Raza Ali
(92) 332 3506869
Phone: (92) 22 2661530
Cell:
raza_aly@live.com
F # 41/3 Ground Floor, Gulistan-E-Fatima Mubarak, Housing
Society Jail Road Hyderabad, Sindh, Pakistan.
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Professional
Summary
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http://www.linkedin.com/pub/raza-ismaili/57/229/62b
Currently working as an Area Credit Analyst at Bank Alfalah Ltd.
More than 7 years of experience in Banking industry; working at different level of
positions & departments.
Hands on Credit Approvals in line with Retail and Middle Market, Corporate and
Commercial Finances.
Skilled and experience with Microsoft Office Programs (Excel, Word, PowerPoint).
Motivated, Personable professional part time Freelancer with multiple skills and
diverse knowledge of handling projects and work.
Scrutiny and Analysis of Credit Line
Proposal(s) by identifying need of
Working Capital Finance, Trade
Finance and other finances, in line
with the SBP’s PR.
Recommending approval or decline
of the credit request along with
imposition of required covenants
and structuring of limits to the Head
Risk / Chief Risk Officer.
Annual Renewals, Initial and Interim
Reviews, Temporary Financing
Sanctions, Amendments etc.
Risk Management by identifying key
risk elements and
recommendations for approval,
restructuring or decline the Credit
Request along with regular
monitoring of the advances
portfolio.
Quantitative analysis including
analysis of financial statements,
operating & long term financing
needs and cash flow projections to
ascertain repayment capacity of the
borrower.
Qualitative analysis of the credit
keeping in view the transaction,
market & industry position,
collateral adequacy and due
diligence gauging account behavior
with Financial Institutions and other
stakeholders.
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Regulator Reporting and Ensuring compliance
with the guidelines provided by the Bank's
Credit Policy and the Central Bank.
Processing & issuance of letter of Credit,
Registering of Import Contract, Processing of
Import Advance Payment.
Lodgment and retirement of collection
documents.
Submission of monthly Returns of SBP as per
respective deadlines.
MIS reporting to H.O for Area Portfolio.
Processing & issuance of Shipping Guarantee,
Airway Bill and Railway Receipt.
Follow-up of outstanding / unaccepted bills,
Shipping Guarantee /Airway Bill release and
Import documents not received against the
Advance payments.
Responsible for clearing NOSTRO open items,
and follow up with foreign correspondent banks
the recovery / settlement of o/s un-reconciled
NOSTRO items pertaining to Imports.
Responsible of Foreign Remittances including
Outward TT, Foreign Drafts, Collection of
Foreign Cheques and other instruments,
recovery of all charges as per SOC.
Multiple Computer Expertise in hardware as
well as Software packages.
Professional
Accomplishments
Training Acquired.
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Introduction To Trade Finance.
Banking Operations.
Branch Banking.
Know Your Customer & Anti Money Laundering.
USGL & Working Capital.
Certification Acquired
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Certificate in CCNA from Cybernautics The Computer School Saddar Hyderabad.
Certificate in ‘A+’ Core Hardware & Software from Genetics Computer School Hyderabad.
Certificate in MS-Office College Of Modern Sciences Mirpurkhas.
[Achievement]
Computer Skills (Hands On)
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Professional
Experience
Educational
Background
TEMENOS T24.
HTML 5.
Microsoft Office Package.
SWIFT Alliance Server.
QuickBooks Pro Plus 2011.
Sage Peachtree.
Visual DSS.
Freelancer.
words p/m.
Hands on LAN &WLAN.
Hands on Microsoft Windows Operating Systems & Trouble Shooting.
June 23, 2013 to date.
 Area Credits Officer,
Bank Alfalah Limited,
Hyderabad, Pakistan.
July 26, 2010
 Officer Trade Finances
Bank Alfalah Limited,
Hyderabad, Pakistan.
September 10, 2009
 Act. Branch Manager,
The First MicroFinance Bank Ltd.
Hyderabad, Pakistan.
January 15, 2007
 Point of Link Office In-Charge
The First MicroFinance Bank Ltd.
Hyderabad, Pakistan.
January 7, 2006
 Micro Finance Officer.
The First MicroFinance Bank Ltd.
Hyderabad, Pakistan.
 JAIBP
The Institute Of Bankers Pakistan & The UK’s Chartered Banker Institute
Karachi Pakistan.
In Progress
 MBA in (FINANCE)
University Of Sindh Jamshoro
Jamshoro Hyderabad, Pakistan.
January 26, 2009
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Bachelors (Information Technology)
University Of Sindh Jamshoro
Jamshoro Hyderabad, Pakistan.
February 1, 2006
Community
Activities
 Member Economic Up-liftment.
Aga Khan Social Welfare Board.
Hyderabad Pakistan.
July 11, 2010 - July 11, 2012
 Member Finance.
Aga Khan Economic Planning Board.
Hyderabad Pakistan.
July 11, 2008 - July 11, 2010
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Member Publications
Ismaili Tariqa & Religious Education Board.
Hyderabad, Pakistan.
June 1, 2005 - September 1, 2006
Linguistic Skills
English
Read, Write, Speak
Urdu
Read, Write, Speak
Sindhi
Read, Write, Speak
Reference
[References are available upon request.]