Officer - Monitoring & Control
United Bank Limited
Total years of experience :15 years, 10 Months
Conduct various exercises relating to branches from time to time relating to Customer Service &
Profitability, Administrative, Compliance &
Control, Monitoring. Act as one of the key
resource for operation & development of
Monitoring Control Software called "Retail
Operations Dashboard”& other projects related
to Operations & Budgetary controls, System User,
HR database. Formulating processes, designing
process flows, detailing Flow Charts (using MSVISIO)
to describe existing & new departmental &
bank-wide processes & composing SOPs of the
same under the supervision of Head Service Channel & Monitoring.
Cleanliness & Presentableness of the branch; Security administration Incharge; Ensuring seamless working condition of the branch; HR related functions for subordinates; Cost Cutting Bank's friend; Keeping close watch over branch suspense & sundry accounts & their timely adjustment/ zeroing out; Observing custodial procedures for vault & safe operation; AOF are complete in all respect as per their respective requirements; Obtainment of documents for walk-ins such as CNIC, point of origination of funds, & purpose of remittance; Reviewing reports such as Major Withdrawal & Deposit (for KYC updation & implementation of AML - Antimoney Laundering procedures), Branch Affairs (for reporting to Regional Office), Daily Transaction List (for reconciliation with vouchers), and Override transactions (for re-confirmation); Deter Window dressing; Staff greets customers with a smile & there is eye contact & queues are being managed effectively; Ensuring Correct Application/ Exemption of charges as per SOC (Schedule of Charges); Service Charges are reversed from dormant accounts, unclaimed accounts are timely reported & transferred & savings account are given the profit for broken period before closure & records are kept for zakat exempted accounts and their marking in the system, release of funds for deceased accounts are policy compliant; Cheque books are ordered/ delivered & activated upon request & their safe-keeping; Ensuring remittance disbursement services like Cash Over the Counter, Xpress money, Western Union, Tezraftar run/ are settled without any gap or hitch; Outward clearing sent through centralized system, Inward clearing is done after application of Call back procedures as per bank circular, Outward Bills for Collection are realized within 72 hours; Customer Complaint resolution management; Any other assignment given by the Branch Manager or District Customer Service Manager.
Clearing: Inward; Outward, OBC
Transfers: Issuance & Payment of Pay orders; Balancing of Branch Sundries.
Issuance of Term Deposit Certificates & Call Deposits Receipts; Performing Inter- Branch Transactions (Online); Posting o Utility Bills & Reporting to HO at Day End.
Audit: Account Opening; Dormant; Stop Payments; Deceased Accounts; Unclaimed Accounts; Rectification of Exceptions raised by Central Audit.;
General: Running Start of Day on System; Locker Operation; Implementation & Updating of KYC, & account information; Issuance of Wizcards; Ordering & Activation of Cheque Books; Marking Stop Payments, Active /Dormant; Preparing Flow Charts for reformation of Branch Work flow; Corresponding with District Office on behalf of Operations Manager; Issuance of Tax / Balance / Account Maintenance Certificates; Reporting of Branch Staff Attendance to Operations Manager & Issuing Warning Letters in case of shortfalls; Assist the Operations Manager in preparing complex Profit calculations & responding Anti money Laundering queries; Any other assignment given by the operations manager & Customer Services Head (South).
1- Analyzing the Financial strength & Credit Appraisal Memo of prospective lessees from Lahore & Hyderabad branch & ensuring the completeness of lease processing documents in case of Direct leases, Sale & leasebacks, Musharika & Advance against leases.
2- Generating Customer Information Bureau (CIB) Report of prospective lessees / borrowers using web-based software.
3- Obtain approvals from the credit committee for respective cases & use MIS (Lease Management System) to input client & lease information.
4- Resolve client queries & fulfill client requirements.
5- Coordinating with branches, CAD & Finance department for legalization & disbursement of the lease.
6- Coordinate with branches for follow-ups of rental recovery & renewal of insurance policies.
7- Process termination & maturity of cases.
8- Ensure compliance of administrative policies in the branches.
9- Any other assignment assigned by Assistant General Manager - Marketing (Karachi) & Regional Head (Lahore).
1st Stage: Financial Systems & Banking Regulations Business Communication for Financial Services Information Technology in Financial Services Branch Banking 2nd Stage: Human Resource Management Accounting for Financial Services Economics Lending - Products, Operations, Risk Management 3rd Stage: Marketing of Financial Services Finance of Trade & related Treasury Operations Management Account for Financial Services Specialization Course 4th Stage: Advanced Risk Management Corporate & Banking Law Financial Planning & Budgeting Anti Money Laundering Specialization Course