Working as Credit Hub Manager at Meezan Bank Limited.

Hub Manager's responsibility is to supervise/perform marketing & business development activities to achieve allocated targets. They should be able to conduct in depth analysis of: financial & market position, security/collateral, technical capability of the borrower and calculation of risk rating, as and when required. Hub Managers increase and maintain credit portfolio and identify customer’s credit worth. They are responsible for processing of Credit Proposals to ascertain the Risk element associated with financing, calculation of Working Capital Requirements on the basis of financials, account behavior and production capacity. Hub Managers ensure that the credit/ lending functions are managed in line with the Bank’s laid down credit policies & procedures and is in compliance with all regulatory requirements.

They analyze industry / business segment and closely monitor industry trends & economic changes effecting clients’ position & pass on information to the team members and keep the line manager informed / abreast of such developments.

They maintained close liaison between hub teams & CAD with respect to maintenance of record & documents, allowance/alteration of allowed limits.