Branch Manager

To provide the leadership to your branch with a view to accomplish the financial and service objectives as assigned that shall contributes to the business revenues and strengthens the customer satisfaction. •Undertake detailed planing of the branch functions with focus on acquisition of loans and deposits and operate within the assigned budget.•Gradually build a balance between the loans and deposit so as to achieve the self-funding status of the branch and take full responsibility of the branch as a revenue center.•Act as credit officer and arrange approval of the loans.•Be responsible for the functioning of your branch in all respects including operational and administrative functions.•Organize a procedure for smooth opening and closing of the branch with full assignment of responsibilities.•Organize the collection and recovery process with a view to retain the delinquencies and losses within the specified limits of the assigned goals.•Ensure the execution of financial/functional transactions with utmost efficiency and retaining the integrity of the process.•Undertake planning and execution of cash so as to ensure its optimum availability to meet the days requirement and avoiding inactive / non-productive cash holding.•Arrange for the training of the branch staff and build their professional and leadership potential.•Undertake self assessment on regular basis and prepare the branch for internal / external / SBP audits at any time.

•To provide the leadership to your branch with a view to accomplish the financial and service objectives as assigned that shall contributes to the business revenues and strengthens the customer satisfaction.

•Undertake detailed planing of the branch functions with focus on acquisition of loans and deposits and operate within th assigned budget.
•Gradually build a balance between the loans and deposit so as to achieve the self-funding status of the branch and take full responsibility of the branch as a revenue center.
•Act as credit officer and arrange approval of the loans.
•Be responsible for the functioning of your branch in all respects including operational and administrative functions.
•Organize a procedure for smooth opening and closing of the branch with full assignment of responsibilities.
•Organize the collection and recovery process with a view to retain the delinquencies and losses within the specified limits of the assigned goals.
•Ensure the execution of financial/functional transactions with utmost efficiency and retaining the integrity of the process.
•Undertake planning and execution of cash so as to ensure its optimum availability to meet the days requirement and avoiding inactive / non-productive cash holding.
•Arrange for the training of the branch staff and build their professional and leadership potential.
•Undertake self assessment on regular basis and prepare the branch for internal / external / SBP audits at any time.

o To facilitate business by ensuring that credit applications are processed as per the criteria set in the segment manual and policy changes issued from time to time.
o Credit Manager will also be responsible for certain maintenance functions post disbursement such as maintaining periodic visit MIS, cash receipt ageing MIS, etc.
o Adherence to TAT requirement of CMM & SE Hypo Secured & Cash Against Property applications processing, keeping in mind that services and quality up to the level.
o Ensure all approved cases are eye balled by the FRMU personnel on a daily basis.
o Monitoring the MIS of portfolio caps and ensure that they are within the defined ceilings
o Conduct meeting with the prospective client/applicant at his/her business premises and to develop understanding of business operations and need for funding.
o To supervise the Branch sales / Collections Teams achieve their Sales & Collection targets as assigned by higher management.

o To support the Business in assessing cases for completeness & highlighting discrepancies where present.
o Ensure all customer documentation is provided according to the approved PDD prior processing.
o Ensure all loans approvals are in compliance with the approved product development doc (PDD), SBP regulations and consumer Banking Credit Policies for Standard Chartered Bank.
o Reviewing applications & supporting the Credit analyst in different functions of credit approval & rejection.
o Performing calculations for evaluating the approval/rejection of applications as per the PDD/credit Policy.
o Strengthen the existing fraud control in line with our fraud deterrence, based on verification and application analysis to reduce fraud loss.
o Ability to with stand and handle business pressure form sales and ability to convince them regarding Credit Initiation / verification decisions.

o Worked as a member of a Network Support Team responsible for providing all front line Technology Infrastructure support functions of the largest site in Pakistan having more than 500 desktops and printers.
o Administration of user accounts and policies of Windows NT 4.0 and 2000.
o To identify frequently repetitive faults and implement long lasting corrective action.
o Compile and maintain complete hardware and software inventory.
o Compile MIS of systems availability and response time.