Objective:
Sales & Marketing of Agriculture Products offered by the Bank; develop and maintain robust and
profitable Agri Portfolio in allocated branch(s).
Specific Responsibilities:
Undertake intensive tour of the area to identify potential customers; i.e. genuine farmers and people with small businesses to establish customer-banker relationship.
Ensure smooth processing of credit proposals and timely disbursement of approvals.
Responsible for management of Agri Portfolio of relevant Branch(s) by arranging regular markup/installment recovery, annual cleanup of loan, insurance coverage, timely reviews / renewals, audit compliance, adjustment of NPL’s to keep the portfolio current and updated in all respects.
Spot investigation/ physical verification of applicant(s) credentials and preparation of “Farm/ Field/Business Visit Report” at the time of introduction of proposal and conduct periodical visits of existing Agri customers to ensure proper utilization of funds and issue “End Use Certificate” in accordance with SBP’s directive.
Prepare/maintain MIS and provide required information to the management in timely manner.
Maintain liaison with Lamberdars (Heads of villages), Revenue Authorities (Patwari/ Tapedar/Tehsildar/ Mukhtiarkar/ Arazi Center/ PLRA) and local community to promote a working relationshipwith them to enable identification/ selection of genuine customers and timely recovery of bank’s dues.
Ascertain the status of security offered for the loan by the prospective borrowers, nature and state of any previous encumbrances on the collateral or existing indebtedness of borrower and verification of Agri: Pass Book/ revenue record by the concerned Revenue Office.
Arrange registration of financed tractor/ vehicle/ other assets (wherever required) as per CAD requirement.
Any other task(s) as assigned by the line management/ Agriculture Division/ higher management.

®  Responsible for the growth of business lending for FINCA, Pakistan in the target market and region.
®  Focused on community outreach in order to increase the visibility of FINCA and originate quality loan applications.
®  The ACO works with internal staff and external customers to successfully generate quality business loans in their respective markets.
®  The position is directly responsible for business development and sales and will have specific lending goals to attain during each month.
®  To build a good rapport with clients to make repeat clients.
®  To follow up on delayed installments.
®  To assist all seniors including Relationship or Branch Manager to initiate collateral liquidation if a client defaults on a loan.
®  Helps RM/BM prepare reports to send customers whose accounts are delinquent, and forward irreconcilable accounts for collector action (whichever applicable).
®  The LO also does cross-sell.
®  The Loan Officer typically works under the direct supervision and guidance of RM or Branch Manager
®  Mobilization/ Socilization in market
®  Issue the Agriculture loan/ Maweshi Qarza and follow  up on delayed installments.
®   Review loan requests
®   Analyze applicants\' financial status, credit, and property evaluations to determine feasibility of granting loans
®   Evaluate creditworthiness and risks.

Relationship Manager & Office Administrator
08-2015---08-2018 Grand Heights Grammar, Sialkot, Pakistan
 Responsibilities
o Dealing with the parents on all issues regarding school matters.
o Arrangements of all the meetings and the Events in or outside the school premises
o Marketing and achieve new admissions.
o Submit daily / Weekly/ Monthly Reports to the Management.
o Arranging interviews and confirming interviews by email.
o Sending SMS messages, emails and letters to parents on a regular basis
o Review invoices, reports as well as correspondence to make sure accounting records documents are accurate.
o Process all payments in a timely manner.
 Achievements
o Mapping and building a comprehensive information library on each Staffing Partner and their clients.
o Create “New Admissions’ strategy, including management, marketing and communication efforts, and relationship management.
o Lead by example in generating increased new admissions.
o Contribute to Staffing Partner planning on new client acquisition, negotiate rates and fees & \'in scope\' disciplines
o Provide product and system training sessions for new and existing clients in order to maintain and increase the admissions of school.
o Supporting the growth of 500 key client businesses.
o 80% Satisfactory dealing with Parents.
o All payments are paid in a given time.

PUBLIC RELATIONING OFFICER
06/2012----08/2015, Dar e Arqam Schools , Bhopalwala, Sialkot, Pakistan
 Responsibilities
o Ensure the cleanliness of class rooms /Labs/dill and furniture before school starts in other morning.
o Ensure the proper distribution of work among the non-academic staff.
o Maintain the working duties of non academic staff (Purchaser, Office Boy, School Maid, Chukidar, Security Guard & Sweeper etc.
o Marketing.
o Achieve to admission targets.
o Public Dealing.
o Data entry
 Achievements
o Carry a revenue quota to meets or New Admission targets and demonstrate continuous progress towards achieving account strategies
o Establish relationships and engage at staff levels to identify get admissions direct to the highly fee paid students.
o Provides day to day leadership and may act as a team leader
o Build up strategic contacts with Parents, managing director and general public.
o Interact strongly with Parents.
o Identify, develop, execute, and maintain account strategies to drive adoption of New Admissions and services revenue within time limit.
o Draw up and implement analysis of admissions.