Currently working with Meezan Bank as Manager Credit (SME/COMM) at Regional Office Bahawalpur from Jan -2016 to Present.
• Interacting with existing/potential customers for providing leads of additional business.
• Write-up of Credit Proposals of existing / potential customers after gathering information.
• Initiating fresh loan proposals, conducting Financial and Cash Flow Analysis and ascertaining Working Capital and Seasonal Finance Requirements of the business.
• Satisfying and responding the concerns and queries of Credit Risk Management and securing loan approvals.
• Execution of sanctioned limits within the parameters approved by the bank.
• Ensuring the adequacy of offered collateral securities by visiting the proposed properties and conducting market check.
• Arranging and vetting legal opinions on genuineness and fitness of the properties to create bank’s mortgage charge.
• Execution of post approval documentation formalities like execution of mortgage formalities, charge documentations and obtaining Disbursement Authorization from the Credit Administration Department.
• Post disbursement monitoring of the portfolio.
• Ensuring credit health and performance of the portfolio by way of Credit Maintenance during the currency of limit.
• Managing portfolio and its credit maintenance i.e. expiries, stock reports, call reports, insurance, inspections, valuations etc.
• Monitoring and visiting pledge sites in different frequencies of time and ensuring bank’s effective control & custody over the pledged stocks.
• Ensuring timely adjustments of credit facilities and regular profit servicing by pursuing the relationships.
• Responsible for timely renewals through annual reviews of the existing asset relationships
• Preparation of Credit Structure In line with Shariah & PDSC
• Preparation of business process flow (Wheat, Rice, Cotton & Trading concerns) and execution of following contracts: Murabaha, Istisna, Tijarah & DM.

Worked as Senior Officer and managing the work of Finance, MIS, HR and coordination at Regional Office Bahawalpur from May 2014 to December 2016.
• Budget preparation of Bahawalpur Region Branches i.e. Deposit, Finance and all KPI’s.
• Processing-medical/survey/visit/fuel and hotel reimbursement bills of staff and Executives.
• Opening of New Branches under ABEP 2014 and 2015 and arranged pre and post documentation.
• Handling Admin related issues of Region/Branches/Areas and various Departments on routine basis.
• Process reimbursement of medical/fuel/car/rent facilities bills of staff and monitor abuse of these facilities.
• Processing of enlistment / reenlistment of Hotels for Company panel and negotiate corporate rates with them.
• Calculating actual profitability of Branches and reconciliation of working with inter Branch allocations reports.
• Monitoring of Branches and Area operating expenses, and handling all finance and administration related issues.
• Analysis of current business performance through various drill down productivity cuts such as revenue productivity, volume productivity and unit productivity
• Critical examination on profitability of Business segments and deliberate Road MAP along with Way forward for conversion of loss making Branches into profit generating unit
• Developed MIS of all KPI’s, (Key Performance Indicators)
• Preserving Performance score card of All Branches by reviewing their targets and performance.
• Maintaining Balance score card, Profitability, Controls, Alternate Delivery Channels, Cross Sell and Funded/Non-funded SME/COMM financing.
• Developed and daily updating Human Resource Management information system as per approved Organograms
• Deal with establishment functions including processing of leave, attendance, overtime, etc. through manual and BIO Metric system.

• Reporting of Account Opening & Deposit position to superior offices (Regional/Area Office) on daily basis.
• Handling of Clearing Operations i.e. processing of inward/outward clearing on routine basis and balancing of inward/outward clearing with the main branch
• Issuance of Pay Orders i.e. internal & external payment orders and deal with customers on specific issue.
• Posting of branch Vouchers i.e. Janitorial, others over head, customer entertainment, Tea sugar etc.
• Maintain and update voucher Register on daily basis.
• Dealing with Customers and solve their matters regarding Online, pay orders, clearing etc