Hafiz Muhammad Hamesh Gul Khan

Branch Operations Manager at FINCA Microfinance Bank

• Pakistan
• My current job since February 2017

Relationship Manager at NIB BANK LIMITED

• Pakistan - Multan
• December 2011 to November 2015

Core responsibilities include:

 Manage sales of bank products, new business, operations, customer service, and teller activities at tier one banking centre and work with regulatory compliance, internal policies and procedures.
 Supervise, training, and coaching of 2 customer care representative and 5 personal bankers; lead team of 5 bankers and oversee monthly sales figures to determine if goals were met.
 Generate new business through presentation of bank products to customers and follow-up.
 Provide loan counseling to clients, reviewed overdrafts for branch and created investment portfolio.
 Prepared month-end reports for managers and helped identify and resolve any problem that occurred.
 Trained new employees and played key role during several banking conversion and operational help.
 Financial analysis, evaluation & recommendation of SME/Commercial credit relationships
 Consumer finance - Home/Auto/Personal
 Cross Selling of other banking products which includes Bancassurance, Direct-Pay etc
 Acceptable Audit Rating
 Liaison with customer on different queries.
 Preparation of MIS
 Worked as Relationship Manager, handled various SME/commercial relationships for the bank, portfolio of PKR 250 Million. Relationships include large local commercial and small/medium size companies in various industries


Marketing

 Solicitation of new business (credit, depository, commercial finance and trade finance) and development of existing portfolio (enhance earnings/ROA).
 Maintaining day to day contact with senior/middle management and structuring problem specific financial solutions for commercial obligors.
 Devising short term and long term account strategy. Negotiating pricing, business volumes with the clients and identifying new opportunities.

Operations Officer at NIB BANK LIMITED

• Pakistan - Multan
• December 2007 to December 2011

Core responsibilities include:

Account Opening & Maintenance
 To ensure all required docs are available prior to opening accounts.
 Perform black list check internally, in central bank black list system while opening personal and corporate accounts.
 To image the customer signature correctly and with the appropriate signing instructions as per customer request.

Transaction Processing
 Process balance order / standing order instruction as per customer request.
 Process stop payment of cheque requests within the stipulated time frame.
 Inward FTT encashment through Nostro and Vostro
 Process the dormant account activation and documentation.
 Process mark decease accounts and reporting.
 Process of locker operating and maintenance of record.

Investment Operations
 Open and close investment accounts for the existing NIB customers.
 Process entries for subscription and redemption in customer accounts.
 Preparing SWIFT instructions and liaising with custodian & wealth management.
 Process investment & bancassurance related standing orders.

Clearing & Remittances
 Monthly balancing of contingent liabilities
 Issuance / Payments of Foreign TTs and DDs
 Daily reporting of ATM & SBP.
 ATM Operations
 Cheque book handling & balancing
 Manage cash dealing / transaction with area branches and SBP.
 Foreign payments through Home Remittance, western union.
 Issuance of term deposit.
 Supervision of Operations & Customer Services
 Clearing settlement with area (seven) branches

Junior Accountant at Food Festival

• Pakistan - Multan
• January 2007 to December 2007

 Perform general ledger accounting
 Develop monthly statements
 Draw up monthly sales report
 Compile inventory reports
 Organize checks and deposits
 Bank reconciliations
 To maintained accounts payable & Receivable.