Summary
Overview
Work history
Education
Affiliations
Languages
Timeline
Generic
EMAD SHEIKH

EMAD SHEIKH

Dubai,UAE

Summary

Demonstrated superb leading capability in documenting and ensuring compliance of policies and procedures. Acknowledged for designing, strategic, creative solutions and turning around poorly performing teams and departments, guiding them to success. Highly accomplished and results-driven Banking Operations Leader credited with +17 years' supervisory experience with a track record directing all aspects of management and banking operations to achieve the long-term success and profitability by exercising a strong commitment to excellence. Demonstrated superb capability in documenting and ensuring compliance of policies and procedures. Acknowledged for designing, strategic, creative solutions and turning around poorly performing teams and departments, guiding them to success. Well versed in banking operations, business development, sales operations, credit/risk management, client relations, people management, credit analysis, capital finance, investment banking, trade finance, as well as project financing domains. Responsible for managing the Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) function Instrumental in establishing risk mitigation and internal control policies, verifying operational efficiency levels, and supervising audits, conventional/ Islamic banking transactions. A strong and positive leader who provides clear direction in empowering teams to develop and implement the strategies and actions necessary to achieve desired goals.

Overview

19
19
years of professional experience

Work history

Team Leader, Trade, Vice President

Allied Bank Limited
01.2018 - Current
  • Oversee and control Commercial Assets and Trade Portfolio for 35 ABL branches in order to develop, operate, maintain, upgrade, and dispose assets cost-effectively.

Allied Bank Limited
01.2011 - Current
  • Assessed performance of Allied Bank Limited received promotion to Vice President in 2015
  • Achieved above outstanding in performance appraisal Allied Bank Limited and got promoted to AVP in 2011
  • Achieved Target in performance appraisals of Silk Bank Limited in 2008, 2009 and 2010
  • Leveraged keen analysis, financial management and administrative abilities, insights and team approach to drive organizational improvements and implementation of best practices
  • Awarded Digital Badge from World Education Services(WES

VP (Branch Manager

Allied Bank Limited
07.2015 - 01.2018
  • Successfully formulated, revised, and approved credit proposals for trade and project financing, credit needs, and worthiness while retaining profitability of the business center
  • Establish excellent working relations with customers and business development to revise loan commitments and retain budgeted cost against all cost heads, cost, and expenses reduction
  • Function in close collaboration with internal, external, & central bank auditors and compliance related to high risk jurisdictions relating to sanctions and reputational aspects to revise branch portfolio, asset, and liability of the branch
  • Steer consortium meetings, Compliance, Business Mortgages, AML/KYC and offer training to member for advertising credit proposal till documentation, disbursement, and recovery
  • Progressed through a series of positions and swiftly rendered leading roles started as Vice President and promoted to Branch Manager for maintaining ADR branches and optimizing array of products and assets/liabilities management which resulted in the income generation of Rs 25M
  • Proved instrumental in directing credit, advances, trade, and deposits portfolio of Rs2.00 Billion, assessing KYC, AML, CDD, EDD within the portfolio, and executing banking strategies to achieve risk management targets
  • Utilized “leading from the front” management style to administer trade /credit transactions, bill discounting, guarantees, letter of credits issuance, export bills discounting, and negotiations under guidelines of UCP-600.

AVP (Relationship Manager

01.2011 - 01.2015
  • Spearheaded credit corporate portfolio for prudence and profitability to offset risk, as well as examined accounts to study limit utilization and business reciprocity of each account and evaluate actual return earned from the client
  • Produced fresh and existing credit proposals on one off basis and executed requisite security documentation by the clients as per the legal formalities
  • Formulated proposals to ensure due compliance with banking laws & principals, central bank prudential regulations and other rules and procedures advised by the CB, while following credit policy of the bank
  • Steered SWOT analysis and employed findings to design strategies, which improved customer services
  • Key Accomplishments:
  • Interacted with credit administration department to assure compliance with all central bank, local banking, and legal requirements, bank's internal policies, and central bank regulations
  • Expertly retained a book size of Rs
  • 1.3B - a mix of funded as well as non- funded exposure yielding an annual portfolio income of Rs
  • 500M
  • Directed marketing efforts to develop and increase the bank's commercial portfolio as well as credit related business by strengthening the banking relationship with the clients.

Senior Relationship Manager

Silk Bank Limited
01.2008 - 01.2011
  • SME Banking
  • Guaranteed maximum routing of trade business through the branch counters through collaboration with trade department of the branch
  • Visited site of assigned customers to inspect stock, as per compliance requirements of sanctioning authority
  • Key Accomplishments:
  • Raised profitability by securing funding and off-balance sheet business from clients and soliciting new names
  • Designed and executed bank's plans and policies in all operational areas and coordinated with back office and credit department to determine bank and customer queries or issues.

Risk Manager

Saudi Pak Industrial & Agriculture Investment Company (Pvt.) Ltd
01.2005 - 01.2007
  • Conducted risk and return analysis of the credit proposals to ensure tradeoff between risks and return associated with the credit proposal and preparing recommendations, based on facts & figures, for approval/rejection of the competent authority
  • Won wide applause & appreciations for rendering exemplary services in reviewing the credit portfolio & acted as a liaison between Credit Division & the respective offices so as to build a prudent risk base beneficial relationship
  • Applied creative technical & managerial prowess to focus on conventional financing & Islamic financing products for long term, short term, lease finance, TFCs, COIs, syndications and murabaha, musharika, ijarah and others.

Education

Masters - International Finance

London Metropolitan University
2003

Affiliations

Associate of Institute of Cost Accountant of India M. No 48431 Member of Institute of Public Accountants of M.No 277355 Associate Member Certified Public Accountant of Pakistan. M.No 2282 Associate Member of Institute of Financial Accountants of UK M.No IPA 297355

Languages

Urdu
Native language
English
Fluent
A1

Timeline

Team Leader, Trade, Vice President

Allied Bank Limited
01.2018 - Current

VP (Branch Manager

Allied Bank Limited
07.2015 - 01.2018

Allied Bank Limited
01.2011 - Current

AVP (Relationship Manager

01.2011 - 01.2015

Senior Relationship Manager

Silk Bank Limited
01.2008 - 01.2011

Risk Manager

Saudi Pak Industrial & Agriculture Investment Company (Pvt.) Ltd
01.2005 - 01.2007

Masters - International Finance

London Metropolitan University
EMAD SHEIKH