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概要
• An astute and result oriented Islamic Banker with 11 years of experience in managing varied portfolios of Corporate, Commercial and Retail Banking.
• Accomplished career demonstrating consistent success as a Commercial Banker and Islamic Banking Trainer
• Effective communicator, dedicatedly ethical, trustworthy and discrete with excellent planning and organizational skills having ability to lead, reach consensus, establish goals, and attain results.
工作经历
Branch Manager
Currently Working as Branch Manager in Commercial Banking Department and looking after varied portfolio of Liabilities, Assets and Trade. Job responsibilities includes:
• Managing and leading branch effectively to achieve Liabilities, Assets, Profitability and Trade targets.
• Implementation of superior customer service standards, while adhering to SBP and Banks policies.
• Plan annual sales targets for the liabilities and SME business of the branch based on Bank’s annual target, ensure ‘best-in-class’ customer service standards for the branch including handling consumer finance customers.
• Ensure office discipline, dress code and overall statutory and business controls for branch processes and compliance
• To attain and retain excellent Audit Rating in internal, Shariah, SBP and External Audits
Area Incharge/Coordinator - Commercial Banking
Worked in commercial Banking Department as Area Coordinator (Corporate, Commercial and SME). Managing/Coordinating Deposit and Financing portfolio of PKR11.00 Billion and PKR2.50 Billion respectively. Job responsibilities were:
• Assist Area Manager in managing and meeting assigned targets for branches under control.
• Facilitate the AM in implementation of all policy and procedures and other guidelines issued from Head Office and other regulatory authority.
• Coordination of overall branches issues, monitoring, evaluation of operational matters of assigned branches.
• Coordination with branches regarding the issues related to monitoring and evaluation of existing and potential (Trade & Finance) business of assigned branches.
• Assisting in audit performance of assigned branches and
• Helping in reviewing and monitoring Liability and Asset sides of the assigned branches in the Area.
Relationship Manager - Commercial Banking (Assets)
Worked in Corporate and commercial Banking Department as Relationship Manger. Job responsibility were:
• Marketing of potential corporate and commercial customers
• Initiation of credit line proposal for Corporate, Commercial and SME customers with special emphasis on capacity to borrow, market reputation, future cash flows, financial analysis, security analysis, Credit worthiness reports and profitability of the proposed transaction.
• Financial analysis of existing / prospective customers to evaluate their financial standing and capacity to raise / repay the loan.
• Analysis of drawing power according to client working capital and profitability analysis
• Evaluation of Customer’s Needs and offering a suitable Islamic Banking Product accordingly.
• Monitoring of classified portfolio, and record of provisioning of loss as per SBP regulations.
• To coordinate with internal, external, Shariah and SBP audit teams and also to ensure the compliance of SBP instructions.
