Asad Sajjad Qureshi

Results-oriented credit and finance professional with 10+ years of banking experience supporting the end-to-end credit administration process, from pre-disbursement through post-completion, ensuring compliance with internal policies and regulatory requirements. Skilled in real estate-backed lending, SME working capital, trade finance, and Islamic finance, with strong stakeholder coordination and risk management capabilities in three global banks, complemented by an MSc finance and investment-distinction from Birmingham city university, UK. With a strong analytical mindset, excels in data analysis and reporting to support informed and strategic decision-making.

Demonstrated ability to work with cross-functional teams and collaborate effectively with diverse stakeholders. Proficient in industry-standard credit management tools including Temenos T24, Loan IQ, Bank Smart & Advanced Excel. Committed to sustainable practices and continuous professional development.

Manager – Credit Administration at Bank AL Habib Ltd (2021-01 – 2024-12)

Managed large credit portfolio across corporate, commercial, and SME clients. Led credit centralization, digital credit transformation, and credit module development as domain expert.

• Managed £336 Million portfolio across corporate, commercial, and SME clients with strong credit governance and compliance
• Reviewed executed loan documentation, security perfection and then issuance of disbursement authorization certificates in align with approved credit terms, legal requirements, policies and procedures
• Drafting credit documentation, including term sheets, facility letters, addendums, borrower consents, loan agreements, charge documents, collateral documents and related documentation following credit approval
• Highlighting credit risks on case-to-case bases to credit risk committee
• Manage credit communication with internal and external departments and regularly review any client specific requirements
• Demonstrate teamwork by maintaining a professional attitude, proactively assisting coworkers, as well as with special projects, and working overtime, when necessary, to meet client deadlines

Assistant Manager–Credit Administration at Bank AL Habib Ltd (2016-01 – 2020-12)

Led credit operations centralization and digital transformation initiatives. Managed credit domain expertise for module enhancement and banking system migrations.

• Process loan disbursements, settlements and accurately book loan limits and collateral within internal banking systems
• Responsible for preparing and analyzing credit reports relating to credit portfolio of all entities and maintain accurate, complete credit files and audit trails
• Liaison with solicitors, valuators including appointment, fee quotes and payments
• To assist renewal, extension and enhancement of facilities with the view of credit applications
• Centralize credit operations and security documentation of 76 Islamic branches into new hubs, improving efficiency and risk control

Assistant Manager Credit Administration at Bank Alfalah Limited (2014-01 – 2016-12)

Administered large credit portfolio across corporate and commercial clients. Served as T-24 credit domain expert for module enhancement and managed syndication loans.

• Administered credit portfolio of £238 Million portfolio across corporate and commercial clients
• Successfully navigated disbursement and settlement of short term and long-term financing along with limit Monitoring
• Ensure that credit approval is properly reflected in the facility documentation and that it follows the credit policies as amended from time to time
• Responsible for issuance of disbursement authorization certificate
• Drafted and validated loan and security documentation in line with credit committee decisions

Senior Officer Credit Administration at Meezan Bank Limited (2010-01 – 2014-12)

Championed credit system migration from Meezan bank smart to T-24 (Temenos). Led digital credit products transformation for Islamic finance products.

• Championed in drafting of loan documents and submission front office for execution with client
• Executed financing disbursements and settlements for corporate/commercial clients
• Preparation of month end report for onward submission to head office
• Responsible for balancing of account and different G/L heads on daily/monthly basis
• Maintained daily/monthly reconciliation of GL accounts and portfolio monitoring

MSc in Finance and Investment – Birmingham City University (2025-01 – 2026-01)

Master's in Business Finance & IT – University of the Punjab (2007-10 – 2010-07)