Waqas Ahmad Sheikh Islamic & Conventional Banking,Finance,Statistics
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Please contact me if you are interested in learning the ABC of Conventional or Islamic banking. I can help you with topics pertaining to all kinds of Islamic & Conventional Banking Products.

I can help you with your assignments and can also prepare you for your quizzes.

I have great amount of practical experience related to assessment of Financial needs of the customer and making proposals to cater his financial needs keeping in view all the available Islamic & Conventional Banking products. Furthermore, I can also guide you about International Trade including both import and export based facilities. I can teach following topics/products:-

ISLAMIC Banking Facilities

Musharakah
Mudaraba
Murabaha
Salam & Istisna
Ijarah
Sukuk
Takaful
& Others

CONVENTIONAL & Trade Based Banking Facilities

RF (Running Finance)
FATR (Finance against Trust Receipt)
FIM (Finance against Imported Merchandise)
TF (Term Finance)
LF (Lease Finance)

SLC (Sight Letter of Credit)
ULC (Usance Letter of Credit)
Acceptance against ULC
FAPC (Finance against Packing Credit)
FBP (Foreign Bills Purchased)

Guaging Working Capital Requirements
Financial Analysis
Making of Feasibility Report
Making of Credit Line Proposal/Loan Proposal/ Financing Proposal
Day to Day Banking Operations
Insurance

I can also guide you in detail about all the aforementioned topics.

Please feel free to contact me if you need guidance on any of the aforementioned topics.

Subjects

  • Finance Beginner-Expert

  • Mathematics Beginner-Expert

  • Islamic Banking & Finance Expert

  • Finance and Banking Expert

  • Banking and financial institution Expert

Experience

  • Unit Head (Islamic Finance & International Trade) (Oct, 2021–Present) at Faysal Bank Limited
    Commercial Portfolio handling and processing
  • Branch Manager - Hub Branch (Aug, 2019–Sep, 2021) at Faysal Bank Limited
  • Branch Manager (Apr, 2018–Jul, 2019) at MCB Islamic bank
  • Branch Manager (Jul, 2016–Mar, 2018) at Bank Alfalfah Limited
  • Team Leader ( SME & Commercial Credits) (Mar, 2013–Jun, 2016) at Bank Alfalah, Lahore (Pakistan)
    Professional Achievements:
    I was rated ‘Excelling’ in my last 4 Performance Appraisals.
    I have been able to enhance assigned advances portfolio by Rs. 1.500 Bn over the couple of years.
    Attended Bancassurance Summer Sales Convention 2014 in Moscow, Russia upon achieving highest BANCA Sales figure in Lahore Region.

    My Tasks:

    Leading a team of 07 Senior Relationship Managers.

    Keeping myself updated regarding BAL’s relevant policies and procedures, SBP’s guidelines including Prudential Regulations, their dissemination to concerned staff and monitoring compliance
    • Ensure compliance with SBP’s Prudential Regulations; to rectify SBP’s, internal and external audit objections on an ongoing basis
    • • Meet or exceed portfolio targets for number of customers, PKR volume, revenue & net profit including deposit, lending & trade
    • Generate new prospects from own efforts (personal network, existing customers, trade associations, etc.) as well as referrals from other departments and existing customers
    • • Cross sell to existing bank customers - own portfolio and to other bank customers
    • Structure and negotiate deals with customers that meet the bank’s profitability targets and comply with bank policies and product programs
    • Analyse financial statement & credit analysis of customers for credit applications and performing annual reviews
    • Ensure timely credit approval & disbursal of funds by closely monitoring & following up on the credit approval process
    • Manage repayments for early collections (e.g. dealing with excesses, collections <60 DPD)
    • Manage existing relationships through regular contact or visits to customers
    • Manage mix of customer in the assigned portfolio, and ensure product exposures are within targets
    • • Conduct daily, weekly & monthly sales planning & performance review meetings with their RMs
    • Make joint calls with RMs to clients
    • Support & coach RMs in managing their customer servicing issues
  • Credit Officer, RM, SRM (Jun, 2009–Feb, 2013) at Bank Alfalfah Limited
    Credit Marketing & Processing

    • Managing a sanctioned funded & non funded portfolio♣ of around Rs. 3.50 Billion

    • During last one and a half year I was being able to enhance the sanctioned credit portfolio by over and above Rs. 1.00 Billion

    • Timely processing of Client’s financially viable Credit Line Proposals / Renewals / Enhancement etc.

    • Structuring of credit line facilities, provided to the client, in line with the banks policy, SBP regulations and customer needs followed by financial analysis, industry analysis, risk analysis & security analysis.

    • Managing the existing assigned asset portfolio.

    • CAD (Fulfilling Credit Administration Documents requirements as per Bank Policy and SBP PRs)

    • Daily monitoring of credit loans, credit transactions & principal / markup recovery

    • Timely submission of periodic statements

    Main Credit Facilities [I am well familier with]:-

    (CF-Hypo, CF-Pledge, FIM, FATR, FBP (Clean), FBP (Discr.), SLC, ULC, ILC, LG, Acceptance, Acceptance against Pledge of Imported Merchandise, FAPC, FAFP, ERF etc)

    Experience in Credit Administration

    • Completion of charge/ security documents of the existing as well as of new clients (including mortgage documents; pledge related documents; lien; charge creation etc) as per sanction arrangements.

    • Liasoning with SBP, External, internal auditors in order to ensure a smooth conduction of the audit.
  • Wealth Management Officer (Jun, 2008–May, 2009) at Bank Alfalfah Limited
    • Focusing on the analysis and satisfaction of Priority Customers financial as well as investment needs and objectives.

    • Compiling, calculating, analyzing & reporting data, with respect to the cost of deposit, pertaining to the whole area.

    • Conducting a comparative analysis of different Mutual Funds and Liability Products on periodic basis.

    • Coordinating the whole area, Liaisoning with branch managers in generation and compilation of data.

Education

  • Management Trainee Officers Program (Dec, 2007–Jun, 2008) from TDC, Bank Alfalah Limited
  • M. Com (Jun, 2005–Sep, 2007) from Hailey College of Commerce, Punjab University, Lahore

Fee details

    Rs18,000–40,000/hour (US$64.76–143.91/hour)

    Please contact for details

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