Bayt.com
Muhammad Usman Ali, Trade Finance Officer

Muhammad Usman Ali

Trade Finance Officer

Bank Al Habib Limited

Location
Pakistan - Karachi
Education
Bachelor's degree, Commerce
Experience
17 years, 11 Months

Share My Profile

Block User


Work Experience

Total years of experience :17 years, 11 Months

Trade Finance Officer at Bank Al Habib Limited
  • Pakistan - Karachi
  • My current job since June 2012

Volume Handled = Approx 9 Billion Annual Trade
- Documentary Credit (Sight & Usance)
- Contracts Payment
- Swift Correspondence with Banks for Import /
Export related transactions.
- Negotiation/Discounting of Export Documents
- Foreign Documents Bills for Collection.
- Dealing with Treasury
- Export Refinance and its settlement with SBP
Preparation of Weekly, Monthly Returns for SBP,
Quarterly and Annual Statements as per
requirements

Incharge Credit & Foreign Trade Department at Askari Bank Limited
  • Pakistan - Karachi
  • June 2006 to May 2012

Credits Department (Commercial / SME)
- To carry out detailed and thorough financial
analysis of credit proposals, review credit
applications, evaluate credit risk, repayment
capacity, adequacy/enforceability of collaterals,
and prepare detailed credit memorandum/
proposal for consideration/approval of
management.
- To manage credit operations of branch.
- Compliance of Prudential Regulations & Internal
Policies.
- To monitor and streamline the actual utilization of
financing facilities availed by the clients.
- Correspondence with clients, area/region office,
Head Office, CAD and Risk Management
Division.
- To ensure that the department’s financial records
and security documents are kept and maintained as
per the requirement of CAD, Bank’s credit policy
manual, SBP Prudential Regulations and other
policies and procedures adopted time to time.
- To deal with internal/external auditors and credit
administration, correspondences with Bank’s
Corporate Offices, State Bank of Pakistan and
other regulatory bodies over their related issues.
- Marketing and meeting with clients, negotiate and
structure financing facilities for clients.
- Member/Secretary of Branch Credit Committee.

Foreign Trade Department
- Documentary Credit (Sight & Usance)
- Contracts Payment
- Swift Correspondence with Banks for Import /
Export related transactions.
- Negotiation/Discounting of Export Documents
- Foreign Documents Bills for Collection.
- Dealing with Treasury
- Export Refinance and its settlement with SBP
Preparation of Weekly, Monthly Returns for SBP,
Quarterly and Annual Statements as per
requirements

Education

Bachelor's degree, Commerce
  • at Karachi University
  • April 2004
High school or equivalent,
  • at Karachi Public School
  • July 1998

Specialties & Skills

Import
+Endorse 1
Export
+Endorse 1
Credit Analysis
+Endorse 1
Trade Finance
+Endorse 1
Credit Risk
+Endorse 1
MS Word, Excel, Access, Power Point & Internet
+Endorse 1

Languages

Urdu
Expert
English
Expert

Training and Certifications

State Bank of Pakistan Prudential Regulations (Corporate, Commercial & SME) (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
July 2011
Know Your Customer (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
June 2008
International Standard Banking Practices 681 (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
January 2012
Private Foreign Currency Accounts & Foreign Remittances (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
August 2008
Export Finance (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
November 2009
Mortgage Assets Insurance (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
February 2012
International Trade Fraud Prevention (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
February 2008
Performance Excellence (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
March 2009
Mutual Funds (Training)
Training Institute:
Askari Investment Management Ltd.
Date Attended:
January 2008
FE-25 Financing (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
August 2008
Introduction to UCP 600 (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
August 2010
Credit Management (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
May 2008
Treasury Operations (Training)
Training Institute:
Askari Bank Training Academy
Date Attended:
February 2008