•MANAGER/MOBILE CREDIT OFFICER (OG-II)(17-SCALE) ZARAI TARAQIATI BANK OKARA ZONE OKARA 22nd-NOV-2018 TO Till DATE Practical experience in Agriculture Sector with Sound Knowledge of related PR,s of SBP & Other regulatory Authority. • Advances,Lending,Credits, • Responsible for motivating, identifying carrying out a background check of the Clients/ farmers. • Deal with Clients, credit worthiness, track record with other banks, ability & viability of undertaking/expanding New/existing enterprises, dependence on informal credit source & cash flow etc • Field visits for identification & prospective potential bearing borrowers/existing borrowers for prudent Lending. • Depth Know of major Rabi/Kharif Crops of the area and needs for development loan/farm mechanization. • The Pass Book and/or other security/title documents provided by the borrowers will be examined and its genuineness, the veracity of content will be checked with the relevant records of revenue Authority,Vis-aVis the actual position on the ground by field visits. • Analyses Credit proposal, assign and sanction credit limit with prudent lending • Field visits for disbursement/recovery of the loans in a timely manner to the Clients/farmers as per bank policy. • Procurement of all other allied business of the customers. • Effectively manage the services environment of a branch. • Ensure Inter-Departmental coordination for smooth operations & good working relationship. • Maintaining Branch Client deposits portfolio’s • Deals with Import & Export Clients • All Operational Activities • Personal Loan and Mortgage • Uploading & Resolve discrepancy • Sale Representative of Bank Products • Market Visits for Deposit Mobilization • Liaison with regions/departments to arrange/documents as and when required by external auditors, rating agencies and regulators.

• With extensive practical experience in the Agriculture Sector and a strong understanding of the related public relations of the State Bank of Pakistan (SBP) and other regulatory authorities, I possess a deep knowledge of agricultural advances, lending, and credits. Responsible for motivating, identifying carrying out a background check of the Clients/ farmers.
• Manage client relationships, assess creditworthiness, review past performance with other financial institutions, evaluate capability and sustainability of starting or growing businesses, consider reliance on informal credit sources, and analyze cash flow projections.
• Perform field visits to identify and assess potential borrowers or existing borrowers with the aim of making prudent lending decisions.
• Familiarize myself with the primary Rabi and Kharif crops grown in the region, as well as the requirements for obtaining development loans and farm mechanization assistance.
• The authenticity and accuracy of the Pass Book and/or other security/title documents provided by the borrowers will be verified through field visits and cross-referencing with the revenue Authority's records to ensure their genuineness and accuracy.
• Thorough analysis of the credit proposal is conducted, and a credit limit is determined and sanctioned with a cautious approach to lending.
• Loans are disbursed and recovered from clients and farmers through field visits, ensuring adherence to the bank's policy and timely execution.
• Procurement of all other allied business of the customers.
• Efficiently oversee the operational aspects of a branch's service environment.
• Facilitate collaboration between departments to enhance operational efficiency and foster positive working relationships.
• Managing client deposits for branch portfolios, handling import and export clients, and overseeing all operational activities.
• Uploading and addressing discrepancies in sales of bank products, as well as conducting market visits to increase deposits mobilization, are key responsibilities of the Sales Representative.
• Collaborate with various departments and regions to organize and prepare necessary documentation for internal/external auditors, rating agencies, and regulators as needed.
• Once a farmer or non-farmer in the designated area has been identified, the credit needs are assessed and a feasibility report is prepared, along with the standard application form and other loan documents required by the bank. This ensures a focused approach for disbursement under the new lending scheme and guarantees the proper utilization of the funds.
• With a wealth of experience, I have conducted numerous internal and external audits to uphold bank SBP standards. My keen eye for detail and robust analytical abilities enable me to effectively pinpoint and resolve any compliance issues that may arise.

RELATIONSHIP MANAGER OG-3-MCB CIRCULAR ROAD
20-DEC-2016 TO TILL DATE

• Account Opening
• Advances,Lcz,Trade,Import & Export,Credits
• Bank insurance
• Market visit for deposits and consumer products
• Market visit for New to Bank Account
• Market Visits for Deposit Mobilization
• Mortgage and Personal Loans
• Cold Calling and Tele sale
• Handling Dormant/closed/inactive Accounts
• Sale Representative of Bank Products
• Handling, Clearing, Cash & Foreign Currency • Auto Loan
• Credit Card
• Personal Loan and Mortgage
• Maintaining WAPDA (Hydral&Nishat& A.T ALFA) accounts
• Maintaining Branch Client deposits portfolio’s
• Floor Managing and customer greeting
• Multiple Currency Exchange Handling
• Account uploading & Resolve discrepancy
• Operational Activity Resolve via Email
• Resolve all kind of accounts discrepancy

 Account Opening
 Market visit for deposits and consumer products
 Maintaining Accounts of Royal Clients
 Sale Representative of Bank Products
 Maintaining Branch Client deposits portfolio’s
 Maintaining WAPDA(Hydel & Nishat) account with branch manager
 Floor Managing
 Credit Card
 Bank insurance
 Auto Loan
 Account uploading & Resolve discrepancy
 Inward&Outward Clearing
 Maintaining All the vouchers
 ATM Vouchering/Cash Inward Outward
 Cash Lifting
 Operational Activity Resolve via Email