Key Achievement:
 Developed the post disbursement visit report format that includes maximum information for assessing Proper Utilization of Loans.
 Established the Proforma/Template For Calculation Financial Position (SE’s/Start-Up’s)
 TAT is improved from 7 days to 2 days, while processing SME cases.
 Before 7 days deadline all the MIS submitted to SBP.
Job Responsibilities includes:
Assessment of Credit Proposal:
 Credit analysis of loan proposals received from Regional Business Offices for approval including evaluation of credit risk, financial risk assessment, security evaluation (adequacy and enforceability). To entertain any other request related to approve cases such as release of securities, change in mark up rate, change in security etc.
 Evaluation of customer’s business risks.
 Financial health Risk Analysis of the Borrower’s business.
 Keeping knowledge of key issues up-to-date and making recommendations about procedure/ SOPs /policy changes /Product Development.
 To analyze loan proposals received under CGS scheme according to the laid-down guidelines
 Proposing any covenants/conditions/documentations, principles etc of the SME proposal to mitigate risks
Analysis/Monitoring of MIS
 To maintain MIS of cases, approved or rejected at Regional / Head Office level
 To maintain track record of cases received at Credit Division
 Perform portfolio monitoring as per PRs on quarterly basis
 Maintaining risk rating Migration Sheet on quarterly basis
 Quarterly monitoring of Approval under discretionary power of RCC
 Monitoring of Credit Log (TAT sheet) at Credit Division.

Responsibilities includes:
 Income Estimation: Assessing the income of the applicant/businessman and identifying the risk in future perspective.
 Business Information Report: To investigate the businesses legal status and gather maximum information including financial and operational details.
 Analyse and examine the financial data.
 Coordination with clients and supervising associates.