Professional banker with proven expertise in credit analysis, risk assessment, and financial modeling. Adept at managing credit portfolios and ensuring compliance with regulatory standards. -Assisting Bank's clients in obtaining loans and make sure that all the processes are in compliance with the law.-Calculating risks factors involved in processing loan applications and create credit scoring models.-Maintaining and update records of loan applications and review loan requests and planning payment setups.-Keeping in touch with clients for gathering financial services documentation & other required documents.-Offering different types of loan options to the applicants based on the analysis of their applications.

Approve/Reject Credit requirements (Fresh/Annual/Interim/Temporary) as per assigned delegated CAP along with identifying risk mitigating measures for obligors under the above threshold.
Review & recommend credits over & above the assigned CAP or credits which require deviation /exception approvals as per the policy requirements.
Assess repayment capacity of borrowers’ character, attitude, financial risk profile, previous performance records, etc. while evaluating the credit proposals for fresh relationships/ renewals/ enhancements/ sector analysis & security adequacy review.
Ensure that the facilities have been properly structured and there is no violation of Regulatory & internal policy requirements.
Monitor security coverage ratio, financial covenants.
Coordinate with RH/TLs/SRMs for ideal structuring of credit limits in line with obligor’s financial needs after ensuring that all requirements related to risk as per the regulatory and internal policy requirements.
Monitoring of portfolio for timely reporting / escalation of past dues (DPD 30+ /60+ /90+).
Established liaison with Internal / External / Regulatory Auditors for the audit of credit proposals & other reporting.
Making crucial credit decisions as member of credit committee
Managing sustainable amounts of above Rs.1 Billion (Main depositors comprises financial institutions, multinational companies, big corporates and individuals.
Ensure all credit documentation including offer, agreement and any other correspondences in compliance with SOP’s.
Ensure compliances of all credit related pre and post disbursement stage.
Ensure compliances of all requirements of AML/CFT at the time of initiation of credit proposals to credit committee and subsequent compliances during currency of facility.
Portfolio verification of both asset and liability customers in line with bank policy and regulatory requirements
Ensure business growth in all products and services in line with branch business plan and market potential.
 

Ensure compliance with Regulatory Guidelines.
Ensure adherence to KYC and AML guidelines while initiating and reviewing customer relationships.
Ensure audit compliance & controls to avoid unnecessary risk and exposure.
Engaged in implementation of ERP solution by providing the initial framework for the ERP of microfinance business.
Involved in brainstorming to develop new microfinance products within the rules of NBFC.
Supervise, coach, and develop branch staff regarding service expectations, policies, procedures, products, systems and banking procedures.
Organize and coordinate centralized operations in ways that ensure maximum productivity.
Review & approve MF files as a member of HOCC (Head office credit Committee).
Coordination with the Branch Offices to generate more revenue & to achieve Monthly Branch Targets.
Custodian of all relevant Keys (strong room), security stationary/AOF, Legal booklets and PDCs.
Provide support to branch staff to streamline the process of money laundering monitoring as required.

Achievements:

Member of HOCC (Head Office Credit Committee)

Appointed as coordinator of three microfinance branches (Raiwind, Hafizabad & Sambrial)


Appointed as Trainer for Microfinance Staff: Conduct training sessions at head office and branch level as and when required.


Incharge FRMU

Attain minimum sales performance standards by active involvement in entire product marketing campaigns, referral programs and sales development activities.
Attain branch and individual sales goals through promoting as well as cross-selling bank products.
Participate in sales activities and process of Retail Department in disciplined, steady manner.
Assist customer satisfaction and retention through successfully researching and resolve customer issues as well as inquiries.
Ensure to consistently acquire or exceed sales goals established by management.
Participate actively in entire product marketing campaigns, referral programs and sales development activities.
Perform for sure all duties along with responsibilities complying with set procedures and regulations.
Became member of HO fraud investigation team.

Assessing and reviewing financial circumstances
 
promoting the bank's services
 
Perform various clerical tasks