Manage SME/Commercial portfolio of the Region to achieve all assigned hub/Team business targets, ensure balanced growth in financing to all segments under SME Division i.e. SME, Commercial/Corporate and in particular Financing against SBP schemes.
Key Accomplishments:

On-board New to Bank Customers, strengthen relationships with existing customers; tap new opportunities to grow funded & non-Funded Business, structure proposals, negotiate terms and determine security arrangements.
Deliver financial guidance to existing and prospective clients and achieve financial and non-financial objectives; also ensure turnaround Time defined by SBP or internal procedures, PPMs etc., for credit processing is met.
Build collaborative rapport with other Business units for business leads, also ensure cross-sell with other Business Groups Divisions through marketing of Deposit, RFD/ACD products, Cash Management Mandates etc.
Prepare and process credit proposals/ renewals relating to assigned relationships and carrying out financial analysis and credit risk assessment in conformity with the Bank’s policy and SBP Prudential Regulations.
Regularly visit existing customers in Region and ensure timely recovery of instalments/mark ups and other bank charges. Ensure maximum collection (at least 90%) is achieved in the first 30 days of quarter.
Control NPL Addition in the portfolio and reduction in existing NPLs, facilitate documentation & disbursement of PMKJ Portfolio also maintain Credit Discipline in line with the Bank’s CPM, policies & procedures.
Completed all Pre/Post sanction/disbursement formalities and issuance of “DAC’ from RCAD relating to assigned credit relationships, conduct periodical business calls to the customers and submission of business call/ visit reports.
Facilitate the customers in making an informed decision by presenting best available options to cater his/her needs and assist them promptly and efficiently if they require alternatives.
Ensure confidentiality of customers\' information and housekeeping of portfolio at 100% regularized level.

Prepared and processed credit proposals for all NTB customers in a timely and efficient manner, in line with agreed processes & TATs & Evaluation of Credit Proposals with respect to Bank\'s Policy Compliance (CPM), PR Compliance & Risk Evaluation
Key Accomplishments:

Elevated as RCMI in Gujranwala/Sialkot Region with the key responsibilities to build NTB business., steered Marketing efforts for potential customers’ (NTBs) to cater fresh business initiate and promote the bank’s business prospects.
Achieved targets assigned to regions by management also worked collaboratively with departments to implement service level agreements (SLAs) and turn-around time (TATs) and created an effective processing environment.
Identified target market, shared regular updates to Regional, Area, Branch Managers as well as risk, credit & CAD department and managed reporting/statement to various Departments (SBP, Finance, RAR, and RMD etc.)
Partnered with Regional Head, Area and Branch Managers, RMs department heads of Trade, Credit Administration & Risk/Credit Management to manage the credit application & approval process in line with the Banks’ policies
Built collaborative rapport with the Field Staff for Resolution of Problems and achievement of sales targets also trained RM for improvement in CA presentation and other credit related issues.

Joined as SRM (Regional Position) for handing SME portfolio of Gujranwala Rural Region, and ensured all agreed annual budgets are met and spearhead marketing of Bank\'s products to customers who fall within the risk and target market strategy
Key Accomplishments:

Complied with Bank’s operational procedures and State Bank of Pakistan regulations, also conducted periodic visited existing customers in Region and associated clusters to understand their concerns/needs.
Met lost or prospective customers to increase market share, coordinated and minimized turnaround times, led training for staff according to their strengths and weaknesses as well as goal setting and appraisal exercise with staff.

Led the Seasonal & Commercial portfolio handling the Fund base credit portfolio of more than Rs. 1.300B, mixes of 25M to 350M.
Key Accomplishments:

Strengthening and deepening the relationship with existing targeted clientele and developing new client relationships; performed financial and credit risk analysis in conformity with Bank’s policy and SBP Prudential Regulations.
Achieved business targets, prepared and processed credit proposals/ renewals relating to assigned relationships in conformity with SBP’s Prudential Regulations and the guidelines provided by HO from time to time.
Identified deteriorating credit situations and taking corrective steps in a timely manner as to act as Be Proactive.
Provided financial advice to existing and prospective clients and offered bank products and services within institutional business goals. Coordinated with the branch for timely recovery of installments/ mark-up/ other bank charges.
Accomplished all Pre – Post sanction/disbursement formalities including execution of the charge/security/ legal documents relating to assigned credit relationships. Obtain “DAC’ from RCAD.
Updated and maintained insurance policies, stock reports, valuation reports of assets and audited accounts of the assigned relationships, also updated credit files as per Bank’s policy.
Conducted periodical business calls to the customers and submission of business call/ visit reports to the Regional Head/Sales Head/Country Head SME, also rectified related audit objections.
Managed Recovery & Collection of Non-performing Loans, ensured TAT of credit processing as advised by management from time to time as well as prompt regularization of deferrals within the approved period.