Israr Ashraf

Result-oriented professional having overall 09 years plus of professional experience comprises of 09 months non-banking & 9 years banking experience, in different areas like Finance, Taxation and Banking sector. Currently, I am working as CAD Officer Documentation in MCB Bank Ltd, responsible for managing day to day work in order to provide support to other Departments, diversified experience in the areas of CAD, Credit Monitoring, Mortgages / Securities perfections, Prime Minister Youth Business Loan, Consumer Products, and Commercial Loans offered by Bank.

To work in a growth oriented organization which provides a wealth of experience and constant intellectual stimulation and helps me to utilize my strengths for the fulfillment of the Organization's objectives. To achieve high carrier growth I want to flourish myself through a continuous learning process and keep myself dynamic, visionary and competitive with the changing scenario of the world.

• Team Support Award

• Credit Administration Certificate
• Fund & Non Fund Based Facilities' Certificate
• Consumer Products Certificate
• SBP PRs Certificate
• Cyber Security Certificate
• Professional Grooming Certificate
• Service for Life Certificate
• Microsoft Office Certificate
• Microsoft Excel Professional Certificate

DUBAI ISLAMIC BANK PAK LTD

Credit Administration Department (CAD)

Assistant Manager

• Over all Processing/ Documentation of Corporate / Commercial Banking Division / Small & Medium Enterprises Customers in Central/ North Regions.
• Review of Credit Proposals/ Extensions/ Deferrals and respective Filing.
• Ensure that all Facilities / Security documents have been received before release of limits to the customer.
• Release of email to the Business units with regards to the completion of documentation formalities; in line with the received CP/ DD.
• Ensure all requirements of Credit Policy Manual and Sharia are implemented and complied before releasing of credit limits.
• Maintenance of deferrals/ Exception record.
• Preparation of Master Agreements (Control Documents) on Renewals/ Extensions., Preparation of Facility Advising Letters.
• Monitoring of stock reports and respective insurances to determine the shortfall (if any), Monitoring of stock inspections of Hypothecated/ Pledge Assets.
• Monitoring of Pledge stocks and timely submission of respective reports in line with the given frequency.
• Liasoning with External Lawyers for preparation of Mortgage Documents i.e. MODTD/ Token Mortgage and filing of the same with revenue authorities.
• Review of Charge documents and Search Reports to ascertain status of Charge.
• Review of Legal Opinions and allied documents, upon registration of Mortgage/ Charge.
• Review of security/ collateral documents held as security.
• To liaison with the Evaluators for evaluations/ Identification Process.
• Joint inspections of Pledge sites.
• Provide support to Relationship Manager to ensure smooth business activities.
• Maintain the stock reports, stock inspections and Insurance tickler for efficient reporting to management, Scanning of Documents.
• Vendor Management (Billing, Allocation of Pledge / Hypo Inspection).

MCB BANK LTD, Credit Risk Control Division (CRCD)

Credit Administration Department (CAD)

Documentation Officer

• Supervision / Processing of all Credit Portfolio (Corp. / Comm. / SME / Agri. / MPMG Scheme / PMKJ-YES & Staff) pertains to Central Region.
• Credit analysis for Disbursement.
• Scrutiny of charge & security documents.
• Security perfection by active liaising with Security Counsel & other business units.
• Pre - DAC formalities as per legal opinion stage - I.
• DAC Authorization.
• Limit authorization / supervision into module.
• Post - DAC formalities as per legal opinion stage - II.
• Active monitoring of all advancing for timely settlement.
• Active Liaison with Legal Counsel & SAM for court cases.
• Coordinator for SBP / Internal audit.
• Key holder of security vault.

MCB BANK LTD, Credit Risk Control Division (CRCD)

Credit Administration Department (CAD)

CRC Officer

• Currently responsible for managing and coordinating the daily operations of data processing center for processing of client documents.
• Receiving directions, coordination, planning, and operation of the Data Processing Center.
• Assists the Data Processing officer in ensuring that all department functions and activities operate effectively, efficiently, and securely within established deadlines and service levels.
• To Perform a variety of routine daily tasks; reviews reports, prepares correspondence; participates in special department projects.
• Performs supervisory duties of department staff, and coordinates staff for coverage in all related tasks.

Rafique Chaudhry & Co.

Assistant Accounts officer

• Preparing financial documents such as invoices, bills, and accounts payable and receivable.
• Managing payroll.
• Completing financial reports on a regular basis and providing information to the finance team.
• Completing bank reconciliations Processing business expenses.
• Verifying bank deposits.
• Managing day-to-day transactions.
• Sorting financial documents and posting them to the proper accounts.
• Reviewing computer reports for accuracy and meticulously tracing errors back to their source.
• Resolving errors in financial reports and correcting faulty reporting methods.

• Community involvement
• Photography
• Networking
• Learning New Skills

Available on demand.