Credit Approvals of SME customers (Multan & Bahawalpur Regions) up to delegated credit authority & recommendation of credit proposals to next approval level where limits exceed delegated authority. Credit Approvals to be done after due diligence & detailed analysis ensuring the following: 1) credit being extended is in conformity with Business Group Target Market 2) in line with HBL credit policies and SBP Regulations 3) All key risks and weaknesses have been identified. Any new to bank borrower or customer where enhancement has been extended should not show sign of weakness till the next review date.
Monitoring and follow-up of assigned portfolio- PDO\\\'s, Expiry, deferrals, approval covenants etc. Stressed accounts should be timely identified and remedial strategy should be in place and all accounts should carry correct classification.
Facilitation to build-up of quality credit portfolio, with significant proportion of credit limits in the ‘Low & Medium Risk’ category. 
Implementation of credit policy, processes, procedures and central bank regulations. Periodic review/monitoring of overall region’s portfolio, identification of early warning signals, monitor and report any credit risk limit violation.
* Same assignment was previously held as Regional Risk Manager, Faisalabad, Sahiwal & Sargodha (From April 13 to Dec-19)  

Implement SME business plans, strategies to grow funded, and non-funded business. Identify business opportunities, structuring proposals and negotiation terms and determine security arrangements.
Ensure compliance with Bank’s operational procedures and State Bank of Pakistan regulations.
Business Monitoring. Regularly visit of customers in region and ensure timely recovery of installments/markups and other bank charges.
Frequent liaison with Credit Risk Management, Trade Finance, legal department, Credit Administration department, Treasury, FID and other banking division to provide necessary service to customers Monitoring all lending Hubs under region for timely recovery of dues/markup/commission of assigned portfolio.

Responsible for Credit Risk Management at regional level, Key Performance Indicators (KPI) includes credit approval under delegated Approval Authority and recommend to next level beyond delegated authority, while ensuring that bank’s credit assets are protected from undue credit risk without compromising on quality and turnaround time.
To carryout detailed and thorough financial analysis of credit proposals, review credit applications, evaluate credit risk, repayment capacity, adequacy / enforceability of collaterals and take credit decisions as per bank policy and SBP prudential regulations.
Facilitation to build-up of quality credit portfolio, with significant proportion of credit limits in the ‘Low & Medium Risk’ category. 
Implementation of credit policy, processes, procedures and central bank regulations. Periodic review/monitoring of overall region’s portfolio, identification of early warning signals, monitor and report any credit risk limit violation. 

Managed a team of Relationship Managers, answerable for Business Growth (Assets, Trade, Deposits, Cash Management Mandates and FX Revenues)
Develop appropriate selling including cross-selling approaches to potential & existing customers to facilitate and achievement of business plan.
Maintain relationships with customers to increase knowledge about customers business circumstances & enhance business opportunities.
Syndicate Financing, Project Financing, Letter of Credit LC, Import Financing, Export Financing, Short Term, Term Finance, Leasing, Central Bank based financing, Guarantees, Liability products including cash management solutions.
Frequent liaison with Credit Risk Management, Trade Finance, legal department, Credit Administration department, Treasury, FID and other banking division to provide necessary service to customers.

Management of Credit Portfolio of Commercial Clients from Different Sectors i.e. Steel, Textile, PMC, Chemical, Leather, Real Estate, Information Technology etc. 
Marketing approved products of the Bank to those customers who fall within the risk strategy and marketing plan as approved by the management of the Bank. 

Preparation of Credit Proposal of SME clients, including detailed financial analysis, cash flow, risk, industrial & security analysis.
To monitor and supervise credit portfolio of the branch and take necessary actions as per bank policy and SBP prudential regulations.

Initial scrutiny of L/C opening form and supporting documents, Conform SWIFT draft with LC application and allotment of LC No accordingly. Making/passing vouchers of customer/banker LC liability. Scrutiny of import documents with LC terms and conditions and advise discrepancy(s) if any, to the importer and negotiating bank. Lodgment and Retirement of import documents.