Muhammad Sadiq Yousuf

 Administer of Finance and Compliance documentation and other loan related documentation; facilitate the legal documentation flow between external parties and Business desks.
 Responsible of Corporate & SME Credit Operations.
 Dealing with lawyer & other vendors for Mortgage related matters.
 Administer of customer information and data relating to credit agreements
 Reconciliation of cash accounts, resolving outstanding items in a timely manner of external vendors. Review and remediate breaks and other exceptions of corporate customers
 Ensure that the lines are made available & the facilities processed as per approvals
 Responsible for obtaining and maintaining the collateral coverage and other covenants as per the approval.
 Eliminate internal audit points.
 Perform any other job as requested by Management.

 Creation, Issuance & Monitoring of credit lines for Corporate/Commercial & SME(s) customers according to Credit Approvals in core banking system.
 Earmarking/Blocking and De-blocking of Financial Institutions treasury lines as per CRM approval in a separate treasury system.
 Generate overall lines for Fleet Financing in core banking system (Flexcube 6.3)
 Monitoring of Bank’s Treasury lines.
 Review Credit Proposals for update exceptions for required documents as per approval conditions.
 Creation of Agreements(Documentations) related to SME & commercial.
 Managing Client Information for timely preparation of overall Credit Information(CIB) data of corporate/commercial & SME(s) borrowers to Central Bank on monthly basis
 Ensure all policies and rules and regulation guidelines and practices are complied with before sending the data so Central Bank.
 Timely verifies invoices & payment of vendor’s bills & recovery from customers.
 Reconcile various GL Accounts.
 Responsible to assist business department to their quarries related to customers’ exceptions & deferrals.
 Prepare reply letters for financial institutions against their query related customers & vendors.
 Generate and review auditors’ letter of credit for customer’s 3rd Party Auditors.

 Remittances (Local)
 Clearing of other Bank’s cheques.(Branch is Corporate status so there is more than 700 cheques to be processed on daily basis)
 Recovery of Bank service charges from customer’s accounts.
 Online transactions (Payment of Credit cards)
 Officiating Operations Manager.