Nasir Raza, Branch Manager

Nasir Raza

Branch Manager

Bank Alfalah Ltd

Location
Pakistan
Education
Master's degree, accounting
Experience
17 years, 10 Months

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Work Experience

Total years of experience :17 years, 10 Months

Branch Manager at Bank Alfalah Ltd
  • Pakistan - Bahawalnagar
  • My current job since September 2021

Managed the Branch Office in order to meet the financial services needs of customers in the market area; implemented strategies to achieve goals developed for the office as part of the Bank's overall strategic plan; ensured the office's compliance with operating policies and procedures and outside regulatory requirements. Supervise, coach, and developed Branch staff and New Account/Lending staff regarding policies, procedures, products, systems and banking transactions efficiently.
Proactively sought and followed up on sales opportunities and prospects, including new business.
Participated in sales, service, and product training meetings.
Expanded customer base by utilizing in-depth knowledge of retail services, products, and sales techniques.
Supervised staff and communicated performance expectations to each team member.
Monitored performance plans.
Built team spirit among staff.
Ensured that the audit/compliance procedures of the branch were followed.

Area Coordinator at Bank Alfalah ltd
  • Pakistan - Multan
  • May 2016 to August 2021

• Coordinate assigned tasks related to business projects in the assigned area.
• Organize & attend departmental and area meetings to share business ideas and project status information. Takes meetings minutes and keep notes.
• Generate business reports on weekly, quarterly and annual basis.
• Stay updated on latest banking business & technology trends.
• Organize weekly staff meetings to discuss business updates and issues.
• Provide both clerical and administrative support to professionals, either as part of a team or individually.
• Liaise with staff in other departments and with external contacts.
• Order and maintain stationery and equipment supplies.
• Liaise with colleagues and external contacts to book travel and accommodation.
• Organize and store paperwork, documents and computer-based information.
Manipulate complex statistical data.
• Arrange both in-house and external events.
• Contribute actively to a culture of innovation leading to a market leadership position
• Guidance provide to all area branches on any operational issue.
• Assist in employee hiring and firing procedures.
• Provide input for employee retention policies.
• Obtain required approval from HO regarding all HR procedures.

Manager Operations at Bank Alfalah ltd
  • Pakistan
  • November 2013 to April 2016

• Keep updated regarding BAL’s policies and procedures, SBP’s guidelines including Prudential Regulations, their dissemination to concerned staff and monitoring compliance
• Management of overall branch operations, ensuring efficiency, effective controls and maintenance of quality service level
• Ensure proper daily checking of bank’s activity report; monitoring of suspense and reconciliation of accounts in line with prudential regulations
• Supervising branch operations pertaining to clearing, remittances, collections online operations etc
• Ensure proper handling of branch’s daily cash, maintenance of proper liquidity levels, daily closing of cash and its reconciliation with branch’s books and system; ensuring compliance with SBP’s requirements pertaining to cash handling operations
• Ensuring that accounts are opened and maintained in line with bank’s internal procedures and KYC requirements of SBP; ensure that the cheque books are issued as per prescribed procedure minimizing chances of fraudulent activity
• To maintain and monitor staff attendance, leave record and leave planning of the entire branch; developing backups of the key positions; ensuring internal communication; handling administrative and branch’s premises issues; keys and test keys administration
• To ensure the balancing of all heads of accounts on periodical basis
• To sign off daily position report and exchange position reports for TRY- head office perusal; cancel cheques and supervise/sign vouchers pertaining to operations of branch as per delegated authority
• To supervise/sign various periodic reports/statements to be sent to H.O and Regulatory Authorities including SBP

• Keep team motivated, delegate tasks/decision making as per skills/competencies of staff; ensure timely completion of job descriptions, goal setting and performance appraisal

Accounts officer at Bank Alfalah ltd
  • Pakistan
  • August 2011 to October 2013

• Daily review of cash balances, OBC, IBC, central bank clearing report, staff account activity report, inward & out ward clearing report, security stationary issuance & balancing.
• Supervision of cheques & other instruments, availability of funds in respective accounts & inward/outward transfer of funds from/to other branches i. e. On-line Banking.
• Supervision of transfer of Funds from one account to another after checking the correctness of instrument & verifying the a/c & income source of customer to avoid money laundering.
• Supervision of received instruments from customers, identifying the concerned bank & branch, affixing the required bank stamps, sending to the concerned branch, receiving the funds on IBCA or D.D. get the funds transferred to the concerned A/C i.e. OBC
• Receiving of instrument from other banks/branches get them cleared in clearing process & transfer of funds to the concerned banks/branches by issuing IBCA or D.D i.e. IBC
• Receiving cheques from other intra city banks, checking the correctness bank discharge, correctness of instrument, signature & availability of funds i.e. Clearing Inward
• Supervision of received cheques from customers, checking the correctness, bank discharge stamps, sending them to clearing house get the funds in state bank A/C & then transfer funds to customer A/C i.e. Clearing Outward.
• Complying with policies of state bank of Pakistan. Maintaining bank’s bank A/C with state bank. Issuing & Receiving of funds from different banks of the area through central bank.
• Review of application, analysing the customer need, receiving charges & Issuing Pay order & Demand Draft.
• Receiving suggestions/complaints from customers, identifying problem areas, providing customer care services & settlements.
• Review of operations department to comply with central bank policy.
• Daily Review collection of Credit Card Bills & Disbursement to H.O.
• Reviewed matter related to Issuance of Cheque Books and Dormant Accounts.
• Reviewed all procedure related to Opening of new Bank Accounts and Centralized Account Opening Department.
• Reviewed of Daily activity of Day End & Day Star Process related to I.T.

Operations officer at Bank Alfalah ltd
  • Pakistan
  • May 2010 to July 2011

 Prepare Bank Deposits, Advances, Income & Expenditure Budget.
 Prepare Annual Budget of the Branch.
 Looking After & reconcile all Bank GL Heads
 Preparation and submission of all reports/financial statements on daily, weekly, fortnightly, monthly, quarterly, half yearly and yearly basis to Area Office & Head Office
 Maintaining and keeping all accounts/voucher information systematically and suggest process improvements
 Calculation & Analysis of Different Financial Ratios.
 Reporting & liaising with Area Office & Head Office
 Reduce and eliminate Audit objections for the branch and to help improve audit rating
 Prepare Strategy to complete all the tasks & given targets of the banks.
 Strictly follow the Bank, SBP Regulations & Policies regarding banking.
 Depositing Different Withholding Tax relating to Banking Sector
 Maintaining withholding Tax record.
 Submitting Monthly, Half yearly & Yearly Withholding Tax Statement to Area Office & Head Office

cash officer at Bank alfalah ltd
  • Pakistan - Multan
  • July 2006 to April 2010

Cash receiving and payment, collection and clearing.etc

Education

Master's degree, accounting
  • at Bahaudin Zakaria University Multan
  • February 2007

Specialties & Skills

Regulatory Reporting
Accounting
Office Work
Small Business Accounting
Customer Service
Ms office

Languages

English
Intermediate

Training and Certifications

Am i breaking the law ? Banking law and practice (Certificate)
Date Attended:
March 2012
Valid Until:
March 2012

Hobbies

  • Reading daily Newspaper and internet searching and chatting
    I have much interest in Reading Daily newspaper and News channel and searching different sites on internet and chatting on skype.