Iftikhar Ahmed

Branch Manager at HBL

• Pakistan - Sialkot
• May 2006 to May 2016

Duties and Responsibilities:

• Achieve assigned product sales, cross sale & other targets.
• Identify & map the target market within the branch area to effectively guide the branch sales staff to acquire business. Identify new business and develop and monitor existing relationships so as to maximize revenue for the branch.
• Achieve the set targets in terms of building assets and liabilities and revenue budget of the branch and provide guidance and support to branch team members with their marketing efforts.
• Interact effectively with other divisions to facilitate approvals & the quick processing of loans, cards & transactions. Provide a high level of customer service & ensure customer satisfaction.
• Keep complaints to a minimum & ensure quick resolution of complaints.
• Ensure that all customer complaints that cannot be resolved immediately are escalated to the Customer Care Department within the stipulated timeframe. Ensure that all applications & transactions are checked and rechecked to reduce error rates in transaction & account processing.
• Improve knowledge levels of self & reporting staff for products, processes, systems, continuously learning & updating self & reporting staff & by training staff.
• Adhere to the banks policies & procedures & compliance requirements & maintain a high level of operational standards. Consistently achieve acceptable risk ratings.
• Ensure that all audit recommendations are implemented within the maximum period stipulated.
• Maintain high levels of staff motivation in the branch. Actively participate in corporate promotional activities, primarily to promote retail products and services
• Review debit balance or overdue accounts and ensure regularization / closure of such accounts. Ensure proper reporting of suspicious transactions of any accounts at the branch and review dormant accounts regularly. Ensure strict compliance with money laundering guidelines and ensure that only legitimate funds are accepted.
• Monitor & ensure proper maintenance of branch premises and highlight security concerns to relevant authorities. Ensure surprise cash / security checks & all checks as per Policy are carried out at the required frequency and that all control mechanisms are in place. Ensure branch reports are checked & action taken as required.
• Monitor the employee leave plan and ensure there is no backlog on unutilized leave and proper leave cover arrangements are in place. Monitor & ensure staff sign in, attendance, and discipline.
• Conduct daily huddles & weekly staff meetings to encourage smooth flow of communication both within and outside the branch and to update branch staff with management decisions, monitor and guide staff on sales, service & operations.
• Credit limits, consumer products like personal loan, auto loan, credit cards and Banc assurance
• Perform any other duties or responsibilities consistent with the role as assigned by management.