Working as Relationship Manager Assets. Monitoring of overall branch lending matters, existing Credit Portfolio of Rs.800M+ of 45-borrowers (RS.700M fund based & Rs.100M Non-fund based) and marketing fresh customer to increase healthy credit portfolio alongwith handling of CAD matter/arrangement of DAC and achievement of targets.
 Maintaining/handling Credit Portfolio of consisting of Cash Finance/ Running Finance/LGs /BGee lines to SE, ME, Corporate/commercial client for meeting working capital requirement of business. Marketing fresh customer to increase healthy credit portfolio.
 Regular Visits to client business place and stock inspection for effective bank’ control, timely disbursement of finance to clients and arrangement of DAC from CAD with assurance of maximum profitability/markup earnings.
 Handled/removed all Discrepancies/Errors to avoid blockage of lines during season as well credit tenancy.
 Focused on “Zero Expired” limit and arranged timely approvals from competent authority well before expiry of existing.
 Credit Administration -have knowledge of execution of Mortgages, noting of bank charge in concerned revenue record and in SECP for private limited companies
 Focused on removal of pending audit observations as pointed out by internal audit with true compliance as well as recovery/regularizing leakage of income.
 Focused on markup recovery in timely manners
 NPL Recovery

Working as Branch Credit Officer. Monitoring of overall branch lending matters, existing Credit Portfolio of Rs.160M+ of 18-borrowers(RS.60Mfund based & Rs.100M Non-fund based) and marketing fresh customer to increase healthy credit portfolio alongwith handling of Credit Risk Control matter/arrangement of DAC and achievement of targets.
 Maintaining/handling Credit Portfolio of consisting of Running Finance/BGee lines to SE, ME, Corporate/commercial client for meeting working capital requirement of business. Marketing fresh customer to increase healthy credit portfolio.
 Regular Visits to client business place and stock inspection for effective bank’ control, timely disbursement of finance to clients and arrangement of DAC from CRCD with assurance of maximum profitability/markup earnings.
 Handled/removed all UER (Unit exception Report) generated by CRCD to avoid blockage of lines during season as well credit tenancy.
 Focused on “Zero Expired” limit and arranged timely approvals from competent authority well before expiry of existing.
 Credit Administration -have knowledge of execution of Mortgages, noting of bank charge in concerned revenue record and in SECP for private limited companies
 Focused on removal of pending audit observations as pointed out by internal audit with true compliance as well as recovery/regularizing leakage of income.
 Focused on markup recovery in timely manners
 NPL Recovery
Additional Responsibilities-General Banking Officer/Branch operation officer
 General Operations including remittances, ATM / Check Book issuance.
 Dealing with Foreign Remittances / TBD Payments
 Prepare ATM report with Fact Sheet & General Ledger Balancing.
 Dealing with Account Opening / KYC / Letter of Thanks / AML / CNIC Verify / Posting.
Dealing with Inward / Outward Clearing (Nift and Manual).
Prepare Unclaim data / Surrender to SBP / Refund Cases Processing
Resolving Reconciliation issues to coordinate with branches.

 Handle all Administrative Affairs of Regional Office & Coordinating with branches to manage their administrative and other affairs (Security Etc).
 Coordinating with branches to achieve their set targets to launch various campaigns (Deposit, NTB, VDC, RTC, Banca).
 Resolving Branches all types of Complaints
 Office and Branches Expenses Monitoring
 Handle Deceased Cases
 Focusing to achieve Region targets Unclaimed Data reporting
 Handling the customer queries and complaints are resolved in reasonable time.
 Regional Incharge security stationary.
 Regional Incharge of RTC.
 Resolving Reconciliation issues to coordinate with branches.
 Ensure compliance to laws polices, practices, SBP regulatory requirements.
 Handle any other responsibility assigned by the superiors.

 Handle all Administrative Affairs of Regional Office & Coordinating with branches to manage their administrative and other affairs (Security Etc).
 Handle training function in the HR department.
 Prepare daily, weekly, monthly, quarterly & yearly reports.
 Consolidation of deposit, advances & profit figers
 TA/DA, leave records & medical bills of staff processing.
 Providing support and advice to staff selection committees.
 Co-ordinate with all branches regarding any HR problem.
 Handling the customer queries and complaints are resolved in reasonable time.
 Incharge security stationary.
 Staff officer Region.
 Processing of expense vouchers with in designated approval powers.
 General Ledger posting.
 Resolving Reconciliation issues to coordinate with branches.
 Ensure compliance to laws polices, practices, SBP regulatory requirements.
 Handle any other responsibility assigned by the superiors.

 Dealing with the Advances (Running Finance / Cash Finance).
 Monitoring of pledge sites for effective bank’ control, timely disbursement of seasonal lines to clients (Cotton Ginning)
 Dealing with Account Opening / KYC / Letter of Thanks / AML / CNIC Verify / Posting.
 Dealing with collection of other banks.
 General Operations including remittances, ATM issuing Check Book issuance.
 Prepare ATM report with Fact Sheet & General Ledger Balancing.
 Dealing with Email and incoming & outgoing fax.
 Prepare new credit proposals.
 Dealing with NPL recovery.
 Handle any other responsibility assigned by the superiors.