Accountant (Receivables & Banking Relations)
AZIZI Developments LLC
Total years of experience :18 years, 3 Months
• Overseeing accounts receivables team (8) & resources in regular operations of Azizi Developments entire branch network & local and overseas events.
• Managing banking relationships for smooth function of the department. \[Escrow & Non-Escrow Accounts activities/Cash & Cheqeus (CDC/PDC/Bonused/Special Items) Banking and reconciliations/all types of E-channels/E-machines maintaining/Cheque Scanning process/POS Machines/Secured Links\]
• Regularly MIS/Analytical reporting to top management(CFO/CEO). \[Department’s all mode collections with analysis/reconciliations/invoice adjustments/deviations from credit/collections standards\]
• Interdepartmental coordinating and financial resourcing for various requirements. \[Noqodi(emaratech)/AP Team & Special cash requirements /Spiffs /Providing Financial Information (HR, Audit, Sales, CRM, Documentation, Contract, Legal Dept.) Issuing Payment Clearance Certificates (PCC) for handover Projects/Follow-up collection deviations daily reported against actuals\]
• Monitoring books in respective account activities: \[Cash/Bank/Credit Cards reconciliations, Tally and ePMS (ERP System) transaction listing approvals, Noqodi wallet A/c, Reclassification, Off Plan Unit related adjustments (Unit Swap, Unit Cancellations, Data Migration, Sales Price Change, Payment Plan Change, Customer Refunds)\]
• Handling Chairman’s direct rental units and related activities and co-ordinating with respective departments/personals. And any other special assignment given by CFO or Top Management time to time.
• Manage an assigned portfolio with existing commercial clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets in both Commercial & Consumer Banking. (Engaging in Credit Analysis, Financial Analysis, Appraisals, Credit Underwriting, Monitoring, Collection, Recoveries)
• Managing and building relationships with key Customers and developing new businesses based on market understanding and analysis with full responsibility of the overall relationship delivery team of professionals dealing with large accounts and significant relationships.
• Regularly review the market to identify opportunities and trends in allocated segments, develop forecasts and business plans lies with the VP. Provide professional advice on products and services to customers and business leads to other units to ensure the realization of business opportunities.
• Engaged in SME, Retail, Commercial & Development Banking Credit Portfolio Management - Credit Analysis, Appraisals, Credit Underwriting, Recommendation, Monitoring, Collection & Recoveries. Expertise in Financial Analysis, Project Analysis, Accounting & Reporting, Ms Office Packages, Corporate payroll relationships. Expertise in All Personal/SME/Trade Banking Products, Procedures & Branch Banking Operations - Cross Selling, Legal aspects, Systems, Handling Different types of situations and Client including HNWI.
• Lies with the Vice President/SRM to ensure preparation along with Credit Assistants/Junior Staffs for compelling credit proposals that will meet the policies and customer needs and negotiate their acceptance. Proactive management of relationships with customers and take personal responsibility for the establishment and maintenance of key relationships to leverage business achievement.
• Performing loss mitigation and recovery activities regarding delinquent or Nonperforming advances in accordance with Bank and legal guidelines within the legal regulations.
• Routine outbound collections calling process and frequently requires guidance on non-routine situations; ensures attainment of individual, department and Bank-wide goals to minimize loss and enhance loss recovery; performs collection activities for multiple products, utilizing various systems and methods; participates in the early, mid or late stages of the collection process to include loss mitigation, foreclosures, repossessions, recovery.
• Performs a variety of routine daily tasks; reviews reports prepares correspondence; participates in special projects. Coordinate with Subordinates/Peers/Branch Manager/Regional Manager/SVP, Customers and representatives, follow-up through telephone, e-mail, written and in-person visits to the respective locations.
• Working with many internal departments, Legal, Recoveries, Risk, Quality Assurance, Special Loan Administration, and Regional offices. Also with external parties, Police, Mediation Boards, Courts and legal officers and attending courts proceedings.
• General Administration - Support to Senior Management (AVP/RM/SVP in respective Regional/Branch/Business Units/ Strategic Units) for KPI target achievement activities with BDM/BDE/ROs. Mentor the junior staff under preview, motivation in a result driven competitive working environment compliance with regulatory & institutional policies towards the goals of the Strategic Business Unit.
RESPONSIBILITIES AS CREDIT OFFICER/CREDIT ANALYST IN CREDIT DEPARTMENT
• Manage a portfolio of credit accounts and prepare new/renewal credit proposals (Credit, Financial & Risk profile Analysis) obtain approvals, establishment of credit limits and authorization of disbursement.
• Monitoring of daily excesses of C/A’s TODs & PODs, handling of exception requests liaise with approval authorities to maintain healthy level; Monitoring of daily critical transactions, establishments & expiration relates to the credit operations.
• Maintaining strong relationship with client by periodic visits/contacts, monitoring/participating regional business & economic activities, competitors’ engagements to grab new opportunities.
• Ensure that preparation and submission of compliance requirements, MIS reports with supports of Junior Staffs. Lies with Internal & external Personals/Institutes for the general routing operational works of the Credit Unit of the Branch.
• Take necessary actions to reduce NPA & preventing existing facilities fall into NPL category by Monitoring/Visits/Calls and restructuring or any other required recovery actions based on requirements and situation.
• Develop collection strategies and action plans for problematic loans to achieve the assigned recovery targets. Prepare detailed analysis and provide recommendations of the collection and Implement recovery plans that minimize risk and loss to the bank.
• Negotiate with borrowers, attorneys, and companies to review and re-structure credit and repayment terms. Interact with the spectrum of bank customers experiencing financial distress; displaying tact and persuasiveness.
• Seek to minimize out-of-pocket legal and non-legal expenses from debtors whenever possible; maximizes loan recoveries and fee income. Ensure that maintain accurate records, files, and reports on all collection activity. Attend small claims court/mediation boards/courts, repossession, auction proceedings.
• General Administration - Ensure that all operations of the credit department under purviews are in fully compliance with the guidelines prescribed by the Bank. Develop and motivate the staff coming under purview, in liaison with the branch manager. (KPIs and all other ethical measurements)
Key Responsibilities in Branch Operations:
• Responsible for the assisting to the Branch Manager for administration and efficient daily operation of a full service branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the Bank's objectives.
• Perform duties in the absence of the Branch Manager or other such management capacities as directed by the Top Management.
• Develops new deposit and loan business (SME, Retail, Commercial and Project Finance); achieves individual and branch sales goals through new business sales, referrals and retention of account relationships. And participates in community affairs to increase the Bank's visibility and to enhance new and existing business opportunities.
• Provides leadership, training and supervision; delegates day to day operations to the Operations Officer or other branch personnel. And responsible for attaining established Bank and branch goals through active participation in sales management and officer call programs.
• Supervise all operational functions are carried out by the staffs in Cash, Clearing & Front line accordance to the prescribed bank guidelines. (Tellers/Customer Service Assistants/Banking Trainees/Office Assistants)
• Supervision & Validating of processing of all complex financial transactions/vouchers of the tellers ensuring that, carrying out in an accurate manner and efficiently accordance with the guidelines.
• Handling operational incidents/inquiries/proposals by safeguarding bank’s image and ensuring that the systems and procedures prescribe by the bank are duly adhered to, in all the areas of operations. (AML Guidelines, Exchange Control Guidelines other Regulative requirements)
• Ensure the maintenance of records for accounting & reporting purposes and periodical submission in accordance with audit/regulative guidelines. \[VAT returns, With Holding Tax (WHT), Inland Revenue & Courts Orders, Central Bank foreign exchange submissions (E Forms), etc.\]
• Branch cash management; (Day-end Logging, Obtaining Insurance, Sending/Ordering excess/shortage cash from Central Cash Department or other authorized banks in the region upon approval) and safekeeping of relevant safe keys & combinations.
• Replenishment and reconciliation of ATMs attached to the branch and lies with vendors/departments/card center to ensure smooth functioning of ATMs.
• Supervision of staff under my preview with regard to their attendance, punctuality, work output, performance levels, accuracy, speed, quality of output, customer interaction, and other traits relevant to the discharge of their duties.
• Liaise with the Branch manager, Head Office departments and other relevant regional units to formulate the branch plans in relates to the branch operational area and to ensure that the resources are managed effectively & efficiently.
• Provide the required conductive environment and service for effective and quality customer care. And Maintaining discipline and decorum in the operations department at all times.
• Any other work assigned by the top management of the bank time to time.
• Provide analytical and administrative support to Credit Officer/Executive Officer in order to effectively manage portfolios of accounts, prepare credit proposals and to manage troubled/challenged credits.
• Conduct detailed financial analysis to support the structuring, execution and implementation of SME, Retail Banking, Commercial Banking and other banking solutions.
• Follow up on post approval administration to ensure Credit Officer/Branch Manager has access to accurate and up-to-date client information/other required information.
• Draft and coordinate relevant documentation and departmental processes in order to enable Credit Officer to focus on relationship management and business development activity.
• Respond to and ensure appropriate follow up of client inquiries to ensure customer satisfaction is achieved, maintained and that any issues are resolved.
• Assisting to the Recovery officer/Manager to all routing activities relates to the challenged credits/accounts by monitoring, reminding, documentation, court proceeds, repossession and other MIS reporting and assisting to handle customer and internal/external inquiries related to credit/recoveries.
• Marinating all related files correspondence related to recoveries, monitoring, daily follow up, reminding to due/past due borrowers by calls, emails, drafting letters and other correspondences, assisting to the recovery officer in all recovery activities and any other assignments.
• Engaged and assist to the executive officers for all other new business development/credit account opening/banking system activities & procedures and coordinate with internal units/personal to deliver a excellent services to the clients.
• Assisting to the EOs to organize all new business development activities and actively participate for grab new sales opportunities.
Key Responsibilities: In the Operations Department of Branch Banking (Rotational Basis)
(In Branch Cash Counters - Teller)
• Provides accurate & efficiency account services to customers; receiving cash deposits, loan payments; cashing checks; savings NRFC, RFC, withdrawals; utility bill payments; Cash transactions in foreign remittances including Combank E-Exchange, Money Gram, RIA; Encasements of foreign currencies (Average 350 vouchers per day)
• Facilitating large cash payments and bulk deposits for range of clients; arranging excess cash/mutilated cash/coins to send to central department/head office vies versa.
• Cross-sells/referrals for bank products & services by answering inquiries; informing customers of new services and product promotions; ascertaining customers' needs; directing customers to relevant departments.
• Assisting to the supervisor for general operations, ATM replenishments and reconciliations.(3 ATMs)
(In Branch Clearing and Accounts Relations Counters - As Teller/Bank Service Agent)
• Provides account services to customers by receiving Cheque deposits; Posting Bank’s Own Cheques upon squinting as the prevailing guideline/operating instructions and regulations (Average 250 Cheques per day).
• Preparation outward clearing badges to Central Bank (Lanka Clear Ltd) for realization to respective collection accounts by keeping records. (Average 300 Cheques per day)
• Processing SME client’s salary Cheques requests through the Cheques in transit account upon realization; Handling Local Bill purchases (LBP). Handling all Cheques related inquiries; Returned Cheques, Postdated Cheques monitoring & depositing; client inquiries & internal credit officer’s inquiries.
• Processing interbank transfer requests via SLIPS and RTGS; Handling manual Standing order requests for preparation of Official Cheques/Bank Drafts and dispatching.
• Preparation of periodical returns/approvals memos such as LBPs as the bank’s policy/operational guidelines.
(In Branch Front Office Counters - As Customer Service Assistant)
• Providing Customer services, Cross-sells bank products & services by answering inquiries; informing customers of new promotions; ascertaining customers' needs; directing customers to relevant departments.
• Opening of new account/New services according to meet the needs of the clients. (Savings, Current, Fixed deposit, Minors A/C, Insurance, NRFC, RFC and other Foreign currency accounts).
• Handled all banking liability products and services related adjustments such as addition, closure, stop payments, and accounts transfers, updating the bank database according to prevailing guidelines.
• Handled all other client inquiries and cross selling the various services (E-Banking products, Online Banking, Mobile Banking Products, Current account services Sweep/ZBA facility, Electronic Cards, ATM cum Debit Cards, Internet cards)
• Handled all inquiries on travelling and foreign currency related transactions, banking solutions. (Issuance of Foreign Currencies, Traveller’s Cheques, Traveller’s card and topping up servicers, Telegraphic transfers via SWIFT, Collection issuance and purchase of Foreign Bank Drafts)
• Any other assignments given by the Supervisor/Branch Manager.
Responsibilities at HNB Call Center - Information System Division (Payment Channels)
• Handling Customers issues relating to ATM transactions over the phone.
• Monitoring all ATMs in Island wide HNB ATM Network(More than 450)
• First Line Trouble shooting relating to the ATMs (NCR, Debold and Wincor Nixdorf ATMs)
• Vendor Co-ordination In maintenance, New Installations & Troubleshooting of ATMs.
• Providing ATM Reconciliation & Maintenance Support for Branch staffs
• Handles customer inquiries, follow-up of prospects and reservations to achieve maximum sales results
within the Dealer. (Prepaid/Postpaid Mobile Connections)
• Achieves Dealer sales targets, using Sales Training techniques.
• Promotes and sells the features, benefits and competitive advantages in a customer focused approach.
• Providing training assistant to newly recruited Sales staffs.
Distinction
2nd Upper Class
AIB Qualified The Government & Industry accepted the highest Banking Qualification in Sri Lanka (CBSL)
1st Class
Qualified The Government & Industry accepted the highest Credit Management Qualification in Sri Lanka (CBSL)
Specialized in Microfinance
CCNA Professionals
.
Microsoft Certified Professional
1st Class