Muhammad Hilal

Responsibilities:
• Responsible for opening of Current & PLS Accounts ( PKR / FCY ).
• Responsible for opening & maintenance of Term Deposits.
• Responsible of Cheque Book delivery and cancellation.
• Responsible for NADRA verification and world check of customers.
• Manage stop payment requests of customers and timely follow-up all outstanding items.
• Management of statements and letter of thanks returned undelivered.
• Issuing Balance confirmation Certificates and Audit Confirmation Certificates of the customers.
• Ensure that customer signatures are captured /amended in the data base on a daily basis in order to mitigate risks.
• Maintain proper record of Account Opening forms, Term Deposit Account Opening Forms and other relevant data enabling easy retrieval in future especially for smooth going of Audit.
• Responsible for issuance of Visa Debit Card and Activation of SMS facility.
• Responsible for ATM Balancing. Managing all types of Annexure regarding Visa Debit Card & Captured Card and their reporting to Head Office.
• Responsible for all types of Locker activities.
 Allotment of lockers, security deposit of lockers and rent of lockers.
 Renewal of rents.
 Letter to the customers for over-due locker rent.
 Balancing of security deposit on daily basis.

• To monitor effective execution of bank policies & procedures in the branch and to ensure efficient, accurate and timely delivery of service and products to the customers and to elevate importance of Service Quality culture among all front back office staff.
• Ensure that all bank customers / walk-in customers are properly greeted and welcomed with smile.
• Ensue that customers are well looked after within the bank’s policies & procedures by providing them personalized service & proper guidance.
• Act as a focal point between branch and Service Quality department at Head Office.
• Assist Operation Manager on preparation of SBP monthly reports.
• Responsible for issuance of Visa Debit Card and Activation of SMS facility.
• Managing Visa Debit Card register and all types of Annexure regarding Visa Debit Card & Captured Card and their reporting to Head Office.
• Marketing for procurement of deposits
• Responsible for opening of Current & PLS Accounts.
• Assists Operation Manager for issuance of cheque books and payment orders.

Having 2 Years and 7 Months experience with ZTBL, I adopted the policies and procedures of Meezan Bank Limited with a spirit and enthusiasm so that I may deliver my services effectively and efficiently. This can be clearly viewed with my achievement as under:
 In Service Quality rating for the YEAR-2011, Branch got 1st Position under Peshawar Area-II branches with aggregate 90.27 marks.
 In the month of OCTOBER-2011, Branch got 1st Position in “Service Quality branch-wise competition” in NORTH & 2nd Position in all over the Pakistan MBL branches.
 Since my joining, the branch has achieved 4 times INDIGO rating (above 90 Marks) till year end whereas previously INDIGO rating was not achieved even once since branch inception.

• Supervision of Current & PLS Account.
• Supervision of Cheque Book issuance and cancellation.
• Responsible for NADRA verification of customers.
• Responsible for all kinds of IT related issues of the branch.
• Responsible for DMS backup of the branch and timely delivery via Hard Disk/ DVD to Zonal Office Rahim Yar Khan and to Head Office Islamabad.
• Responsible for Deposit Management System and eFOCS Accounting & Credit Management System.
• Responsible for posting of Debit & Credit Vouchers and their balancing in the eFOCS system.
• Assists Operation Manager for issuance of payment orders, demand drafts, telegraph transfers and managing of issuance of Debit/Credit advices.
• Preparation of monthly salary of the branch staff, it’s accounting & reporting to Zonal/Head Offices.
• Preparation of vouchers pertaining to PoL, branch rentals, utilities, repairs, etc. and its postings in the System.
• Calculating depreciation on branch assets under bank’s policy and vouching thereof.
• Preparation of Quarterly, Half-Yearly & Yearly accounts statements/returns as per requirements of the Zonal Office/Head Office.

• Assisted in preparation of yearly university budget proposal, planning & variance analysis.
• Assisted in preparation of agenda papers & presentations for the University Syndicate / Senate meetings.
• Assisted in preparation of monthly payroll of the University Employees.
• Assisted in depositing of Income Tax deducted at source under Income Tax Ordinance, 2001 in Govt. treasury.
• Assisted in making of payments to the Vendors/Contractors.
• Assisted in making of vouchers of recurring & capital expenditures
• Assisted Resident Auditors during the course of audits and made compliance of the pointed out irregularities.
• Helped in preparation of Quarterly, Half-Yearly & Yearly statements/returns.

• Responsible for preparation of credit proposals under the program lending and onward submission for approval.
• Intensive traveling in the far flung areas and fetching of the needy clients after convincing them.
• Arranging payments to the clients & helping them in purchase of raw materials, small machinery, animals, etc.
• Responsible for recovery of micro-loans as per pre-fixed installments dates.