Regional Head SAM (Islamabad)
Allied Bank Limited
مجموع سنوات الخبرة :22 years, 8 أشهر
Heading North Group for handling NPL portfolio including Corporate, Commercial and Consumer loans. Responsible for recoveries and litigation in all such cases of the region.
Booking of fresh assets and their Monitoring / Management for Islamabad Region (36 Branches) with a team of Relationship Managers. The segment includes both SME & Commercial / Corporate clients.
Monitoring of assets portfolio for North Group (09 Regions) with a team of RMs. The segment includes both SME & Commercial / Corporate clients.
Joined ABL as Assistant Vice President & Worked as Credit In-Charge of Islamabad Region having 35 branches.
Responsible for monitoring of existing credit portfolio, Booking of Fresh Quality Assets & Risk Assessment with a team of BMs & Credit Officers / Relationship Managers.
Processing and analysis of credit proposals.
Scrutiny/ Analysis of title documents
Analysis of Financials.
Offsite monitoring of credit portfolio.
Monitoring /Implementation of Credit Policies.
Presentation of credit proposal for sanctions/approval. .
Consolidation of advances data on computer based system CIF for SBP.
Preparation of monthly and quarterly statements for submission to P.O and SBP.
Monthly progress monitoring of new relations established.
Visit prospective clients business place for assessment of their credit lines.
Monitoring of overdue and classified advances portfolio.
Local & Foreign Bank Guarantees
Ensure account monitoring reports & Stock Inspection Report.
Miscellaneous correspondence with the branches, customers and with the higher offices
Processing of credit proposals
Tailoring financial facilities for borrowers
Security Documentation
Disbursement of credit facilities & monitoring
Financial statements -Analysis
Credit Reports
Follow up for recovery of Principal and Mark up
Head Office and SBP Returns/ statements for
Credit Information File - Data reporting to SBP
Handling of Different Types of Foreign Currency Accounts.
Methods of International settlements.
Processing of Letter of Credit.
Scrutiny and Lodgment/Retirement of PADs.
Foreign Remittances (Inward & Outward)
Remittances under Special Drawing Arrangements.
Reporting of Monthly Head Office & SBP Returns
Payment/endorsement of cheques, Safe Custody, Lockers.
Inward / Outward Remittances.(DDs, TTs, PO, MT etc)
NIFT System of Clearing.
ATM Operations, Tele-banking etc
Customer Services
Cheque Collections
Issuance and Payment of Rupee Traveller Cheques
Accounts Department and other general banking operations.
Attended short courses & seminar at staff college & State Bank of Pakistan: Export Finance/Refinance (SBP Rawalpindi) Credit Management ATM Operations Handling of Discrepant Documents MCB Car 4U Improving Communication Skills Prudential Regulations Pre Requisites of establishment of LC Different workshops & Seminars.
MBA - Finance with CGPA 3.2
Passed short course of Desktop publishing in Grade A. (MS Office package)
Nine Months training (Theoratical & Practical) at MCB Staff College Karachi in the fields of Credit Operations, Retail Banking, and International Banking. General banking Operations in Priority Circle Branch in Boating Basin, Karachi. Foreign Exchange training in Bunder Road Branch, Karachi. Advances training in Clifton Main Branch, Karachi.
Passed One year foundation and Professional - I in the year 1999.
Completed Graduation in 1st Division securing 866/1300 marks.
Completed Higher Secondry School Certificate in 1st Division securing 687/1100 marks.
Passed short course of EDP in Grade B.