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Job Description

Division/Department: SMED Division/ Retail Lending Group

Grade Range: OG1 to VP

Direct Reporting to Regional Business Head 

Direct Reports of the Position (if any): Relationship Manager

Job Summary:

Achieve overall assigned business targets for the hub/team while ensuring compliance to all regulations, internal policies, procedure and frameworks, in particular requirements of FTC Frame work, etc. Maintain/Improve satisfactory audit ratings. Lead and motivate team. Ensure team is well versed with products/services and conducts themselves ethically. Maintain professional relationship with counterparts in RBG –Regions/ Branches, CAD, Risk and other related departments.

Major Duties & Responsibilities to perform the Role:

  • Ensure all assigned hub/Team business targets are achieved. A balanced growth is achieved in financing to all segments under SME Division i.e. SME, Commercial/Corporate and in particular Financing against SBP schemes.
  • Ensure on-boarding of New to Bank Customers. Establishing new relationships and strengthening & deepening relationships with existing customers.
  • Identify business opportunities to grow funded & non-Funded Business, structure proposals, negotiate terms and determine security arrangements.
  • Providing financial advice & solutions to existing and prospective clients. Ensure achievement of financial and non-financial objectives of the Division
  • Liaising with other Business units for business leads. Ensure Cross-sell with other Business Groups. Divisions through marketing of Deposit, RFD/ACD products, Cash Management Mandates etc.
  • Ensure no fresh NPL Addition in the portfolio and reduction in existing NPLs
  • Regularly visit existing customers in Region and ensure timely recovery of installments/markups and other bank charges. Ensure maximum collection (at least 90%) is achieved in the first 30 days of quarter.
  • Facilitate Documentation & Disbursement of PMKJ Portfolio.
  • Ensure compliance with Bank’s operational procedures and State Bank of Pakistan regulations.
  • Ensure Proper Screening of customer is conducted to ensure his/her eligibility for the Bank Products & Services.
  • Ensure Credit Discipline is maintained in line with the Bank’s CPM, policies & procedures.
  • Ensuring preparation and processing of 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.
  • Ensure Turnaround Time defined by SBP or internal procedures, PPMs etc. for credit processing is met.
  • Ensure Special attention to be given to needs of vulnerable persons. Ensure Fair and equal treatment to all customers in accordance with Bank's policies, procedures & PPMs
  • Ensuring completion of all Pre – Post sanction/disbursement formalities timely and issuance of “DAC’ from RCAD relating to assigned credit relationships.
  • Monitoring compliance of the terms & conditions of the approved credit packages, ensuring record updation in respect of insurance policies, stock reports, valuation reports and audited accounts (if required) etc. of the assigned relationships.
  • Ensure timely communication of any change in terms & conditions of the products to the customers.
  • Conducting periodical business calls to the customers and submission of business call/ visit reports.
  • Ensure the team gets adequate trainings on product knowledge, soft skills and FTC the framework of the bank.
  • Ensure Up to date knowledge of BOP Products & Services & SBP schemes for self and team.
  • 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 the secrecy of customers' information.
  • Ensure housekeeping of the portfolio at 100% regularized level.
  • Satisfactory Audit Rating and timely Resolution of Audit/ SBP observation.
  • Any other assignment given by the Supervisor

Relevant Experience: 08 Years of banking experience

Qualification: Masters

Location: Faisalabad

Job Details

Total Positions:
1 Post
Job Shift:
First Shift (Day)
Job Type:
Department:
SME Division
Job Location:
Gender:
No Preference
Minimum Education:
Masters
Career Level:
Experienced Professional
Minimum Experience:
8 Years (Minimum 08 years of banking experience)
Apply Before:
Nov 03, 2020
Posting Date:
Oct 18, 2020
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The Bank of Punjab (BOP)

Banking/Financial Services · More than 5000 employees - Faisalabad

pThe Bank of Punjab was established in 1989 under The Bank of Punjab Act, 1989 passed by Provincial Assembly of the Punjab, as a non-scheduled Commercial Bank with majority shareholding of Government of the Punjab. The Bank earned the status of a scheduled Commercial Bank in 1994 and currently carri ...Read More

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