MBA | Incharge Retail Commercial Credit Hub, (VP-II) Bank Al Habib Ltd Vehari, Pakistan
Bank Al Habib Ltd Pakistan
Total des années d'expérience :14 years, 10 Mois
Managing all credit related matters of Area Office branches.
Driving the credit team towards credit and loan targets achievement.
• Managing the credit portfolio, above Rs 1.2 Billion fund based and non-fund based.
• To process & marketing of Commercial/Consumer Financing, Credit Cards/Auto Financing.
• Managing process of Commercial Financing in Cotton Factories, Oil Mills, Rice Mills and SME sector.
• Proposal preparation and arrangements for DAC.
• Mark-up recovery on quarterly bases for commercial and monthly bases for consumer.
• Post approval formalities like Mortgages & Renewal/Enhancement of credit proposals timely.
• Overdue monitoring and timely recovery.
• Timely data submission for eCIB updation and LGs confirmation with other banks.
• Effective monitoring of eCIB of the borrower, Statuary and Banks internal Reporting etc.
• Quality Asset creation by checking Credit Worthiness, Collateral, Character and Capacity.
• Weekly, fortnightly, monthly & quarterly bases/as required, reporting to Internal Management and Regulatory Body.
• Managed the credit portfolio, above Rs 1.300 Billion fund based and non-fund based.
• All as enclosed in Bank Al Habib Ltd.
• Managed credit portfolio about Rs. 2.667 Billion at regional level.
• Credit proposal analysis, received by branches.
• To assist branch credit managers for their proposal queries different reporting.
• Verification of Bank Guarantee issued by Vehari Regional/Area Branches.
• Preparations of Banking Facility Letters, Amendment Letters & Carry over compliance handling.
• Evaluation of SME in order to access the loan requirements, financial position & repayment capacity.
• Custodian of all types’ Regional record like approvals, amendments, age deviations & TER etc.
• In charge of internal & online funds transfer.
• Foreign Remittances & security documents handling.
• Dealing with clearing & collection both inward & outward, with proper balancing the accounts with SBP/NBP.
• Head balancing before day end & checking over all branch workings after day end.
• Handling the operations of dormant accounts.
• Handling branch networking, hardware, software & connectivity related issues.
• Accounting opening as per CDD/KYC of SBP & MCB policies.
• Marketing of Bank’s different products to potential borrowers.
• Dealing with Area Office with respect to different reporting.
• Customer Relationship Management.
General Banking.
Advances.
Remittances.
Foreign Exchange.
UNDER WORLD BANK PROJECT, MIOP by Pakistan Poverty Alleviation Fund at H.O. Islamabad.
Internship supervised by State Bank of Pakistan followed by final viva.
Six months internship offered by The Institute of Bankers, State Bank of Pakistan.
1st Division
Ist Position in Computer Science group.
Scholarship
