IJAZ BASHIR SHEIKH
278, G/3, Johar Town, Lahore
Home: (9242) 3529-0775 – Cell: 0300-432-6726
Email: sheikhijaz9@hotmail.com
PROFESSIONAL PROFILE
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An energetic Banker with over “Thirty years” of experience in Banking & Management.
Strong interpersonal skills combined with time management to achieve desired goals.
Proven leadership excellence, strategic-planning, proven resource maximization methodology,
innovative operational efficiency, and cost reductions.
 Enthusiastic problem-solver with keen ability to rapidly assess diverse situational challenges,
develop action plans, and build/ lead team to meet or exceed targeted goals.
 Formation of manuals, SOPs & guidelines upon BRANCH OPERATIONS, CREDIT
ADMINISTRATION, SAM/COLLECTION FUNCTIONS & MIS REPORTS etc.
 Fostering commitment, team spirit, pride, trust, and group identity are particular strengths.
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Area of Expertize:
1. Credits, CAD, Recoveries & SAM.
2.
Systems & Operations.
3. Internal Audit.
4.
Policies formulation
5. Time Management.
6.
General Administration.
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PROFESSIONAL EXPERIENCE:
2013 – to date
SVP/Head Credit Risk Management Div & Credit Admn Division
Punjab Provincial Coop Bank Limited
2010 - 2012
Country Head/SVP - Special Assets Management
BURJ BANK LIMITED (Formerly Dawood Islamic Bank Limited).
Responsibilities:
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Overall supervision of Special Assets Management (SAM) and Recoveries/Collections.
Played key role on crisis-management performing on-site evaluation of client businesses, financial reports
before negotiation of final terms of settlements, re-scheduling, re-structuring etc. with defaulting clients.
Managed staff and ensured timely collection of accounts receivables pertaining to financings etc.
Monitoring of financing activities to ensure quick rectification of audit irregularities.
Responsible to reduce the overall percentage of Non-Performing Finance portfolios.
Managing contractual agreement, recovery suits, FIRs & other litigation in liaison with legal/advocates.
Development of policies & SOP’s on SAM Functions.
Developed MIS pertaining to the Credit/SAM/Recoveries functioning.
Special assistance to CEO towards implementing special tasks.
2008-2010
Country Head Branch Banking, SME/Consumer Finance and SAM/Recoveries
TRUST INVESTMENT BANK LIMITED.
Responsibilities:
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Developed & implemented the supervisory handbooks on BRANCH BANKING/OPERATIONS.
Overall supervision of country-wide fresh SME/Consumer financing & client relationships.
Perform in cross-functional capacity managing and controlling activities of both SAM &
Recoveries Department through gradual reduction of existing Non Performing Loan portfolio.
Negotiate & finalize with tedious clientele, finance/settlements, re-structuring, re-scheduling etc.
Look after different projects on FIRs, re-possession of leased assets & other litigation etc.
Also looked after Credit Administration & Risk Management to streamline its working and to
contribute the formation of manual of CREDIT ADMINISTRATION.
Prepared strategic-management information and variance analysis to improve short-term
productivity and long-term profitability through effective monitoring of Credit, SAM & Banking.
Played key role in coordination with CEO & branches for rectification of audit observations.
Multi-unit management / Trouble shooting in coordination with CEO.
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2004-2008
Head Credit Administration & SAM/Recoveries (Lhr area)
SME BANK LIMITED.
Responsibilities:
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Supervise financing portfolio of Twelve Branches (Punjab-Pakistan) and authorize disbursement
of loan/finance after completion of all formalities.
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Ensured quick disbursement of finances strategizing both Client Needs as well as Bank’s limitations.
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Ensure completion of legal and security documents of financing and properly secure the
financing through mutation in land revenue/others.
Auction & liquidation of mortgaged properties through court and under section. 15 of Ordinance.
Ensure adherence of SME Prudential Regulation to avoid SBP penalties & audit observations.
Supervise stuck-up/non-performing loans/advances through recovery teams & litigation process
and responsible to maintain appropriate percentage.
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Note:- Also worked with German Consultants of Bank Akademie International, deputed by Asian Development Bank to
introduce new modules & restructure the bank.
2000 – 2003
Vice President/Head Operations & Administration-Northern Region.
KASB BANK LIMITED
Responsibilities:
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Look after the entire Operations of the bank; at all the branches of northern region.
Ensure smooth Branch System Process with Proper Service Quality & Customer Satisfaction.
Developing & Implementing Business Growth Strategy accompanied with Financial Discipline.
Effective team management and execution of change of the management with introduction to
organization’s brand image.
Recruitment & remunerations after performing capacity analysis of all the staff posted in northern
region with timely resolve of dispute/conflicts arisen from time to time.
Develop effective Management Information System (MIS) at all the branches / Regional Office.
Coordination among Branches, SBP, SECP & Head Office as well as Vendor Management.
Special assignments viz-à-viz dealing Audit reports, Fraud/Forgeries & complicated loan cases
for which cash reward/elevation assured by the President/Chairman.
1999-2000
AVP/Head Operations & Administration – Northern Region.
SILK BANK LIMITED.
Formerly Saudipak /Prudential Commercial Bank Ltd
Responsibilities:
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Supervise Operational set up of the all the branch network of the bank at northern region.
Supervision administrations function in regional office and at all the branches.
Look after Audit Implementation unit for proper follow up of audit reports at all branches.
Also monitor Regional Credit dept. and process corporate/SME proposals of all the branches.
Develop Management Information System (MIS) at all the branches/Regional Office.
1979-1998
AVP/Team Leader, Internal Audit & Inspection Division
United Bank Limited
Responsibilities:
(All aspects of banking scrutinized as per UBL/SBP laid down rules)
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Conducted annual / bi-annual Comprehensive & Surprise Audits of branches located in Punjab
covering all aspects of Banking such as:
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Commercial/Foreign Trade/SME Financing, Agriculture Loans, Export Refinance etc.
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Placement/Treasury Operations.
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General Banking (Deposits, Bills/Remit, Accounts, Clearing/TD, Lockers etc.)
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Conducted Financial & Management Audit of UBL Controlling Offices such as:
Regional Headquarters, Circle Offices, Zonal Offices, Staff Colleges.
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 Conducted International Banking /Foreign Trade Audit of all branches dealing in Foreign
Exchange business at Punjab, Dubai, Sharjah, Abu Dhabi, United Kingdom etc.
 Conducted all types of Enquiries of Fraud/Forgeries, Misappropriations & Dacoits etc.
 Conducted audit of yellow cab financing allowed for Punjab - Pakistan.
 Conducted SBP Classification of Advances/Finances, Wheat Pledge as well as other campaigns.
NOTE:-
EXTENSIVE TRAVELLING THROUGHOUT THE PAKISTAN
1978 to 1979
In charge Exports, UBL - Small Industrial Estate, Sialkot
FOREIGN BANKING EXPERIENCE
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Selected twice by United Bank's Board of Directors to conduct Audit during the
year 1988 & 1991 for all the branches of Dubai & Abu Dhabi Zones.
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Especially selected by Chairman of the bank in 1996 for Audit of UK Region
Branches i.e. Glasgow, Oldham & London along with special scrutiny in
accordance with the requirement of Central Bank of England on
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Money Laundering.
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Cross Firing.
QUALIFICATIONS
Note:
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MBA (Finance) from AIC, Lahore
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Graduation in 1975 from Government College University, Lahore
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Diploma Associate Institute of Bankers in Pakistan
Individual Consultant registered with Asian Development Bank.
TRAINING & COURSES ATTENDED
from UBL TMDD, Karachi.
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Foreign Exchange Training Course
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Courses on KYC/Anti Money Laundering, Sharia Finance, Islamic Vs.
(1st Position)
Conventional Banking etc.
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Course on Prudential Regulations for SME Financing at IBP-Lahore.
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Workshop on Loan Loss Provisioning at IBP - Karachi
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Course on Audit & Inspection coordinated by Pakistan Banking Council.
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Course on Interpretation/Analysis of Financials from UBL-Islamabad Academy.
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Course on UNIBANK System Orientation at UBL Computer Division -Karachi.
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Computer fundamentals (Win 95/98) from Brain bench.
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Attended various seminars and workshops on different subjects of
International & Domestic Banking, Personal Management & Finance.
PERSONAL
Management Style:
Team Player
Date of Birth:
25th March, 1956
Marital Status:
Married
Domicile:
Lahore – Punjab