Posted Mar 15, 2024 656 views
- Trade business as per budgeted targets
- Cash Management Mandate Closure as per budgeted targets (At least 1 closure per month)
- Deposit mobilization through the BankIslami SME clientele in line with the allocated budgeted target.
- Cross Sell of Consumer Products through the SME Clientele to at least 10% of the SME clientele.
- Maintaining of SME Financing in lien with allocated budgetary targets
- Regular meet ups with SME customers to provide business solutions and enhance the knowledge base enabling them to educate their buyers / suppliers thereby enhancing the SME market penetration.
- Structuring of credit limits in line with client needs and coverage of exposure from adequate securities. In addition, ensuring CLP in FOAS to be error free and conceptual covering all the necessary details. Minimum resubmissions of FOAS for corrections.
- Making best efforts for minimal queries from Credit Risk. Responding to queries from the credit risk department maximum by next day.
- Parallel approval of shariah process flow along with CLP and ensuring compliance of shariah directives.
- Zero Exceptions in CAD generated fortnightly report
- Submission of renewal CLP 2 months before expiry.
- Zero overdue in customer accounts.
- Timely conversion of advances into financing and realization of income as per process flow
- Ensure 100% Clean DAC issuance for all the clients
- Ensuring Scrutiny of transactions with reference to proper utilization of funds.
- At least 2 physical calls per customer in a week
- Submission of call report on the same day to Area Manager & Head SME Banking
- Ensuring market check of all existing Assets based customers though the supply chain at least once a month.
- Submission of findings through email to Area Manager & Head SME Banking.
- Customer complaints to be resolved as within 3 working days.
- Ensure that Banks or Regulators' instructions are not breached in Trade based money laundering, Prudential regulation and banks’ credit policy.
- Resolve Audit exceptions within 15 days of being highlighted.
- Updated MIS for customer wise maturity profile of all extended credit products . The MIS shall help in customer follow-up for timely adjustment of transactions and no overdue in accounts.
- Ensure to maintain all asset-based & trade based documentation for audit trail
Job Details
BankIslami Pakistan Limited
BankIslami Pakistan Limited is a dedicated Islamic commercial bank operational in Pakistan since April 7th, 2006. The bank offers a full range of Shariah compliant commercial banking products and services through a network of 100 plus branches all over Pakistan. BankIslami is sponsored by three financially sound and reputable groups which are: The DCD Group, Dubai Bank and Jahangir Siddiqui & Company Limited. The DCD Group is a UK based group which has played a pioneering role in setting up of institutions such as the Islamic Bank of Britain and European Islamic Investment Bank aside from partnering with Dallah Al-Baraka Bank in South Africa. Dubai Bank is one of the upcoming banks in the UAE, owned by Dubai Holdings, the investment arm of Government of Dubai and Emaar Properties, which is the largest real estate company in terms of capitalization in the region. Jahangir Siddiqui & Co. Ltd is the largest and most diversified financial services group in Pakistan with a track record of innovation and success. It has the distinction of sponsoring the first and largest asset management company, ABAMCO Limited and the first Islamic Fund in Pakistan. Recently JS Group has been at the forefront of starting a US$ 70m private equity fund in Pakistan. The Bank was formally listed on the Karachi Stock Exchange on April 17th, 2006. The Shariah Board of BankIslami consists of three renowned and distinguished Shariah scholars namely Justice (Retd) Muhammad Taqi Usmani, Prof Dr Fazlur Rahman and Mufti Irshad Ahmad Aijaz. Mufti Irshad Ahmad is also the Shariah Adviser of the bank who works full-time with the management and guides them in issues pertaining to the Shariah. The business philosophy of BankIslami focuses on providing Shariah compliant products at par with better service and technology standards viz-a-viz conventional banks. In pursuit of this traditions BankIslami is the first commercial bank in Pakistan as well as in the region to deploy Biometric ATMs for its customer
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