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Providing Financial Advisory and Consultancy services for Feasibility Studies, Credit Apraisals, Financial Statements and Taxation related matters. 

Achievements:
 Effectively managed overall budget by ensuring efficient resource planning and utilization which resulted into a significant cost cutting.
 Provided constant support to Regional Director and Program/Operations sectors for improvement in processes and procedures in order to ensure high level of transparency and financial compliance.
 Introduced new initiatives for program monitoring and financial controls in order to avoid risks and compliance issues.
 Preparation of quality Financial Reports and submission within stipulated timelines with zero observations and disallowances.
 Effective implementation of financial policies and procedures, evident from clean internal and external audit reports.
 Training & capacity building of local/national finance staff and succession planning.
Areas: Financial Planning and budgeting; Financial management and operations; Financial reviews and monitoring; Financial Compliance and Reporting; Grant management; Assets and cash management, Staff Planning, training and capacity building.
Below is the detail of duties and responsibilities:
 Setting up financial systems, recruitment and training of finance staff
 Ensure accuracy of financial data and submission to National Program Office on monthly basis
 Preparation of budgets for donor proposals
 Preparation and compilation of consolidated annual budget for the region
 Ensure adherence to Finance SOPs and Procurement Policy
 Manage payments to vendors/contractors as per standard procedures
 Effective participation in the procurement processes and support Admin/Logistic
 Effective participation in Infrastructure projects bidding, evaluation and selection
 Management of Project Payments, Advances, Guarantees, Accruals, and Retentions
 Payroll management and ensure staff charging as per budgetary allocations
 Ensure that expenses incurred are in accordance with the approved budgets
 Ensure all expenses approved have accurate and authentic supporting documents
 Ensure all expenses approvals are in compliance with regional Authority Matrix
 Inventory control, record keeping and management of inventory and assets
 Monitor fixed assets movement in the region
 Periodic physical stock taking of assets, inventory, and store items
 Cash flow management and forecasting, reporting of possible gaps for timely measures
 Prepare periodic cash requests for National Office and for donors
 Prepare periodic budgets/fund utilization reports for regional management
 Prepare financial reports for the donor in line with grant agreement requirement
 Ensure accuracy of periodic donor reports and timely submission
 Ensure compliance with the accounting and auditing requirements
 Ensure compliance with the donor grant agreement requirements
 Support and advise Regional Director and HR in matters relating to Staff planning
 Support Sector Heads for preparation of Yearly Plan of Operations (YPOs)
 Ensure YPOs are updated for budgetary adjustments/revisions and new grants
 Ensure program related expenditures are in accordance with the approved YPOs
 Periodic tracking of YPO implementation
 Performance evaluation of Finance staff, staff planning, training and capacity building
 Ensure efficient cash management and safe cash handling
 Verify accuracy of records and reports received from sub offices
 Monitoring of Advances to staff against salary/expenses and ensure timely recovery
 Support NPO for Annual accounts closing and annual closure of books of accounts
 Preparation of Annual accounts schedules and reconciliations
 Coordination with Internal/external auditors for annual or grant audits
 Preparation and compilation of necessary information for audits
 Resolution of audit observations and follow up on timely closure of audit file

Achievements:
 Successfully managed diversified credit portfolios of various branches consisting of SMEs, Commercial, Agriculture and Consumer advances and achieved assigned targets of Advances, LGs, Import/Export, Banca and deposits
 Successfully handled large credit portfolios with zero default
 Lodged and rigorously followed up on Insurance claim for compensation of loss due to sinking of ill-fated vessel “MV Atlantic Confidence” carrying imported merchandise of my client. After consistent efforts and constant follow up, total outstanding liability was settled through realization of insurance claim.
 Recovered old classified accounts, negotiated and processed settlement arrangements
Below is the detail of key duties and responsibilities:
 Prepare comprehensive credit appraisal for approval from credit committees.
 Financial Analysis and Financial spread, Security Analysis, Market and Industry Analysis
 Ensure compliance of SBP prudential regulations and bank’s credit policy
 Coordinate with Internal & External Auditors and rectification of audit observations
 Risk Analysis and calculation of Risk Rating of the borrowers to assign risk/reward profile and to mitigate the risks
 Evaluate credit worthiness of clients from eCIB reports, Market checking, Search Reports, Confidential Opinions from other bankers and Trade Associations.
 Conduct visits and liaison with evaluators for the evaluation of Properties / Stocks
 Liaison with legal counsels for vetting, legal opinions and security perfection
 Post approval documentation, perfection of security / support
 Disbursement of facilities and post disbursement relationship management
 Evaluate and approve / recommend credit proposals
 Conduct personal visits for evaluation of financial standing and social reputation of the borrowers and to ascertain the value of the collateral
 Monitor recovery of installments / mark up and close liaison with Credit Officers
 Reporting, maintenance and updating of eCIB data for submission to SBP
 Report Branch Credit Portfolio to superior offices on periodical basis
 Book keeping and posting of financial transactions

 Process Credit Proposals and conducting thorough analysis of financing standing, market reputation and credit worthiness of the customers
 Conduct Industry Analysis for corporate cases
 Liaison with peer banks and leasing companies for Consortium Financing and Syndicated Arrangements for larger exposures
 Liaison with legal counsel for vetting of charge documents, legal opinions and perfection of security / support.
 Disbursement of sanctioned limits and post disbursement Relationship Management

Areas: Financial Planning and budgeting; Financial management and operation; Financial reviews and monitoring; and Financial Compliance and Reporting. Specific tasks performed in above-mentioned areas are:
 Monitor resource utilization as per approved budgets
 Check expenses for appropriate supporting documentation
 Check accuracy of monthly financial data and timely submission to head office
 Verify accuracy of records and reports received from fields
 Monitor fixed assets movement in the region
 Inventory control and management
 Prepare monthly cash forecast for submission to the head office
 Prepare monthly expense report for regional management
 Ensure compliance with the accounting and auditing requirements
 Ensure compliance with the donor grant agreements requirements
 Support budget preparation and provide inputs for regional annual budgets
 Ensure efficient cash management and safe cash handling
 Reconciliation of cash / bank balances and suspense accounts
 Manage procurements, vendor payments, payroll
 Data entry, book-keeping and preparation of financial statements
 Coordinate with internal / external audit, review missions from head office