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خلاصہ
Now working for soneribank main Karachi region previous experience in ABL and MCB bank worked In the capacity of Credit Hub Manager in old city area branches, Risk RBH South West Circle in MCB Bank Ltd (Since Aug 01, 17 till Date).(From June-Aug 2017): Previously served in Banks Alfalah Limited as an Associated Relationship Manager and was responsible for generating NTBs and credit operation sales volume. Previously derives as Credit officer -OIC Advances dept, Habib Metropolitan Bank Limited, Subsidiary of HBZ Switzerland. (Dec 2011-June -2017). Other Previous experience Position Officer , Trade Finance (Imports and export Trade finance department). KASB Bank Ltd (2007-Nov 2011). Other Previous experience Relationship Officer Branch Banking in Bank Islami, previously named as KASB Bank LTD. Key Functional Areas. (BANKING EXPERTISE) Credits Administration . Trade Finance operation . Treasury Back office desk. Compliance management, ICU. Branch Banking General retail banking core operations. Portfolio -Fund Management. Risk Management. CRMG Risk Unit. Legal affairs and litigation unit RMD. For settlement of NPL. Trade finance operations & Nostro Reconciliation . Account opening/Check book operations. General banking remittance depts, inward , outward funds. Credit sale, business processing . Accounts generation, Kyc, Aml Due deligence. SBP Compliance. Dealing with CAD dept, Documentation. Limit authorization unit . Dealing with Remedial dept for NPL cases. Dealing with credit division. Dealing with bank's legal dept for legal opinion and security collateral acceptance and monitoring. Dealing withholding RM , team leader for business generation. Dealing with muccadum , clearing agents Periodic handling WEBOC FormE,I & SBP export refinance part 1 & 2.
پراجیکٹس
تجربہ
Credit Hub Manager Karachi Main Region
Managing Karachi region main branch of SBL ,of credit advances portfolio of RS .38 billion and trade based relationship of PKR.58 billion
Manager - Credit- WEST CIRCLE RBH-SOUTH
To ensure timely submission of credits limits to ZH/ZCC/MCC and credits head and portfolio management officials. • Build & Manage portfolio of SME clientele including trade, credit retail lending and also responsible for promoting financial solution that ultimately cater the trade market SME clients.
• Acquire new SME clients through various sales and marketing activities.
• Ensure & Maintain Sales productivity through deepening of fund based into non-fund based and from non-fund to fund based exposures.
• Strong demonstrated sales and marketing abilities including cross selling skills.
• Superior client relationship skills.
• General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction.
• Sound credit analysis and accounting skills.
• Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility.
• Must be capable of working well independently and in teams.
• To ensure timely submission of credits limits to ZH/ZCC/MCC and credits head and portfolio management officials.
Managing credit portfolio of huge branch, supervising credit operations.
Monitoring & close-liaison with business unit, legal division, credit division & vendor management unit for pledge / hypothecation of stocks inspection.
Evaluating credit line proposals, one off approvals (OTT Transactions).
Monitoring funded portfolio (FIM/FATR/Running Finance).
Managing Non fund based portfolio (L/C, L/G/ Acceptance/Pledge of stocks) .
Conducting periodic visit of stock warehouse inspection.(Macadam Godown Inspection for evaluating delivery order status as per stock report synchronize with bank/macadam record.
Periodic visit to registrar office and legal bank department for client’s mortgage formalities.
Coordinating with SECP for creating charge and monitoring search report.
Ensure timely
Manager Assets Officiating Unit Head- AVP
Managing 8 members teams of relationship manager and associate Relationship manager
OIC -Credit Officer
Supervision of credit risk operations .
Trade Finance Officer Front Desk
Handling of trade finance operations
Foreign Trade Officer Head Office Centralized Trade Dept
Handling and Processing of trade applications. Handling swift msgs. Checking Trade LC and Processing trade liabilities and maintaining monthly trade statement & reconcile Nostro accounts balances
Relationship Officer Branch Banking
Maintaining sales , generate call reports, handling client customer service , front desk . Reconcile monthly branch closing reports. Maintaining MIS & Provide one window Base swift services to clients.
