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Summary
I am a performance-driven professional with over six years of experience in branch management, credit assessment, and general banking operations. Throughout my career, I have consistently proven my ability to manage teams effectively, develop strong client relationships, and ensure compliance with banking regulations. My expertise lies in overseeing day-to-day branch operations, ensuring that all activities align with bank policies and regulatory requirements to maintain a seamless workflow and high service standards.
My proficiency in conducting comprehensive credit assessments for both individual and corporate clients allows me to analyze financial statements, credit reports, and other relevant data to determine creditworthiness and manage credit risk effectively. I am skilled at streamlining banking operations, managing personal and business accounts, and creating bank policies that attract corporate business and secure large customers in a given area. My in-depth knowledge of banking operations, including account management, transaction processing, and customer service, ensures smooth and efficient branch functioning.
In my role, I excel in various areas such as retail and general banking, advances management, retail lending, bank guarantees, and agriculture banking. I have a strong focus on customer relationship management, process and performance improvement, team leadership and training, sales strategy development, regulatory compliance, financial analysis, risk management, loan processing, service delivery, and complex problem resolution. My dedication to continuous improvement and my ability to adapt to changing environments have been key drivers of my success.
Among my key achievements, I was awarded Deposit Champion in June 2022 and recognized as a Banca Convention Winner for two consecutive years (2021 & 2022) while working at Habib Bank Limited. Additionally, I received the Employee of the Month award for outstanding performance in the banking sector and achieved recognition as the winner of a Service Quiz. My accomplishments reflect my commitment to excellence and my passion for delivering exceptional service in the banking industry.
Projects
Experience
Branch Manager
Achieve the bank\'s goals and objectives by developing and implementing strategic plans through close collaboration with the senior management.
Train and manage a high-performing team of managers and staff members to drive performance and achieve targets.
Identify new business opportunities and execute marketing and sales strategies to promote the bank\'s products and expand the bank\'s customer base.
Branch Manager
Streamlined and supervised everyday branch operations in accordance with bank policies and regulatory requirements to ensure seamless workflow.
Trained and directed a team of highly skilled professional and accomplished all assigned objectives through strict conformance to bank regulations.
Set a benchmark of excellence by designing and executing effective sales strategies to achieve branch targets for deposits, loans, and other banking products.
Entitled Deposit Champion in June 2022 at Habib Bank Limited for deposit growth and customer acquisition.
Honored as Banca Convention 007 Master Blaster 2021 by HBL for top performance in banca sales.
Participated in Banca Convention at PC Bhurban in 2022, showcasing leadership and industry expertise at HBL.
Enrolled in WOW Story by HBL in 2022 while recognizing innovative contributions and outstanding performance.
Officiating Branch Manager
Played an integral role in directing daily operations and optimizing branch workflows to improve service delivery and operational efficiency in the absence of the regular branch manager.
Developed and strengthened long-term working relations with key clients to drive branch growth.
Assumed and maintained full accountability for executing corrective actions to address any identified issues.
Recognized as Employee of the Month in 2019 at MCB for exceptional performance and dedication.
Received Spot Rewards in August 2020 at MCB for outstanding contributions and exemplary work ethic.
Attended Banca Conventions in 2018, 2019, and 2020 at MCB, enhancing industry knowledge and networking skills.
Awarded Auto Loan Championship Winner in 2019 for achieving top performance in auto loan sales at MCB.
Won Credit Card Championship in 2019 and 2020 at MCB for highest credit card sales and customer satisfaction.
Achieved Visa Debit Cards Issuance Winner in 2020 at MCB for leading issuance and activation of debit cards.
Credit Officer
Positioned to conduct thorough credit assessments of individual and corporate loan applications as well as examine financial statements, credit reports, and relevant data to determine creditworthiness.
Rendered a keen eye for detail to manage the loan process from application to disbursement while ensuring accuracy.
Created and maintained detailed reports on loan performance and credit risk for the senior management.
General Banking Officer
Met customer needs while facilitating the opening of accounts, posting cheques, and cross-selling bank products.
Delivered high-quality service to the customer by handling inquiries, opening account, and resolving issues while delivering other banking services.
Intern
