Responsible for establishing, monitoring & maintaining of SME relationships of portfolio of 34 designated branches of Multan, Bahawalpur, Sahiwal & D.G Khan.  Regional Focal person for SME to SBP Multan from JSBL , Multan, D.G Khan, Bahawalpur, Vehari, Khanewal, Rajanpur, Lodhran & Sahiwal, 
Evaluating the credit proposals (credit risk analysis, business/ industry/ market analysis, historical financial analysis, projected financial analysis etc.) 
Managing & controlling Diversified Credit Portfolio of Rs.5.00 Billion of 34 branches. 
Development of quality asset side portfolio, deposits and trade business.  Marketing and management of SME financing. 
Strengthening and deepening the relationship with existing clientele in consistency with identified target market & risk acceptance cñteria for assets products. 
To maintain profitability, quality and health of assigned assets portfolio with review of the portfolio. 
Ensured credit proposal recommendation after detailed financial analysis, industry analysis and marketchecking. 
Carry out financial analysis and credit risk assessment in oonformfly with Bank’s policy and SBP Prudential Regulations. 
Ensured appropriate levels of internal controls in the department in accordance with bank\'s credit policy & SBP regulations to manage the credit standards. 
Improved interdepartmental synergies for facilitating transactions between CAD, trade desk & customers.  Ensured that all annual reviews were prepared and submitted to RMG well before expiry and obtained extensions whenever was necessary. 
Completion of all Pre — Post sanction/disbursement formalities including execution of the charge/security/ legaldocument relating to assigned credit relationships. 
Maintaining close liaison with the branches for ensuring prompt and efficient services to the SME facilities parked in them. 
Ensuring prompt regularizaton of deferrals within the approved period.  Preparation and updating of prevailing Credit/Facility Policy Manual & Product Policy Manual with the other division of the bank. 
To facilitate different audit teams, RAR review and to prepare report to ensure compliance with the gaps and shortcoming highlighted by them.  Supervisory role for the proper operational management of the credit portfolio in consultation with the respective RM and Branch  

-  Analyze credit worthiness of corporate / commercial /SME accounts by reviewing internal and external information, including processing activity reports, credit bureau reports & financial statements etc. under guidance of Central Bank’s Regulations & Bank’s own policy.
-  Write detailed credit reviews and performs complex analysis, including analysis of cash flow, quality of assets and earnings working capital, potential liabilities and risks, and impact of credit review findings.
-  Revalidating financial spreads, Obligor Risks Rating Models and identifying and proposing appropriate credit package for corporate/commercial / SME entities in light of their financial standing, market prospects and working capital / funding requirements.
-  Finalize Credit Proposals from all concerned quarters within shortest possible time to maintain TAT.
-  Regular monitoring & compliance / follow ups of special approval terms (covenants) to mitigate risk under Dynamic Loan Monitoring Mechanism.
-  Conducting thorough review of valuation reports , search reports for the purpose of precise Collateral Cushion Analysis Regularly updates and ensure integrity of data entry in the MIS.

-  Responsible for credit Risk Management for SME & Commercial relationships of portfolio of designated branches.
- Evaluating the credit proposals ( credit risk analysis, business/ industry/ market analysis, historical financial analysis, projected financial analysis etc.)
-  Managing & controlling Diversified Credit Portfolio of the 3 branches.
-  Review and elevate the credit proposals keeping in view bank,s policies & regulations of regulations of regularity authorities.
-  Supervising timely preparation of credit proposals of fresh as well as existing customers by Credit Officers and elevating the same to higher authorities after thorough review.
-  Keep updated bank,s policies, procedures, SBP guidelines, Prudential Regulations, their dissemination to concerned staff and monitoring compliance.
-  Inspection of pledged / hypothecated stocks.
-  Visit to mortgaged / to be mortgaged properties and reporting any negative trends/ issues in collaterals.
-  Ensuring safe custody of security documents.
-  Grooming of Credit Officers.
-  Managing credit portfolio of branches smoothly.
-  Implementation of credit manual and credit policy.

-  Managed the financial and administrative matters of School (self-employed)
-   Ensured the smooth class room study of classes pre – COVID-19.
-  Ensured smooth coordination with parents of students during lock down.
   

Administrative and functional head of the branch, reporting directly to the Area Head.
Ensuring that the branch is run according to the policy guidelines laid down by the Area Office, Head Office, SBP and other regulatory agencies.
Submitting all the required reports, returns and statements to concerned AO/HO departments, SBP and other external agencies according to the prescribed time schedule.
Ensuring that prompt banking services of the highest standards are provided to all customers efficiently and that closes business contacts with customers maintained in order to facilitate business development.
 Effectively and efficiently marketing the banking services and products offered by the Bank in order to increase the extent of services and business and to ensuring that the defined business targets are met.
Managing & leading to achieve advances, trade, income and liability targets along with effective management of the credit portfolio while ensuring full compliance with operational risk management policies & procedures.
Achieving growth and hit sales targets by successfully managing the sales team.
Designing and implementing a strategic business plan that expands bank a customer base and ensure its strong presence.
Recruiting , objectives setting, coaching and performance monitoring of sales BDOs, BDMs / RMs.
Building and promoting strong, long-lasting customer relationships by partnering with them and understanding their needs.
 Presenting sales, revenue and expenses reports and realistic forecasts to the management team.
Supervising a diversified portfolio comprising fund based and non-fund based products at Vehari and  Burewala .
Review of Credit proposals before forwarding to higher authorities.
Marketing / Booking of Fresh Business Finance including funded & non funded facilities.
Monitoring health of Credit Portfolio and ensuring timely adjustments of principal as well as markup.
Financial Solutions & Remedial measure for infected portfolio.
 Making in depth financial analysis and identifying the changing trends of business with respect to economic conditions.
 To look after credit requirements of the branch including renewal, enhancements, evaluations, assessment and disbursement etc.
Obtaining DAC from RCAD.
Developing culture and ensuring implementation of full compliance of AML (Anti Money Laundering) and KYC (Know Your Customer) at all levels in branch
 Closed the loops on all IA and risk matters within branch within agreed upon time lines, develop, and implement strategies to prevent the same from being repeating.
Building and maintaining a culture aligned with bank’s values with highest level of transparency, integrity, and strong ethical base. Demonstrate zero tolerance on issues pertaining to values and ethics and take necessary and immediate action whenever required.
  Ensuring that cash supervision at the Branch is carried out, in accordance with Bank’s policy and regulatory requirements, in a safe and secure manner and that the vaults are adequately insured/protected against theft, robbery and damage.
 Ensuring that the records of the Branch, the customers’ security documents are properly maintained, documented and kept in safe custody.
Recovering all required regulatory/fiscal dues from customers promptly and paying over to the agencies concerned on time.
 The administration and discipline of the Branch and the personnel working therein and making recommendations for the promotion, increments, dismissal, transfers of the  personnels.
 The security, up keep and proper use of the fixed assets of the Bank in use at the Branch.
The preparation of the annual Branch Budget, based on Annual/future Business Plans, taking into account the possible requirements in terms of personnel, capital expenditures and revenue expenses, every year.
 Carrying out the ongoing responsibilities of training, grooming, coaching, counseling and mentoring of all his staff members and arranging formal in-house and out-sourced training,
Establishing adequate procedures for maintaining records and submission of requirement of all types of printed Bank stationery for use at the Branch and to keep proper stock of the unused stationery and forms.
Maintaining liaison with and facilitating the work of and providing all necessary information, explanations, documents and records to the State Bank of Pakistan, internal and external auditors.
Hit all the sales & revenue generation targets as per KPI. 
* Left bank by tendering resignation with 3 months prior notice in October 2019 with last working day 30th Jan 2020 for diversification of career towards school education services (self employed). Lock down / COVID -19 started from March 2020 disturbed all.   Now I’m committed to serve in my base profession of banking and finance permanently.

Worked against officiating Charge of  Area Head C -8 as Back Up arrangement during Privilege leave / leave of Area Head from time to time  as Officiating Area Head.

Administrative and functional head of the branch, reporting directly to the Area Head.
Ensuring that the branch is run according to the policy guidelines laid down by the Area Office, Head Office, SBP and other regulatory agencies.
Submitting all the required reports, returns and statements to concerned AO/HO departments, SBP and other external agencies according to the prescribed time schedule.
Ensuring that prompt banking services of the highest standards are provided to all customers efficiently and that closes business contacts with customers maintained in order to facilitate business development.
 Effectively and efficiently marketing the banking services and products offered by the Bank in order to increase the extent of services and business and to ensuring that the defined business targets are met.
Managing & leading to achieve advances, trade, income and liability targets along with effective management of the credit portfolio while ensuring full compliance with operational risk management policies & procedures.
Achieving growth and hit sales targets by successfully managing the sales team.
Designing and implementing a strategic business plan that expands bank a customer base and ensure its strong presence.
Recruiting , objectives setting, coaching and performance monitoring of sales BDOs, BDMs / RMs.
Building and promoting strong, long-lasting customer relationships by partnering with them and understanding their needs.
 Presenting sales, revenue and expenses reports and realistic forecasts to the management team.
Supervising a diversified portfolio comprising fund based and non-fund based products at Vehari and  Burewala .
Review of Credit proposals before forwarding to higher authorities.
Marketing / Booking of Fresh Business Finance including funded & non funded facilities.
Monitoring health of Credit Portfolio and ensuring timely adjustments of principal as well as markup.
Financial Solutions & Remedial measure for infected portfolio.
 Making in depth financial analysis and identifying the changing trends of business with respect to economic conditions.
 To look after credit requirements of the branch including renewal, enhancements, evaluations, assessment and disbursement etc.
Obtaining DAC from RCAD.
Developing culture and ensuring implementation of full compliance of AML (Anti Money Laundering) and KYC (Know Your Customer) at all levels in branch
 Closed the loops on all IA and risk matters within branch within agreed upon time lines, develop, and implement strategies to prevent the same from being repeating.
Building and maintaining a culture aligned with bank’s values with highest level of transparency, integrity, and strong ethical base. Demonstrate zero tolerance on issues pertaining to values and ethics and take necessary and immediate action whenever required.
  Ensuring that cash supervision at the Branch is carried out, in accordance with Bank’s policy and regulatory requirements, in a safe and secure manner and that the vaults are adequately insured/protected against theft, robbery and damage.
 Ensuring that the records of the Branch, the customers’ security documents are properly maintained, documented and kept in safe custody.
Recovering all required regulatory/fiscal dues from customers promptly and paying over to the agencies concerned on time.
 The administration and discipline of the Branch and the personnel working therein and making recommendations for the promotion, increments, dismissal, transfers of the  personnels.
 The security, up keep and proper use of the fixed assets of the Bank in use at the Branch.
The preparation of the annual Branch Budget, based on Annual/future Business Plans, taking into account the possible requirements in terms of personnel, capital expenditures and revenue expenses, every year.
 Carrying out the ongoing responsibilities of training, grooming, coaching, counseling and mentoring of all his staff members and arranging formal in-house and out-sourced training,
Establishing adequate procedures for maintaining records and submission of requirement of all types of printed Bank stationery for use at the Branch and to keep proper stock of the unused stationery and forms.
Maintaining liaison with and facilitating the work of and providing all necessary information, explanations, documents and records to the State Bank of Pakistan, internal and external auditors.
Hit all the sales & revenue generation targets as per KPI. 
* Left bank by tendering resignation with 3 months prior notice in October 2019 with last working day 30th Jan 2020 for diversification of career towards school education services (self employed). Lock down / COVID -19 started from March 2020 disturbed all.   Now I’m committed to serve in my base profession of banking and finance permanently.

Worked against officiating Charge of  Area Head C -8 as Back Up arrangement during Privilege leave / leave of Area Head from time to time  as Officiating Area Head.

Responsibilities: 
❑ Responsible for establishing, monitoring & maintaining of SME & Commercial relationships of portfolio of designated branches. ❑ Evaluating the credit proposals (credit risk analysis, business/ industry/ market analysis, historical financial analysis, projected financial analysis etc.) ❑ Managing & controlling Diversified Credit Portfolio of the 3 branches. ❑ Review and elevate the credit proposals keeping in view bank’s policies & regulations of regulations of regularity authorities. ❑ Managing existing relationships as well as establishing new potential relationships as per bank’s policy. ❑ Preparation of fresh and renewal credit proposals of existing and new clients. 
❑ Supervising timely preparation of credit proposals of fresh as well as existing customers by Credit Officers and elevating the same to higher authorities after thorough review. ❑ Keep updated bank,s policies, procedures, SBP guidelines, Prudential Regulations, their dissemination to concerned staff and monitoring compliance. ❑ Inspection of pledged / hypothecated stocks. ❑ Visit to mortgaged / to be mortgaged properties and reporting any negative trends/ issues in collaterals. ❑ Ensuring safe custody of security documents. ❑ Grooming of Credit Officers. ❑ Managing credit portfolio of branches smoothly. ❑ Implementation of credit manual and credit policy 

Handling a diversified portfolio comprising fund based and non-fund based products.


Managed to achieve advances, trade, income and liability targets along with effective management of the credit portfolio while ensuring full compliance with operational risk management policies & procedures.



Strengthening and deepening the relationship with existing targeted clientele and developing new client relationships.



Marketing and sale of relative banking product and the achievement of all the allocated business targets as mentioned in the KPI.



Providing financial advice to existing and prospective clients and selling appropriate bank products and services to the existing and prospective clients.



Preparation and Processing of credit proposals/ renewals relating to assigned relationships in conformity with SBP’s Prudential Regulations and the guidelines provided by HO from time to time.



Carrying out financial analysis and credit risk assessment in conformity with Bank’s policy and SBP Prudential Regulations.



dentification of deteriorating credit situations and taking corrective steps in a timely manner.



Participation in the Target Marketing identification to maximize the bank’s business.



ompletion of all Pre – Post sanction/disbursement formalities including execution of the charge/security/ legal documents relating to assigned credit relationships.


Obtaining “DAC’ from RCAD.

 Handling F.C Accounts and SBP Monthly Returns.
 Establishment & retirement of ULC/SLC/ILC & Registration of Contracts etc.
 Established very 1st ULC (import) / ILC / SLC / Contract at very 1st bank in Vehari in 2005 & did the trade business (import of approx.250 M annually).
 Handling all type of import payments including ULCs / SLCs / IDCs / Contracts etc.
Handling issuance of LGs & LBD transactions.
Trained the branch staff of various departments i.e. Accounts, operations & credit administration also supported Manager Operations of Branch in his duties.

To look after the portfolio of Rs. 450 M comprising funded and non-funded facilities.
Forwarding of credit proposals relating to general advances, fund based and non-fund based Commercial &SME Clients.
Completion of all pre-post sanction/disbursement formalities.
To look after credit requirements of the branches including renewal, enhancements, evaluations, assessment and disbursement etc.
Preparation of all periodic statements and reports for Area Office, Regional Office and Head Office relating to advances.
To coordinate with audit team for review of credit files, audit rectifications/compliance and reporting thereof.
Timely recovery of mark-ups and principals to ensure quality of portfolio.
To market prospective clients of the area for growth of portfolio in line with bank’s policy.
Back up of Branch Manager.
Substitute Custodian of Part – A & Attorney Holder (B).
Supervision of agricultural finance department.
Security Documentation
Recovery of Mark up
Completion of Legal &Equitable Mortgage formalities
Monitoring of stocks (Hypo/Pledge).
Audit & Compliance
Joint Custodian of all charge / security documents of all loans and advances.

Preparation of all type of credit proposals.
Periodically reporting to higher offices / H.O.
Mark up recovery
Preparation of legal / charge documents after approval of credit facility.
Compliance of annual / surprise inspection of the branch and preparation of compliance report to submit the H.O.
Preparation of legal / charge documents after approval of credit facilities.
Compliance, Credit and portfolio Management.
Submission of monthly, quarterly, half yearly and yearly reports to H.O. as well as to SBP.
Compliance of regular as well as surprise audit reports.
Classification, provisioning of non-performing loans as per prudential regulations.
Has experience of all branch functions i.e. account opening, remittances, clearing/ collection, submission of periodic reports and branch correspondence with higher offices.