RESUME

Irfan Amir131-B, Iqbal Avenue Coorporative Society Phase III, 7th KM Canal Bank Road Niaz Baig Thokar, Lahore.

Contact Nos. 0300-9493800, Res. 042-35451030, irfan_amir1@yahoo.com

CAREER OBJECTIVE To work in a progressive banking organization, which would provide an opportunity to perform in Corporate Credit Marketing, for business development.

QUALIFICATION M.B.A (Banking & Finance)Al Hajvery College of Business Administration(Accreditation from University Grant Commission) B.Sc. : Double Mathematics & Physics.F.Sc. : Pre Engineering. Secondary School : Science.

PROFESSIONAL EXPERIENCE

STANDARD CHARTERED BANK (PAKISTAN) LTD June, 2008 to Nov. 2014

PREPARATION OF CORPORATE BUSINESS CREDIT POLICY:Engage in preparing Corporate Credit Policy of Bank by addressing parameters of SBP prudential regulations, types of credit lines offered to clients, classification of target & exclusion industry based on risk assessment & market concentration, customer credit proposal process, grading of clients for describing quality of credit exposure, credit bureau reporting under the guide lines of local regulator in case of overdue exposure, documentation procedure for securing finance & collateralization, account management, mechanism of early alert forum for identifying early risk warning signals / potential weakness of material nature which require additional monitoring by management to avert credit loss.

CREDIT ANALYSIS FOR BUSINESS DEVELOPMENT:Credit risk analysis of client’s business model, through their financials, cash-flows, project viability, cost benefit analysis, business needs, sensitivity analysis, industry demand & supply gap analysis, job creation, repayment capacity, business transactions turnover & swing in their loan account of short term working capital credit lines, history of markup servicing, business reciprocity, aging of stocks & receivables, projections, utilization of production capacity, product’s position in market, industry concentration, cash conversion cycle, credit worthiness, visit to the project site and security package offered by client.

These tools are used to identify, measure credit risk, its mitigation, reward and legal protection, for the approval of structured credit facilities with appropriate financial covenants & risk triggers, in order to minimize Credit Risk exposure.

CREDIT MONITORING OF BUSINESS INVESTMENTS (ASSETS): Credit portfolio monitoring of Overdraft, Running, Trade & Term Finance facilities allowed to clients through our monthly internal EAR Forum (Early Alert Review) for adopting any one of the four business strategies i.e. 1.Hold Business Relationship, 2.Reduce Exposure, 3.Restructure Exposure or 4.Exit Business Relationship with client, and devise future strategy with clients in the forum. While document deficiencies are monitored through ASTAR Forum (Account Subject To Additional Review), through the participation of all stake holders of bank. The minutes of meetings are captured, circulated to all stake holders for compliance, in order to safeguard interest of bank. Also seek help from line & dotted line hierarchy of bank for resolving client’s issues, where required.

FAYSAL BANK LTD Dec. 2004 to June 2008

CREDIT MARKETING FOR BUSINESS DEVELOPMENT :Corporate Credit Marketing of bank’s financial products, while analyzing customer’s business model, borrowing causes, cash flows, product demand & supply gap, market position, industry risk & potential analysis, industry concentration, business going concern, and credit worthiness of customers checked from market & other financial institutions.

Assessment of company’s working capital & long term finance requirements, by analyzing their production capacity, fixed asset capitalization, balance sheet, cash flow statement and asset conversion cycle analysis, under the ambit of SBP PR.

While negotiating with Corporate clients offered Structured Credit facilities to them according to their business needs, keep continuous follow-up on their business going concern, and also cater their time-to-time financial requirements subject to their proper business justification.

Evaluation of security package w.r.t registration of charges over Current & Fixed asset of company at Security Exchange Commission of Pakistan and at Land Revenue record, as advised by bank’s Credit approving authority and legal counsel.

Managed Corporate credit portfolio of allocated region, covering above risks and submit structured business credit proposals to approving authority for its approval. However, after approval accomplish documentation to secure bank risk, before disbursement.

After disbursement monitored business transactions of company by way of frequency of turnover & swing in their account, analyze proper utilization of credit facilities, as per approval and to explore other income generating avenues namely Corporate Cash Management financial services, which would generate further income to the Bank.

ACCORD GROUP (Textile & Paper) Feb. 2001 to Nov. 2004

REGENT GROUP (Textile) July 1995 to Jan. 2001

ELAHI GROUP (Textile) Feb. 1993 to June 1995

FINANCIAL MANAGEMENT: Performed as Finance Manager, responsible of managing banking portfolio of all three Group of Companies. Engaged in providing developing planning for their projects and evaluation of investment option, with emphasis on financial structure in the form of project credit appraisal.

Negotiated with financial institutions for the approval of different working capital, fixed asset and supplier credit finance facilities required by Group companies, from security offered to the price mix settlement.

Prepared feasibility report, budgeting for capital expenditure, financial projections, balance sheet analysis for corporate time to time requirement.

Developed production quantitative analysis, product costing, landed cost of imported goods, maintenance of inventory levels and established Production Planning & Control (PPC) department in weaving industry.

Participated in arranging project financing of foreign component for weaving unit from FMO & DEG two financial institutions of Germany. Developed plan for import of machinery from Marubini Japan, clearing from Karachi Custom Authority and installation of imported machinery at site for production.

Analyzed cash flows of captive power generation project’s fund flow movement in Supplier Credit financing, for forward booking of USD exchange rate. These, analysis were used in highest level of decision making authority.

LONG TERM VENTURE CAPITAL MODARBA Feb. 1992 to Jan. 1993

CREDIT MARKETING:Started career as Credit Office in LTVCM, looked after Credit Marketing & prepared credit proposals for the lease finance facilities for Machinery & Vehicles.

RESEARCH WORK Balance sheet based analysis over Spinning & Weaving industry of Pakistan. Received appreciation letter from Jardine Fleming Pakistan (Pvt) Ltd.

SEMINARS Foreign Trade, Credit Document Administration, Mortgages & Registration of Charges over Current & Fixed assets of company at SECP, Prudential Regulation by State Bank of Pakistan, Total Quality Management (TQM) and Anti Money Laundering.

COMPUTER LITERACY Windows based Microsoft Excel, Word & Credit Mate for risk approval.

IDENTITY CARD NUMBER 35202 - 7897005 – 7