Over all management and development of business of the branch by marketing UMBL product and services Plan,Manage and execute a strategy to achieve target deposit,lending and non-fund based income.Responsible for the overall profitability monitoring of the branch and service operations.Enhance the branch business by increasing number of profitable accounts/ relationships and increase revenue & profit.Ensure a high level of customer service.Ensure compliance to internal policies and procedures.Evaluation/interview of potential customers and assessing their feasibility of becoming an account holder of the bank.Ensure adherence to KYC and Anti Money Laundering guidelines while initating and reviewing customer relationships.

divpTo manage and develop the business of branch by the marketing Mobilink Bank product and services./p
pDevelopment of sales plans through market assessment based on potential and its implementation./p
pMarketing of bank products and preparation of sales strategy considering assigned targets and market demands./p
pResponsible for guiding and monitoring the team of Relationship Officers for attainment of business growth/ volume of consumer lending within specified time frame on a continuous basis./p
pResponsible for selection and training of Relationship Officers to ensure that they are highly productive in his/her individual capacity. Each of the relationship officers should be trained to correctly assess and verify the customer’s income/demographics with the view to establish customer’s need and credibility for the proposed loan./p
pTo conduct morning hurdles with the sales team to plan/execute the sales strategy, discuss the potential customer pipeline and facilitate achievement of daily targets./p
pTo monitor daily/weekly/monthly sales to track performance of each Relationship Officer and report on all related sales activities to Supervisor or review and feedback. Ensure daily/monthly meeting of team members for performance review and achievement of assigned targets./p
pLead the team effectively in order to ensure the achievement of profitability objectives/targets and sale of products while adhering to MMBL policies and SBP regulations./p/div

Promote all IGI life vitality’s products.
Develop marketing strategies to complete with other individuals or companies who sell insurance.
Seek out new clients and develop clientele by networking and references to find new customers and generate lists of positive clients.
Interview prospect clients to obtain data about their financial resources and needs, the condition of the person to be insured, and to discuss any existing coverage.
Maintaining a team of around 10 individuals including the AFS, MFS and Team Managers to ensure functional effectiveness of business.
Sell various types of insurance policies to business and individuals.

divpTo manage and develop the business of branch by the marketing Advans Bank product and service./p
pTo ensure the credit compliance enlighten with credit policy assigned by bank./p
pExecute the strategy to achieve the deserving financial results, quality of service and customer centric along with Branch Manager./p
pConduct the management visit before sanction loan on applicant business to ensure the compliance and policy provide by Head Office./p
pPerforming role of LCM for the loan sanction decision after the thoroughly review of complet loan file./p
pConduct prospection regarding deposit and advance with collaboration of entire business and operations team./p
pResponsible to ensure the service of operations and monitoring of compliance as well as profitability of business unit./p
pOverall achieve in aduit/ compliance with the team efforts. Ensure to all the operational staff is aware about the internal and external regulatory framework./p
pOverall responsible to enhance the liability portfolio and also retain the credit portfolio for the branch and bank\'s favor. Responsible to maintain the healthy environment in the favor of employee and customer./p
pTo ensure the month end all rejected files close in system and handed over the operation team. Field monitoring and management visits in field./p
pLook after all the sale maters and operational task. Check all loans approved respecting KYC. All loans approved respect the credit policy and fitted the need,repayment capacity situation of client./p
pAll loans approved respecting eligibility criteria and required documentation. All management visits are documented./p
pMonitoring the Client Risk Financial Risk On field Coaching Prospection Application Appraisals Risk Identification Mitigation of Risk Cross Checking./p/div

Responsible for the supervision of a group of the CROs the professional development and the achievement of strategic and operational goals of team.
Manage the credit activities of the branch and the CROs in charge of quality loan portfolio development.
Daily morning meeting discussion on daily plan, follow up on prospected clients, file preparation and PAR monitoring.
Implementation of prospection plan and target assignment.
Field monitoring and PAR monitoring. Appraisal preparation and file checking initial documents ( ECIB, Verisys,Utility bills and sales purchase record.
Monitor the team portfolio,field visits with CROs before and after loan disbrusment.

To organize prospecting and communication actions in the zone of intervention( markets and commerical areas) by collaborating with the other CRO and CSO.
To identify clients\' needs and propose new products/services to the management.
To assist the clients for loan application . To conduct loan apprasisal and to collect detailed information ( personal, business, gauranties) on the field.
To present the loan request at the loan committee.
To monitor the loan portfolio and to ensure timely repayment. .To organize recovery actions incase of late repayment.
To maintain a regular contact with clients by organizing visits on the field.
To become a respected and active stakeholder in the intervention zone by spending most of the time on the field and creating a trusty relationship with small businessmen/women.
To keep complete and detailed documentation on each client.
To prepare a weekly planning with expected tasks and visit to be done.
To share information and best practices with staff. . To report all the issues related to the job to immediate supervisor.
To analyse the client portfolio by using operational reports.

Analyze applicant\'s financial status, credit and property evaluation to determine feasibility of granting loans.
Obtain and compile copies of loan applicant\'s credit histories, corporate financial statement, and other financial information.
Review loan agreement to ensure that they are complete and accurate according to policy.
Keep relation with small Enterprises.
Frequent field visits. . portfolio management and public relation.
Customer service and target achievement.
Maintain branch accounts.