a)    MCO

•  Implementation of bank rules and also implementation of SBP prudential regulations as from time to time.


•  Agriculture financing to the clients.


• Verification of all risk involves and Land record for prudent lending.

b)    Assistant Manager Operations (Accountant) & Deputy Manager

• Preparation and generation of monthly, quarterly half yearly and yearly closing reports.


• Implementation of bank rules and also implementation of SBP prudential regulations & ZTBL regulations as from time to time.


• Settlement of Outstanding Audit Paras.


• All the correspondence and drafting relevant to Bank Operations.


• Supervision of Account Opening, dormant accounts, inoperative accounts, all operational matters regarding Unclaimed Deposit Account, AML/ CFT alerts, KYC/ CDD/ EDD.


• Supervision of Reconciliation of deposit accounts and other operational GL Heads.


• Handling of Profit calculation and Profit Posting on deposit accounts


• Issuance, profit posting, balancing and encashment of TDRs. 


• Supervision of transactions of Western Union, X- Press Money and Foreign Se (Home Remittances), and their reconciliation across the country.


• Supervision of Preparation of NIFT Advices (Inward/Outward) to all branch across the country on the basis of Log Activity Report being generated through Dongle provided by NIFT (Pvt.) Limited). Simultaneously reconciliation of NIFT Operations with ZTBL Treasury Office Karachi as well as with the branch across the country.


• Supervision of handling of all types Locker’s Operations (Opening of Locker, Annual Rent, Insurance and issuance of notices to the client for collection annual rent).


• Supervision of Payment Monthly Pension to the clients, maintenance its record at branch level and its reconciliation with Head Office.


• Supervision of payment all the Retirement Benefits on the directives of HROD.


• Supervision of destruction of old record of the Bank.


• Monitoring of scrutiny of all transaction of all types of vouchers with general ledgers and computer output (GL Move/ Day Book).


• To greet all types of customers, facilitate them after identification their queries, issues & complaints.


• Handled different schemes of the bank like Hajj Applications, Benazir Tractor Scheme i.e their documentation, reporting to the concerned quarter.


• Hajj refund to all branches across the country for payment to Unsuccessful Hajj applicants.


• Use of Oracle ERP (Enterprise Recourse Planning),


• Use of Oracle Internal Credit Risk Management System (ICRMS),


• Use of Oracle Centralized Branch Automation System (CBAS),


• Use of Oracle Centralized Payroll Management System (CPMS),


• Use of Oracle ATM Transaction Monitoring System (ATM operations, its balancing and cash replenishment),


• Use of Oracle Employee Fund Management System (EFMS),


• Use of Oracle Centralized Deposit Management System (CDMS),


• Use of Oracle Personal Chequebook System-PCBS (Supervision of processing and issuance of cheque books, to keep them in safe custody and their destruction),


• Use of Oracle Biometric Verification System,


• Use of Oracle Nadra Identity Verification System - CVD (NIVS),


• Use of Oracle National Identity Verification System (NIVS),


• Use of Oracle Identity Management System (IDMS),


• Use of Oracle Interactive Management Information System (iMIS),


• Use of Oracle Dynamic Integrated MIS (Di-MIS),


• Use of Oracle Security Document Management System (SDMS),


• Use of Oracle Sanctions Compliance Management System (SCMS),


• Use of Oracle Fraud Risk Management System,


• Use of Oracle Disciplinary Proceedings Management System (DPMS).

c)      Centralized Proceeding Unit (CPU)

• Review, scrutiny and processing Centralized account opening at level-I (Reviewer)and level-II (Approver). 


• Monitoring of escalation of long outstanding accounts in process.


• Maintenance of record and MIS.

 d)    Disciplinary Proceeding Department under HR Division

•  Disciplinary Proceedings Management System (DPMS).


• To deal with Disciplinary Proceeding Department cases of Muzaffargarh, Bahawalpur, Bahawalnagar & R.Y. Khan Zones.


• To arrange issuance of charge sheets, show cause notices, formal inquiry reports to the competent authority,


• To deal with Suspension/re-instatement orders from competent authority


• To deal with representations (Appeals) of appellant etc.