consumer banking employee
Bank Alfalah
مجموع سنوات الخبرة :9 years, 5 أشهر
Professional Banker having more then 5 years Experience In Operation.
Major JD Include.
1-)Cash Handling, ATM Handling, Accounts Opening knowledge (individual, sole proprietor, partnership accounts, Company Accounts, pensioner Accounts)
2-)Customers Accounts amendments (CNIC update, Cell no updating, mandate allotment, Dormant activation, email updation, cheq book apply, Debet Card apply)
3-)KYC update, EDD measures as per customer profile,
3) Account debet block, credit block, stop cheq.
Note:All type of Banking Knowledge
1.Receipts/Payments
2.customers accounts opening
3.various updation of customers quiries in accounts
4.Make pay order
5.CIF/Dorments
6.sunderies accounts work
7. Deals of foreign Remittance
Totally banking knowledge
1 Preparation, consolidation of accurate financial statements on timely, daily, monthly, quarterly and yearly financial results reporting to the Head Office.
2.Record and update sales, receipts, payment and expenses in accordance with company SOP’s and polices in Oracle based software.
3. Ensure proper stock inventory, issuance, receiving and demand creation of stock.
4. Liaison and support to auditor to conduct quarterly, half yearly and annual audit.
5. Implementation of company SOP’s in related work areas.
6.Maintain branch record, customer details, files, transaction support and made available as and when
Require.
7.Prepare weekly, monthly stock, expense, Branch operational check list
8.Taken daily projection of recoveries and sales
9.Motivation to sales team and manage road show, institution show
10.Prepare recoveries sheets of clients
Check the branch repairing works and update to HO
11. Contact to service center regarding customers complaints
12.Push team toward sales and recovery targets
13. Updation of price tags timely according to prices and polices
14. Demand of stock to vendor, HO
15Deposit cash in bank timely
• Adhered to banking standards and government lending guidelines for loan services.
• Recommended approval or disapproval of commercial, real estate or credit loans.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Checked appraisals, title information and insurance documents for each property.
• Organized and finalized loan applications for underwriter review.
• Referred delinquent accounts to collections department or outside resources.
• Oversaw all reporting, documentation and recordkeeping requirements for department.
• Collaborated with management to evaluate credit strategies and develop improvements.
• Wrote and implemented standard operating procedures for credit personnel to ensure consistency in unit operations.
• Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
• Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
• Provided resources and expertise for conversion, validation and training required for company-wide software updates.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Tracked and recorded team expenses and reconciled accounts to maintain accurate, current and compliant financial records.
• Established and developed highly-efficient and dependable administrative team by delivering ongoing coaching and motivation while providing opportunities for career acceleration through achievements.
• Optimized organizational systems for payment collections, AP/AR, deposits and recordkeeping.
• Codified office structures and processes to promote teamwork and performance.
• Oversaw office inventory activities, including ordering and requisitions, stocking and shipment receiving.
• Managed CRM database, including troubleshooting, maintenance, updates and report generation.
• Restructured installation processes and staff teams, boosting productivity by 100%.
• Enhanced collaboration between team members by preparing meeting materials and taking clear notes to distribute to stakeholders.
• Interpreted management directives to define and document administrative staff processes.
• Oversaw appointment scheduling and itinerary coordination for both clients and personnel.
• Managed supervisor itinerary and appointments and streamlined scheduling procedures.
• Helped employees with day-to-day work and complex problems by applying motivational and analytical strategies.
B.com
Diploma in commerce two years
Bio,physics,chemistry