 Review and keep track of company’s receivable balances related to wholesale business.
 Ensure that approval, implementation & revision of credit limits are in accordance with credit guidelines.
 Reconcile key dealers’ payments in system with Wholesale operations’ & bank’s statements.
 Perform third party Dealer’s Receivable balance circularization and confirmation.
 Assist in the Implementation of Microsoft Dynamics AX & ensure timely generation of miscellaneous reports for analysis.
 Ensure the alignment of the wholesale process with Microsoft dynamics ax through elimination of gaps between the existing business process and the post-implementation (Microsoft dynamics ax) process.
 Conduct regular follow up on bad debts and on Wholesale credit.
 Obtain explanations from dealers who have not made the agreed payments.
 Monitor dealer wise aging of Wholesale credits.
 Reconcile Wholesale revenue and credit notes regularly
 Improve the Control Framework in the Wholesale Business Process.

 Review of credit proposal, approval and supporting documents & assessment of facility structures.
 Liaison with legal retainer for pre mortgage and post mortgage legal opinion on title of collateral, encumbrance and noting of bank’s charge respectively.
 Arrange the legal opinion on perfection of bank’s right as a mortgagee and ranking of charge in case of Limited companies cases.
 Liaison with approved external agencies in respect of valuation of collateral, possession of the pledge stocks and arranges the Stock report and Stock Inspection report.
 Preparation of the Banking Forms according to the sanction limits structure with proper mention of terms & condition of loan structure.
 Review of the regulatory documents, policy desired documents and collateral related documents before the issuance of Disbursement authorization certificate.
 Issue No Objection Certificate upon adjustments and for up-gradation of charge on borrower request to other’s financial institutions.
 Issuance of Disbursement authorization certificate after compliance of approved terms and condition and security arrangement.
 Analysis of insurances policies & to check their sufficiency as per approval.
 Preparation of different reports for onward submission for compliance.
 To supervise system related transactions on timely basis for smooth operations.
 Sanction credit line after make sure the compliance of approval is done or even the facility related condition is complied.
 To manage the approval file and security file by using the safe in and safe out register.
 To work on different modules of Symbols (Core banking system) in respect of limit feeding, collateral attachment, confirm adjustment and execute transaction in symbol.

Commercial Division:

 Preparation of detailed Disbursement Review Reports on the basis of facility, security and
property documents
 Preparation of Mortgage & Charge creating documents.
 To Check/review stock reports along with stock inspection reports on monthly/quarterly basis.
 Issuance of NOC\'s & Disbursement Authorized Certificate (DAC).
 Perfection of Mortgage formalities.
 Charge registration with Securities & Exchange Commission of Pakistan.
 Preparation of Facility Acceptance Letters.
 Preparation of Internal Facility documents of various clients.
 Preparation other facility related documents and undertakings.
 Keeping the record of executed documents in Safe-in Safe-out register.
 Issuance of Disbursement Authorization Certificates.
 Perform physical documentation review in order to ensure that all required security/support
documents are complete as per approved terms & conditions before issuance of DAC.
 Managing Various Ticklers regarding Insurance, Deferrals Approved, Hypothecation Stock
Register, Pledged Stock Monitoring, Evaluation Register and Charges up gradation register.
 To seek legal opinion from bank internal legal department, approved external lawyers and
reviews the same as per property documents/approvals.
 To issue insurance letters for confirmation of genuineness of cover notes, policies, PPRs.
 Scrutiny of insurance policies and highlights shortfall/discrepancies/missing clauses/co-
insurances etc to business unit.
 Monitoring and implementation of SBP rules and prudential regulations.
 To attend audit exceptions of internal, external & SBP.
Corporate Division:
 Review of documentation of Faisalabad region.
 To monitor and assess insurances related to Lahore & Faisalabad region.
 To review monthly/ quarterly stock inspection reports of Lahore region.
 Review of monthly stock reports of Lahore region.