Telephone: 00-97150-3266891

00-9712-6111686
00-9712-6266140
ASIF KHAYYAM E-mail: asif_khayyam@yahoo.com

OBJECTIVE: To achieve a challenging position in a reputable organization where my qualification and expertise
be beneficial for the profitability and growth of the organization

ACADEMIC QUALIFICATION:
• Masters in Business Administration with majors in Finance from Institute of Business Administration,
Karachi, Pakistan.
• Bachelors in Business Administration from Institute of Business Administration, Karachi, Pakistan.
• Intermediate in Commerce from Govt. Premier College, Karachi, Pakistan.
• Matriculation in Science from St. George’s Secondary School, Karachi, Pakistan.

WORKING EXPERIENCE
Senior Relationship Officer – Small & Medium Enterprises Team
National Bank of Abu Dhabi, United Arab Emirates – Corporate Banking Group
March 2006– Till date
• Responsible for assessment of bank’s risk appetite on selected portfolio comprising of SME clientele,
carrying out credit analysis, risk management & analysis, preparation of credit proposals, operational
supervision, business development and exclusive management of assigned accounts.
• Managing a diversified portfolio of more than AED 100 million, consisting of Corporate SME clients.
• Structuring transactions to meet client’s objectives, market standards and bank’s credit/lending criteria
(economic profits / economic capital / expected loss / RAROC).
• Responsible for appraising and carrying out independent analysis on proposals received from branches
falling under SME credit policy.
• Continuous follow up with the branches for completion of operational formalities post approval.
• Devised, improvised and implemented various new MIS for the newly developed SME team to monitor the
performance and regular follow ups.
• Fully versed with the NBAD Credit policy manual and NBAD SME credit policy manual.

Credit Officer – Credit Control Unit

Union National Bank, United Arab Emirates – Credit Administration Division
June 2004 – February 2006
• Responsible for complete credit line monitoring of the Corporate/Commercial Portfolio – Approx. AED 30
billion with more than 2000 customers.
• Responsible for Project financing, monitoring and progress payment discounting.
• Various report preparation and exceptions reporting to the Country Head Credit Administration.
• Fully versed with the Union National Bank Instruction Manual, Process manual of Credit administration
and Contracting Finance manual.
• Received an spot award for preparing an excel based monitoring system for Project progress and PPC
discounting by way of which monthly overdue PPCs payments and progress of the projects are being
monitored

Senior Officer
ABN AMRO Bank, Pakistan – Credit Risk Office
March 2003 – May 2004
• Preparation of appraisals based on independent analysis on corporate proposals.
• Preparation of market review, market risk and industry trends of each proposal.
• Analysis of facility structure, utilization history of Corporate Banking customers.
• Credit Risk Analysis of proposals received at Risk Office.
 Senior Officer
ABN AMRO Bank, Pakistan – Credit Risk Office – Credit Administration Division
August 2002 – March 2003
• Responsible for complete credit line monitoring of the Corporate Portfolio – approximate size PKR 20 billion
• Working experience of various automated accounting systems of the bank, while responsible for complete
updating and monitoring of the corporate portfolio in the system.
• Various report preparation and exceptions reporting to the Country Head Credit Administration.
• Fully versed with the ABN AMRO Instruction Manual along with the Process manual of Credit
administration.

Credit Documentation Officer

Standard Chartered Bank, Pakistan – Credit Operations
June 2001 – August 2002
• Responsible for documentation preparation and monitoring of securities of the corporate portfolio.
• Identification and monitoring of the exceptions in the security documents and corresponding with the
customer for the rectification of those exceptions and deficiencies.
• Maintenance of various database such as Lending against deposits , Govt. securities, USDBs, Stocks &
Book debts, Fixed Assets, required by the department and the credit documentation team.
• Been involved in the development of required MIS of the credit operations as well as credit documentation
team.
• Worked with credit administration team for various assignments while merger was taking place.

INTERNSHIPS
20th February 2001 - 25th May 2001
• Internship at Standard Chartered Grindlays Bank, Credit Operations Department, during MBA

10th June 1998 - 31st July 1998

• Internship at Lakson Tobacco Company, during BBA

COMPUTER LITERACY
• MS – Office • Windows Based Software
• Internet/Email/Lotus • Worked under the LAN/WAN working environment
Notes

PERSONAL INFORMATION
Father’s Name : Muhammad Abul Khayyam
Date of Birth : 29th June 1978
Driving License : Hold a valid UAE Driving License

REFERENCES:
Can be furnished, if required.