-Evaluate and review credit proposals to identify key risks involved that can expose bank to losses and recommend effective mitigation strategies to overcome these risks.
-Carry out continuous risk monetoring to assess post-disbursement complaince of bank\'s rules and regulations and other requirenments by the clients.
-(TAT) Turn arround time, \"Constantly keep improving the TAT without compromising on quality of credits being approved\".
-Complaince with policies, procedures, guidelines and regulations.
-Adapting to changing trends factors.
-Control risk, \"Evaluate and review credit proposal to identify key risks and comply to the relevent central bank regulations and bank\"s credit policy in order to avoid legal penelties\".

To build up a healthy asset portfolio of the branch ensuring compliance with internal credit policy and SBP\'s Prudential Regulations, manage credit relationship by providing satisfactory solutions to customers after carefully analyzing repayment capacity.
-Keep updating regarding BAL\'s policies and SBP\'s PRs pertaining to SME credits and ensure their compliance.
-Negotiate/Market SME relationships.
-Market SME products under specific program lending schemes developed by SME department.
-Analyse, prepare and recommend CLP\'s (Credit Line Proposals).
-Manage credit documentation and post disbursement monitoring of the accounts.
-Manage NTB\'s and existing client relationship for repayment and satisfactory conduct of accounts.
-Prepare and submit various reports.
-Conduct financials, industrial and economic analysis of different segment of economy.
-Rectify audit objections raised by internal, external and SBP\'s auditors and to adopt suitable measures so that such exceptions do not recur.

• Devise and use fruitful sourcing strategies
• Track and report key functional metrics to reduce expenses and improve effectiveness
• Control spend and build a culture of long-term saving on procurement costs
• Preparing Of Purchase Order & Financials Checklists.
• Create and Maintain Financial Approvals Of Supplies.
• Create and Maintain good Relationships with Vendors/ Suppliers
• Identifies and researches potential new suppliers
• Collaborate with key persons to ensure clarity of the specifications and expectations of the
company
• Maintain Records of Purchase, pricing and Other Important Data
• Negotiate the best deal for pricing and Supply Contracts
• Create and Maintain inventory of all incoming and current supplies
• Maintain and update list of Suppliers and their qualifications, Delivery time, and potential
Future Development
• Working With team members and management to complete duties as needed.

Career Counselor.
-Managed admission processes including determination of appropriateness and potential of candidates.
-Communicated with students and parents for career options.
-Monitored compliance of school policies, institutional policies, procedures and regulations.
-Addressed inquiries regarding career goals, student service, and educational programs.
-Offered workshops and provided career-related guidance.
-Planned and advertised career service programs
 -Facilitated group interactions and mentor programs.
Marketing Officer
-Contribute in the implementation of marketing strategies
-Support the marketing manager in overseeing the department operations.
-Organize and attend marketing activities or events to raise brand awareness
-Plan advertising and promotional campaigns of services on a variety of media (social, print etc.)
-Liaise with stakeholders and vendors to promote success of activities and enhance the company presence.
-See all ventures through to completion and evaluate their success using various metrics.
-Conduct market research to identify opportunities for promotion and growth.
-Collaborate with manager in preparing budget and monitoring expense.
-Managed the internal and external mail functions.
-SMS Marketing (B SMS).
-Create and update records of revenues, expenses and other financial data.