Allied bank Ltd Bank has implemented Green Banking Guidelines issued by the State Bank of Pakistan (SBP) in 2017. Further, the Bank is resolute to fully comply ‘Environmental and Social Risk Management (ESRM) Implementation Manual’ Issued by SBP in November 2022 aiming to reduce the overall environmental and climatic impacts through environmental due diligence and risk management prior to financing as well as for sustainable development.

The bank\'s environmental & social risk review includes a baseline review of environmental & social risk associated with the obligor\'s activities, control measures in place, gap analysis, and proposals for improvement measures in order to contribute to sustainable development.
To comply with all banking laws, rules, regulations, and prescribed policies/ procedures necessary to reduce Environmental and social risks.
Draft and implementation of policy and procedure as per Green Banking guidelines 2017and ESRM manual issued by State Bank in 2022.
Review and analyze all the new transactions as per ESRM manual.
Environmental and social due diligence alongwith risk rating of the bank’s portfolio.
Preparation and implementation of own impact reduction strategies for carbon offsetting such as paperless banking, water conservation techniques, waste handling, solar power buildings/branches and less reliance on the petroleum products.
 Develop and analyze the energy efficiency strategies and path to Net Zero goals which help us to reduce the overall bank energy consumption to 15%.
 Supporting the development of appropriate and cost effective ESG (Environmental, Social and Governance) compliance goals.
Review and analyzing ESG/Sustainability Plans as per project requirement.
Development and implementation of Green business facilitation policy and strategy.
Green product development.
Conduct project monitoring visits of renewable energy, water conservation and effluent treatment projects etc.
Identify different types of hazardous waste (Air, Water, and Solid waste) associated to the manufacturing facility during their process or production and suggest mitigation techniques for reducing these hazardous waste as per NEQS.
Collect & consolidate data/information on green banking operations/initiatives for its onward reporting to the senior management/board & SBP, as & when such data/information is sought.
Provided quarterly/required data/details to SBP and also reporting as per their latest format.

ABL has a Technical Appraisal Group, which has a unique position in the Banking Industry of Pakistan which is comprised of Industry Experts/Engineers of various fields including Environmental Engineers. The team regularly visits the obligors’ plants in the Bank’s portfolio to assess their environmental and social risks.
I have mainly worked in the Power (Wind, Hydel, Solar & Thermal), oil, gas, and cement sectors.

Review all the commercial contractual documents such as Letter of intent, Technical Feasibility Report, Environmental impact assessment, Environmental and Social Management and Monitoring Plan (ESMMP), Financial Models, EPC contracts, O& M (Operation & Maintenance) Contracts, etc.
 Thoroughly monitor and inspect the technical and operational activities of projects during the plant visits, which are being carried out all over the Pakistan.
 Draft a report that includes different analysis of all the plant operations, its potential risks, environmental risks, and their mitigating factors for the review of senior management and to support the higher-ups in decision making.
Valuate and estimate the cost of different energy-projects.
Conducting a technology analysis of different industry/sector consist of their machine specification, plant performance, Capacity utilization, Quality control system, Environmental Risk assessment and any other specific technical areas.
Periodically carry out industry/sector analysis, keeping in view the technological innovations, new trends, techniques, methods, tools and equipment.
To provide effective support in credit approval procedure by technically evaluating the credit applications .This would involve identifying technical risks and corroborating the technical assessment with financial performance of the company.

worked in the Operations, Maintenance, and Metering departments at distinct periods. My job responsibilities were as follows: Supervision/Monitoring of consultants and contractors during the planning and design for construction, installation, and commissioning of new TBS (Town border stations) and mainline i.e., 6\'\' of gas to the societies. Experience in the construction, installation, and commissioning of TBS and mainline to different societies. I also have construction supervision of civil works at site experience regarding check and balance of material quality, material quantity, and provision of required machinery at site, skilled workforce management, and professional handling of every task by meeting stringent timelines. Operation and maintenance of different projects of SNGPL i.e., TBS, new gas lines. Finalization of consultants\' contracts, TORs, and deliverable timelines. Evaluation of consultant progress and process their invoices in view of the contract and its timelines. Technical Evaluation of proposals submitted by contractors. Conducted progress review meetings with Consultants, took minutes, and follow up for the vast lists for priority areas. Performed data collection, data analysis, and data interpretation to support project evaluation. Performed monthly reports on assigned projects and programs to assist with evaluation procedures. Establishment of Key Performance Indicators (KPI) with consultants of EMC’s in order to evaluate the progress of work on a routine basis. To control safety hazards and pollution risk to the environment due to solid/liquid waste disposal during the project.