Posted Oct 18, 2020 5 views
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 products knowledge, soft skills and FTC 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 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: Sukkar
Job Details
The Bank of Punjab (BOP)
The 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 carries a vast network of over 620 online branches, strategically located across the Country along with an ATM network of over 550 offering 24/7 banking services to its diverse clientele of over 2 million. Since its inception, the BOP has seen many ups and downs and has also successfully weathered the waves of economic volatility, recessions and stiff market competition over the years. Current strong network base coupled with solid capital structure and phenomenal financial results posted during last few years has transformed the Bank to one of a leading financial institution of the Country. Now, the Bank standouts among peer group as a robust and rapidly growing commercial Bank. Besides offering a range of products and services to meet the modern days’ banking requirements of its clients, the Bank has also established its footprint in the areas of consumer financing, agriculture credit, corporate & investment banking, cash management and alternative delivery channels. While achieving the objective of financial inclusion through its presence in remote and unbanked areas of the Country with HarFardKaKhayal the Bank is playing its due role in the economic growth of the Country through its various specially tailored and designed products and services.
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