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خلاصہ
I have worked in various banks in Commercial Islamic Banking and Microfinancs Sector While in this field we have done Account Opening Customer Dealing Maintaining Customer Account Checking Customer Account Transactions Guiding the customer well about the product Launching Motivation and many other marketing tasks.
And motivating the team, motivating the people, marketing in government offices, schools,shop, homes and many more
تجربہ
Senior Finance Consultant
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Relationship Manager
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Team Management:
Leads & Monitors to team members to achieve the given targets, recover their clients & manage their portfolios.
Motivate & inspires the team by creating a positive environment that promote positive communication.
Encourages bonding of team members & demonstrate flexibility.
Pre Disbursement & Client Quality Verifications:
Scrutinize and verify information, documents, collateral and other detail regarding applicants as narrated in the loan proposals.
Ensure genuineness of loan requirement, business, applicant, guarantor and collateral to ensure that loan will be hijacked or misused.
Guide and support his team members in execution of day to day credit, recovery and default management procedures / practices.
Regularly access client’s repayment capacity (whether performing, nonperforming or written of loans) through re-analysis of loan status of current business, assets, collateral and activities of guarantors (replacement of guarantors) including social behavior.
Portfolio Analysis & Default Management:
Conduct portfolio quality review of his team, analyses past performance in terms of target achievements and loan losses, and propose workable proposals / solution for adoption.
Follow up on delinquent portfolio and ensure recovery benchmarks are achieved.
Coordinate with branch sales team to ensure that product wise default ceilings and recovery efficiencies are maintained as per annual bank strategies / benchmarks.
Review and provide feedback to line managers on portfolio quality performance of respective team.
Implementation of recovery j& default management strategies and action plan.
Create and share recovery & develop reports with concerned stakeholders.
Compliance & Reporting:
Ensure credit policies and guidelines are being adhered to by his entire team.
Provide periodic reports of team performance and action plane.
Ensure and share recovery & develop reports with concerned stakeholders.
Loan Officer
Working here this time searching clients from given area and disbursing them loans also fallow them and input clients data in office systems and also doing recovery from the clients and many more
