Manager Asset Sales
Kushhalibank Limited
Total des années d'expérience :19 years, 10 Mois
Developing Sales Strategy and plans for microfinance secured and unsecured lending products.
Monitoring and evaluation of sales performance (Acquisitions, Recoveries & Write Offs) against benchmarks.
Extensive visits to branches and field areas for on ground performance monitoring.
Ensure periodic training and counseling sessions to field staff and managers.
New product rollout planning and execution.
Documentation review for Secured products.
Planning and execution of Branchless Banking Projects, currently recoveries through Omni platform.
Development of incentive plans and motivational strategies.
Undertaking above responsibilities on country level consisting of 3 Regions, 12 Areas/territories and 109 branches.
Promoting Sales and Marketing activities of the Home Finance products including;
Initial processing including communicating the client loan requirements, application and execution of initial contracts
Coordination with the approving authorities for completion of application process and facilitating the disbursement of funds to the client.
Establishing and maintain existing Corporate relationships.
Screening of fraudulent cases at all levels of loan application processing.
Liaison with Legal Council of Bank, income estimators and property valuators.
Supervise in collection and recoveries of non performing loans, 100 % results in regularizing chronic non performing loans.
Quality assurance of services and operations.
Execution of loan agreements and mortgage deeds etc.
Completion of all sorts of post approval & pre disbursement of loan formalities.
Compliance of sanction (approval) terms, Bank Alfalah’s Home Finance Policy and SBP Prudential Regulations.
Archiving of Contract files and its related MIS’s.
Final Check of credit file and Disbursement
Authorization to Branches and Consumer Finance Centre (HUB).
Execution of Contracts/charge and Title documentation.
Retrieval of Title and Supporting documents from external Agencies/Authorities (Revenue Record, Authorities and Cooperatives).
Completion of Mortgage formalities.
Interaction with 14 Conventional, 4 Islamic Branches and Consumer Finance Centre for H.F cases and disbursements in Rawalpindi, Islamabad and Peshawar.
Periodic review of portfolio (800 cases).
Liaison with BAL Approved Law Firms.
Daily MIS reporting to Head Office.
Execution of Charge and Title documentation.
Recording and archiving Contract files.
Completion of Mortgage formalities.
Archiving and recording of Charge and Title documents.
Business Development.
Opportunity Exploration.
Communication with Principle and Clients (National/Foreign) (Telephonic & written).·
Maintaining working relationship with governmental/private clients.
·Obtaining orders.
·Order execution and documentation.
·Consultancy to clients for supply chain management.
·Attending to client queries.
·Support and solutions.
Internal Communication:
·Report writing & support to Manager.
·Updating record.
- Monitoring all Marketing activity.
- Marketing strategy and business opportunity exploration.
- Interviewing candidates.
- Candidate assessment.
- Managing internal schedules.
- Correspondence with national clients.
- Communication with foreign universities.
- Departmental Tour Management.
- Delivering Presentations.
- Updating MIS.
CGPA: 3.23
CGPA: 3.32