Business banking

تاریخ : دسمبر ۲۰۱۵ - موجودہ

Ø  Responsible for the direction, coordination and evaluation of micro credit business.Ø  Lead the branch effectively in order to ensure the achievement of profitability objectives and sale of asset products while adhering to MMBL policies and SBP regulations.Ø  Develop the relationship strategy for the assigned branch/area of responsibility with due focus on the verification, loans disbursement, collection and cross-sell.Ø  Manage the relationship process of the branch and help to achieve the objectives through timely sales, verification and collection.Ø  Build and retain the highest level of motivation in the team to achieve maximum business volumes and employee retention.Ø  Provide the leadership to relationship officer so they are highly productive in his/her individual capacity. Each of the relationship officer should be trained and assisted to assume his/her position as a first level of credit review that can correctly assess and verify the customer’s income/demographics with the view to establish customer’s need and credibility for the proposed loan.Ø  Undertake capacity planning to meet the assigned tangible objectives of loan volumes and zero default through effective and timely verification, collection and cross sell.Ø  Organize and deploy resources to match the business priorities in the branch and take the best return from each team member in terms of the assigned objectives.Ø  Co-ordinates with operations department to ensure the timely disbursals of loans while retaining the integrity of the process and documents.Ø  Take ownership of collection in the branch and ensure zero portfolios at risk (PAR) and zero loss.Ø  Seek opportunities to support and build the branch base in deposits through active solicitation of existing relationship customers.Ø  To effectively manage the portfolio, maintain MIS reports for verification, loan disbursement and collections.Ø  Support branch service through positive relationship with customers and