Senior Officer, Unit Supervisor
Dubai Islamic Bank Pakistan Ltd
مجموع سنوات الخبرة :22 years, 1 أشهر
Key member in launching of DIB Auto Loan.
Got the training of new system which is to be used in DIB for Consumer Financing.
Involve complete UAT of Loan Booking & Financial system in our bank.
Development and designing of system, processes and controls as per the Product manual and Organization Policies.
Efficiently managing Operations Unit and contribute to Business’s bottom line by processing quality application, which consistent to the Bank’s Credit Policy.
Ensuring that all processes / practices in the Unit comply with the Banks risk and compliance procedures to minimize security and risk exposure
To ensure Customer Identification Field (CIF) are capture properly as per business requirements from Data Entry Module.
To ensure Consumer Asset Contract are disburse correctly into the accounts management system
To ensure financial transaction are posted correctly into SL/GL
Ensure of settlement of contracts and accounts into record keeping systems
Ensure Data Entry Capturing is perfect & the links of interfaces are correct from Capstone to I-Flex System.
Pay Order Issuance on Flexcube Branch.
Monitor and complete all assigned inquiry logs in a timely manner.
Maintain knowledge level to accurately process new products and product changes
Managing 15000+ consumer application files and Archival of Security documents in Fire Vault Dept.
Generate Booking MIS
Work in a fast paced production driven environment while learning all aspects of Retirement Services New Business Processing
Insurance and Vendor Payments with proper reconciliation of Renewals and Fresh cases
• Quarterly Reporting to Central Bank of Home Finance Product.
• Timely preparation of Management Information Reports and their submission to the internal management.
• Allocation of expenses to the concern and analyzing the departments’ performances by comparing against expense budget.
• Efficiently maintaining Branch Wise Average Deposits and Expenses.
• Make necessary Consumer Financials and reports to credit dept.
• Properly maintain Tracker Management Reconciliation and Maintaining the amortization schedules of AMC.
• Proper reconciliation of Suspended Vs Profit Receivable and if found error highlight to various department.
• Analyzing the performance of the consumer finance departments of the Bank by comparing their actual performance with budget.
• Maintaining the Fixed Asset Tracker Registers including the addition and deletion of old and new customers
• Assist seniors in preparing the Budget of the Various Departments.
Looking after all the opertaional activities such as reconcillation of GL's, Disbursements, Settlement of accounts, reporting to central bank, vendor payments. archival of files and many such activities.
ASSET OPERATIONS - AUTO FINANCE
Checks the documents to fulfill the pre loan booking requirements.
Check TCO before booking the loan.
Generates Rim and booking of Loan on Phoenix.
Post entries in UNI BANK after loan booking.
Re-pricing of the rate revised.
Run repayments and reversal of entries.
Loan Closure Payoff of Auto.
Any other responsibility as & when required.
ASSET OPERATIONS - PERSONAL FINANCE
Checks the documents to fulfill the pre loan booking requirements.
Generates Rim and booking of Loan.
Development and designing of system, processes and controls as per the Product manual and Organization Policies.
Voucher preparation.
Responds forthwith to the queries made before & after the loan booking.
Highlights BTF cases after the booking process.
Prepares daily status of loans booking.
Prepares statement for onward transmission to TezRaftar for making Pay Orders by them.
Monthly Commission for Sales Staff.
Coordinates courier services for all mailing issues.
Regular filing.
Creates Backup for contingence.
Any other responsibility as & when required.
OTHER RESPONSIBILITIES.
Reconciliation of following sundries:
Loan Disbursement Sundry
Repayment Sundry
Partial Payoff Sundry
Payoff Sundry.
Run repayments and reversal of entries
Post payoff and partial payoffs
Daily MIS for repayments & reversals
Maintenance of the main Cash Book and General Ledger as well as manually after completion of every month end and preparation of all voucher such as Account Payable, Cash Receipt and Journal Voucher and reconcile bank statement on weekly basis.
Maintenance of the Petty Cash Book both the Head Office and Branch Offices.
Responsibilities of employees benefits including staff advances, life insurance, social security, E.O.B.I and medical etc.
Responsibilities of Banks Routine Transactions i.e. Deposits, Withdrawals, making Demand Draft, Call Deposit & Pay order and reconcile the bank statement on weekly basis.
Submission of Monthly, Quarterly and Annual Tax Statements and Returns, Deductions and Payments of Taxes from salaries and purchases, Deductions of Taxes U/S 50(4), U/S 50(5), Advance Taxes, Staff Returns and Company’s Return etc. Also help seniors regarding the Tax Work, Tax Details etc.
Prepare invoices for vendor services and have complete follow-ups for the payments.
Coordinate in preparation and submission of annual budget with the Managers
One of the major responsibilities for preparation of details for Income Tax, Monthly Payrolls and expertise in Excel and Word