Branch manager- commercial and retail banking
Allied Bank Limited
Total years of experience :20 years, 0 Months
With a continuous foothold in the banking industry, I have honed my to skills to lead marketing and sales efforts of the branch for increased client acquisition and revenue growth. I am steering following tasks:
- Achieving budgeted targets of outstanding and average deposits, daily key performance indicators, new to bank, digital conversion and lead generation.
- Motivating operational staff for daily targets and service excellence.
- Marketing Business-to-Business (B2B) accounts, SMEs’ and individuals and cross-sell investment products.
- Marketing borrowers and extending support to RM for credit appraisal and disbursement formalities.
- Remain updated on daily circulars, product and services, Know Your Client (KYC) checks to ensure compliance with regulations and mitigate risks associated with the portfolio.
- Continuously evaluate and monitor the performance of our financial products and services to identify areas for improvement and make necessary adjustments
My notable accomplishments include:
- Achieved 22% average growth in December 2022 and also won deposit mobilization campaign in September 2022.
- Increased average deposit size for 50% during years 2019-2021
- Got approved non-fund-based lines for PKR 100 million and earned trade business for 500 million.
- Achieved 74% growth in liability for the period of 2016 to 2018 and also won deposit mobilization campaign in Dec 2016
As a member of a three-person team in a regional office, I was responsible for credit portfolio of SME and commercial credits while reporting to the Regional Credit Head. Together, we successfully pursued commercial business targets and processed seasonal and running finances.
I also developed strong communication and collaboration skills, as we worked closely with other departments to ensure timely and accurate delivery of services. In addition, I maintained healthy relationships with obligors and augmented positive reputation in the market.
i. Reviewed credit limits, ensured pre/post disbursement formalities and prepared Credit Analysis (CAs) through Credit reviewer, RMs and branch managers.
ii. Managed existing portfolio and recommended appropriate credit facilities in line with the credit policy.
iii. Helped branches to keep their portfolio on right track in respect of past dues, un-recovered markups, expiring limits, insurance expiries, credit deficiencies.
iv. Helped region keeping their credit portfolio aligned for past dues, unrecovered markups, expiring limits, insurance expiries, credit administration deficiencies and delayed disbursement.
My Achievement: Assisted branch development managers (BDM) for taking measures to maintain risk mitigation, result of which was zero addition in NPL for year 2013 & 14. Also got grade promotion in executive slab in April 2014.
Geared my team to source new credit and liability business, cross-sell, maintain effective relationships and ensure customer satisfaction. It also included:
- Achieve revenue and financial targets of the branch
- Be aware within the team and organization for working in a risk free and compliant manner.
- Develop and maintain effective relationships,
- Drive growth in both liability and advances
- Cross- sell investment, insurance and credit products
- Attend service, compliance and credit awareness programs during the course of the
employment
My experience and success make me a valuable addition to any team in the banking industry.
- In my role, I won the award for the smartest branch of the region in current and savings accounts.
- Received an appreciation letter from the Group Head for giving 43% and 20% in year 2009 and 2010 respectively.
- Improvised branch's audit rating from C to B in 2010 and was appreciated by the Head Branch Operations Central-II for achieving 100% recovery of locker income in July 2010.
Following the completion of the Management Trainee Program, I began my career in the credit department of the bank. My role included:
i. Actively participated in marketing of SME/commercial accounts to generate profitable customers.
ii. Prepare Credit line proposals including financial analysis, risk analysis, industry analysis, obtaining financial spreads and projections for the renewal of facilities, while ensuring that new relationships or existing clients are maintained with acceptable risk profile.
iii. Arrange security and finance documents, perform mortgage formalities and disbursement of finance by fulfilling risk covenants in credit approvals.
iv. Adopt appropriate relationship management strategies to protect bank's interests and meet expectations of borrowing relationship.
v. Monitor risk on continuing basis and ensure customers at high risk of default are identified in time to take corrective actions.
vi. Associated with clients for submission of audited financial statements, management accounts, ageing debtors, stock/receivable reports and all other information/documents required.
vii. Periodically visiting assets, markup reviews and timely recovery and prepare management reports relating to credits
viii. Keep update on credit products and risk policies, as well as local regulatory requirements
Achievements :
o Contributed towards marketing of liabilities, off-balance sheet items, non-funded business for Rs. 370 Mn and fund based for Rs. 100 Mn (100%).
o Implemented Lease Management System (LMS) in the branch, which resulted into complete control of lease finance functions.
o Founded an online literary club on employee’s HR portal
I began my career in the banking industry as part of the Management Trainee Program at the caring bank. The program provided me an opportunity to learn banking through a combination of lectures, seminars, and on-the-job training across various departments of the bank. I also developed a range of transferable skills, including communication, leadership, and problem-solving, that have proven invaluable throughout my career.
Title of thesis: The impact of CSR activities on citizenship behavior of customers towards environment: The mediating role of customer band identification and trust as moderator.
Internship at Park Davis & company Limited, Karachi (July2002)
Studied all preliminary courses of business such as marketing, management and accounting
