-Manages personal banking staff and daily operations to ensure customer satisfaction and develop client relationships.
- Focuses teams on identifying customer needs and maintaining up-to-date knowledge of all bank products and services to explain, promote, and cross-sell products and services.

. Pre audit planning in accordance with the scope and complexity of the area under review.
. To conduct audit of branches in light of annual audit plan.
Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings
Checking compliance with various statutory and internal policies, procedures, guidelines and
circulars during the course of audit.
Maintaining audit-working papers, presenting observations to Team Leader audit for his review.
Ensuring that all auditable areas assigned by team leader are covered in light of Work distribution Sheet and pre-audit meeting, within prescribed time limit.
Making draft and final audit report within prescribed time period as defined by Team Leader.
To conduct or assist in Special Inquiries given from the seniors.
Any other job / assignment assigned by Team Leader, Regional Audit Manager.
Provide value added advice and support to business partners on the creation or modification of policies, procedures, processes,

Preparation of Financial proposal in accordance with the scope and complexity of the Credit Policy.
• Analyze & evaluate credit worthiness of potential Commercial Vehicles Ijarah customers accordingly to credit Policy.
• Pre-screening of financial application according to stringent credit policy.
• Liaison with RMU, SCD, CAD or any other operations regarding approval, documentations, legal requirement and disbursals.
• Responsible for initiation for the approval from management and to ensure disbursement as well as transaction occurs on time.
• Making case discrepancies and interacting

Pre audit planning in accordance with the scope and complexity of the area under review.
• To conduct comprehensive and independent onsite reviews of assigned branches from the perspective of internal control environment, service quality standards and Shariah guidelines. To ensure that regulators' guidelines and policies and procedures laid down by the bank are followed in letter and spirit. To raise red flags in time for application of corrective strategy by the management. To provide enhanced support, guidance and training to branch and to bridge the a, if any, among branch, local management, support offices and head office.
• To ensure that all assigned activities I functions are performed with, "Proficiency" and "Due Professional Care"
• To maintain "Independence" and "Objectivity" in all the activities performed.
• To ensure "Continuous Professional Development" and "Quality Assurance" m performance of all assigned activities and functions.
• To conduct periodical onsite independent reviews of the assigned branches from the perspective of internal control environment, service quality standards and Shariah guidelines.
• Checking compliance with various statutory and internal policies, procedures, guidelines and circulars during the course of review.
• Audit Assignment/ SQC/ Shariah Audit & AOF 100% Assurance Rate.
• New Branches establishment with AM/BM.
• Resource hiring i.e. Operation & Sale staff with ROM/AM recommendations.
• External/Internal presentation on behalf of Bank. i.e. Fraud & Forgery, AML/CFT & Global watch.
• Cash House monitoring regarding follow of cash & collaboration with other branches.
• Collaboration with SBP regarding current Cash Management Strategy & Cash related issue.
• External verification .i.e. Resident / Business in case of Car Ijarah as behalf of Bank.
• Car/Bike Ijarah /Trade Finance (LC etc) case process from Gilgit Main Branch.

• Pre audit planning in accordance with the scope and complexity of the area under review.
• To conduct audit of branches in light of annual audit plan.
• Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings
• Checking compliance with various statutory and internal policies, procedures, guidelines and
circulars during the course of audit.
• Maintaining audit-working papers, presenting observations to Team Leader audit for his review.
• Ensuring that all auditable areas assigned by team leader are covered in light of Work distribution Sheet and pre-audit meeting, within prescribed time limit.
• Making draft and final audit report within prescribed time period as defined by Team Leader.
• To conduct or assist in Special Inquiries given from the seniors.
• Any other job / assignment assigned by Team Leader, Regional Audit Manager.
• Provide value added advice and support to business partners on the creation or modification of policies, procedures, processes,

Planning, execution, supervision and finalization of audit assignments including review of audit working papers and identification, communication and resolution of accounting and auditing issues.
• Preparing financial statements in accordance with International Accounting Standards and local regulations.
• Formulating and drafting audit conclusions and opinions, and giving recommendations to management concerning audit findings including advice on several corporate reviews.
• Plans financial audits by understanding organization objectives, structure, policies, processes, internal controls, and external regulations; identifying risk areas; preparing audit scope and objectives; preparing audit programs.
• Assesses compliance with financial regulations and controls by executing audit program steps; testing general ledger, account balances, balance sheets, income statements, and related financial statements; examining and analyzing records, reports, operating practices, and documentation.
• Verifies assets and liabilities by comparing and analyzing items and collateral to documentation.
• Completes audit work papers and memorandum by documenting audit tests and findings.
• Communicates audit progress and findings by providing information in status meetings; highlighting unresolved issues; reviewing working papers; preparing final audit reports.
• Supports external auditors by coordinating information requirements.
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Contributes to team results by welcoming new and different work requirements; exploring new opportunities to add value to the organization; helping others accomplish related job results as and where needed.

Team working skills developed through working with fellow colleagues
• Experienced in providing a team with direction and vision, including motivating people to perform, listening to people, providing feedback, recognizing strengths and providing challenges.
• Strong skills of developing & maintaining day to day processes
• Ability to arrange meetings and prepare schedules for various functions
• Time management / task prioritizing skills
• Demonstrative ability to transfer knowledge through formal and informal trainings