Relationship Banker
Tanfeeth
Total years of experience :12 years, 3 Months
.Handling & delivering optimum Customer Service
.Educating Customers on new and existing product launches, document procedures.
.Handling the staff Targets
.Managing the staff to achieve their Targets.
.Excellent retail experience in delivering exceptional customer service
.Excel in customer relationship management.
. Handling the Weekly Rota for the Staff.
.Excellent command on administration skill- Document collection of team, and preparation of rejection report.
.Generating new leads & converting them into sales & achieving sales target.
.Product variety and dealing with different scenarios.
Taking the responsibility of Cash and Auto-Loans.
. Making sure of proper loan files documentation.
.Ensure that loan documents are according to credit approval.
. Responsible for End to End Credit Analysis for SME & Commercial Asset Finance client base.
. Ratio Analysis & evaluating financial performance of a Company.
. Analyzing applicant’s credit history, credentials & customers credibility.
. Annual Review of Credit Policies and Procedures.
. Analyze and process credit proposals and applications of auto loans and personal loans for approval or escalation to credit supervisors within the stipulated TAT.
. Analyze guarantor financial performance when required for certain loan categories.
. Investigate employer and employee financial credibility to minimize potential bad loans.
. Inquire about all clients, guarantors, and employers' credit positions.
. Maintain a minimum percentage of delinquent clients of the total loans portfolio.
.Prepares monthly payroll and bank reconciliation statement.
. Maintaining the General Ledger based on the Chart of Accounts that will be shown in the
financial statements
. Accounts Receivables: Recording of sales, Reconciling with inventory, follow up receipts,
export sales and their receipt, and expenses thereon.
. Accounts payables: Recording of purchases and import, payment made to suppliers and .Reconciling with inventory
. Preparation of Fixed Asset registers and Schedules.
.Work with internal and external auditors during reviews and audits to ensure full cooperation.
I am an affiliate student having cleared my exam paper till P3
Pakistan Higher Secondary School (Ras al-Khaimah) * Higher Secondary School Certificate (HSSC) 2009 - 2010
* Secondary School Certificate (SSC) 2008- 2009