Bank for 1 year.