Nida Pasha

Currently performing the role of “Manager Credit Risk & Treasury” at International Business, Bank Alfalah Ltd. The primary function is to manage the credit & treasury related matters of Foreign Operations (Bahrain, Afghanistan, and Bangladesh) and to provide support to respective countries.

Review and analysis of credit & treasury proposals of foreign operations.
Reviewing the audit exceptions of Advances & Treasury portfolio for rectification and compliance.
Coordinating with Foreign Operations for submission of Quarterly Contingency Funding Plans .
Coordination with Financial Institution Division & Asset Liability Committee on CRR, NOP, and ADR breaches, Counterparty limits & Dealer Limits.
Review and submission of daily, monthly, quarterly reports of Credits and Treasury.
Review and analysis of quarterly variance reports of credits and treasury and raising queries for final submission.
Coordination with RMD & respective Operations for preparation of Annual Credit &Treasury plans and Counter Party Limits
Maintaining credit files of respective operations for smooth process flow.

 Review and submission of Annual Credit, Treasury plans and Counter Party Limits of respective Operations to concerned departments for approval.
 Coordination with Financial Institution Division & Asset Liability Committee on CRR, NOP, and ADR breaches, Counterparty limits & Dealer Limits of foreign operations after the comments of RMD and timely submission of proposals to CMC.
 Review and submission of monthly, quarterly reports of Credits and Treasury to respective departments.
 Reviewing credit proposals, raising queries and coordination with respective operations and Credit Division for approval in minimum TAT.
 Review and analysis of quarterly variance reports of credits and treasury and raising queries for final submission to concerned departments.
Additional Assignments:
 Analyzing & reviewing new initiatives pertinent to various Departments of Division and keeping the follow-up for timely implementation and highlighting the issues if any.
 Liaisoning with various Departments of Division and Foreign Operations for any support required with respect to IT, HR, ATO, Finance etc. Play role as a buffer to ensure support required by the various Departments of the Division for timely action.
 Keeping control of submission of Weekly status report by every department of the Division to keep track of projects in process and for the review of GM.
 Playing role of Support Coordinator for all HR related matters (JDs, Goals, Appraisals, Loan Applications, leaves, Hiring) with Department employees.
 Tabulation of pending tasks, minutes of the meetings for GM’s review and expediting various projects with the efforts of concerned Departments.

• Worked as Credit Analyst - Mortgages South Region (Karachi, Hyderabad, and Quetta) at Consumer Finance HUB-Bank Alfalah Ltd, Karachi.
• Reviewing the proposals received from branches.
• Raising queries and completion of documents in case of discrepancies.
• Reporting the MIS of approvals to Head office on monthly basis.
• Feeding of CLP’s on T-24 and getting electronic approvals.
• Getting loan approvals from approving authority in minimum TAT.
• Maintenance of centralized files at Head Office-Central Processing Unit.
• Worked on policy making and credit structuring on Home Loan proposal at Bank Alfalah Ltd, Consumer Finance Hub.

• Worked as Relationship Manager, Mortgages at branch level.
• Handling of walk in customers and providing them initial product information.
• Keeping follow-up with the potential customers.
• Completion of documents as per approved checklist and processing of credit proposal.
• Verification of credit history.
• Correspondence with Head office and approving authorities to get timely approval.
• Disbursement of loan and recovery of installments on monthly basis.
• Follow-up with the customers in case of any delayed payments and reporting the bad loans to Centralized credit information bureau of the bank.
• Efforts to minimize the ratio of bad loans and recovery of stuck payments.
• Maintenance of Credit Files.
• Reporting of credit portfolio, NPLs & Watch list account to risk and Consumer Loans Department.
• Feeding the CLPs on T24 and getting electronic approvals.
• Inputting the related information in ECIB software for centralized reporting on monthly basis.
• Custodian of post dated cheques.
• Compliance of audit objections and rectification.
• Worked in Home Finance Department on special assignments at Bank Alfalah Ltd, Main Branch Karachi.

Officer General Banking 2004-2008
Bank Alfalah Ltd

During postings at different branches immense exposure had been obtained in General Banking Operations i.e. Account Opening, Clearing, Remittances and Collection Department.