Relationship Associate
Industrial and Commercial Bank of China
Total years of experience :8 years, 5 Months
1.Credit writing & Preparation of the Credit Package:
Prepare the preliminary drafts of the credit proposals for the various customers being marketed by the SRM.
Prepare the preliminary drafts for all interim approvals (enhancements, deferrals, waivers, extensions, etc.) as may be required from case to case.
Ensure that all accompanying documents (BBFS, LAF, Financials, CIBs etc.) are available and shall duly verify the contents of such documents for completeness and accuracy.
2.Account Opening Operations:
Assist the RM in opening the accounts for marketed customers.
Responsible for monitoring the timely availability for all conditions precedent and other required documents (such as stock reports, insurance documents, quarterly financial statements) and shall ensure their adequacy and accuracy.
3.Post Loan Management:
Prepare the quarterly post loan management reports in collaboration with the SRM as required by the Credit Policy of the Bank.
4.Customer Service & Marketing:
Identify potential clients in line with the target market of the bank and assist the SRM in marketing and introducing such clients to the Bank.
Accompany the SRM on customer calls and site visits and prepare relevant call reports / site inspection reports.
Respond to basic customer quer es such as account balance, limit availability etc.
Act as an effective backup for th SRM in his / her absence.
Any other jobs / duties as the SRM may deem appropriate for the RA.
5.CDD and KYC
Perfo m Customer Due Diligence and Enhanced Due diligence for the clients, including overviewing the transactions for the purpose of Anti-Money Laundering. Perform KYC for clients to ensure that all relevant documents are in line with bank’s and SBP’s policies.
Top 100 rectifications and other AML related jobs.
6.State Bank of Pakistan Correspondance:
Responsible for getting approvals and registerations of the following cases:
Registeration of Implimentation Agreement
Registeration of Facility Agreement
Registeration of Equity
Registeration of Repayment Schedule
Exchange Entitlement Certificate
Interest and Principal Repayments Approvals
Approvals for remittance of Loan Related Fees
Approvals for remittance related to import payments
Maintaining portfolio of new and existing clients.
Generating revenue from assets selling like credit cards, loans and etc. Opening NTB's.
CASA Deepening.
Selling wealth products and Mutual Funds. Dormancy Removal.
Handling FCC queries. KYC Reviews and updates.
Support the Process for Account Opening and Validation in System.
Making Sure Documents Submitted By Front Officers Are Accurate And Valid Contribute To Efficient Delivery Of Customer Requests, Including, Issuance Of Cheques Book, Cheque Activation, Account activation, Dormancy.
Maintain A Proper Control Of Cheques Book.
Take Action To Report And Request For The ew Stock As Necessary.
Monitor Daily Account Movement And Make Necessary Reports To CSM/BM Assist CSM/BM on Other Operational Tasks As Assigned.
Management Handling Inward Clearing Cheques, Including Signature Verification And Customer Services.
Calling Customers Regarding Returned Cheques and Making Relevant Transactions. Supporting Other Business Units When Necessary.
Branch Score Card Managing. Locker operating.
Branch Audit and Compliance. Transfers Posting.
Processing of Hajj Application. CBC process.
COC/Remittance processing.
Completed Bachelors in Business Administration (Hons) with Major in Finance and Minor in Environmental Policy.