OFFICER CREDIT PROCESSING
ALLIED BANK LTD
Total years of experience :23 years, 8 Months
PROFESSIONAL PROFILE:
A Goal driven, Service & Results Oriented Professional with 13 years experience in Consumer Credit Risk, evaluate credit worth of the potential customers with best quality business portfolio.
I am currently associated with Allied Bank Ltd as Officer Credit Processing in “Commercial & Retail Risk” (RMG), since 17th November 2008, to present.
Get Process Personal Finance and Visa Credit Card applications of self employed businessmen & salaried class.
I am Responsible to extend credit facility with quality and swift processing as to sustain good reputation in market.
Coordinate with business Unit Manager of North Region for extending Credit Card and Personal Loan facilities by giving them policy guidance of the product, and suggest recommendations for quality business portfolio.
Job Responsibilities:
1. To facilitate the business, check initial level processing of credit card & Personal Finance applications and supporting documents i-e appropriate in accordance with Bank’s approved Consumer Credit Policy as to ensure front-end Credit checks are adhered to.
2. Review exceptional items to recommend whether the Credit limit be granted based on applicant’s profile
3. Monitoring and controlling credit risks pertaining to Consumer Banking assets by monitoring fraud applications and apprising the senior management of the same in order to amend Credit Policy accordingly.
4. Conduct National Data base & Registration Authority Verification Reports, Income Calculation, DBR, Data Check & Certain Verifications.
5. Assess lending applications, to ascertain whether loan meets lending criteria and therefore whether loan should be approved within delegated authority defined from time to time, or recommend and forward to higher approval authority where appropriate.
6. To acquire applicant’s credit history reports from Central bank for calculating the debt burden on the basis of available e-CIB and Data Check reports to evaluate credit worthiness of a potential Customer.
7. Ability to work under severe pressure and yet exhibit error-free work and achieve set targets with quality services.
8. Responsible to maintain turnaround Time (TAT) of Credit Card & Personal Finance applications received from North Region and aim to increase business with good quality portfolio of valued clients.
9. Maintaining good interpersonal skills to manage complex internal and external relationships.
10. Power of authorization held regarding approval of all Credit Card & Personal Finance cases received from North region.
11. Take initiative to improve quality of work within short span of time.
12. Provide to the Management quality feedback for decision making in Credit Policy.
Worked since 22nd March, 2003 to November 16, 2008 as Credit Analyst in Askari Bank Consumer Banking Services.
Job Responsibilities:
1. Screening of applications relating to different customers like salaried people, Business individuals, Professionals, Directors of Private & Public Ltd Companies, and Employees of the Bank Non listed Companies etc.
2. Analysis and Calculation of average balances of the Bank Statements & other income documents of Salaried Segment, Business Individuals, Business Partners, Directors of Private and Public Ltd Companies.
3. To acquire applicant’s credit history reports from Central Bank for calculating the debt burden on the basis of available e-CIB and Data Check reports to evaluate credit worthiness of a Potential Customer
4. Supervise the entire verification (verification via phone), by the verification officers and Credit Processors.
5. To prepare sanction advices for Personal Finance cases
6. Making enhancements of Credit Cards Limits keeping in view the desired credit history & other profile of the existing customers
7. To resolve the problems relating to policy for smooth operation give suggestions to the Manager policy for the improvement of overall performance of the Bank’s Master Credit Card
JOB RESPONSIBILITIES
1. Reduce credit losses by focusing on GCL
2. As front end officer called to delinquent customers for the immediate payment
3. Execution of payments on daily basis recovered from customer
4. Resolving the problems of delinquent customers by giving them quality services and thus making them long lasting customers for the bank
5. Ensure the implementation of policies by working through Departmental Control Function
6. Making MIS of the resolved and unresolved delinquent customers at the end of every month
7. Achieved every month target and give results up to the entire satisfaction of my seniors
JOB RESPONSIBILITIES
1. Making Cash inflow and out flow statement at the end of the month
2. Maintaining all books of Accounts including, Purchase, Sales and Cash book
3. Maintaining Creditors and Debtors Ledgers Accounts
4. Making monthly disbursement of payroll to the factory employees
5. Maintaining store inventory inward and outward management system (FIFO Basis)
6. Dealt in Letter of Credits (LCs) for the imported items.
7. Reporting data to the Head Office Lahore for making Final Accounts at the end of every month.
M.COM From Peshawar University in 1999 B.COM (Hons) From Peshawar University in 1998 B.COM From Peshawar University in 1997 Internship in Pakistan Tobacco Company Pvt Ltd (PTC) , Akora Khattak District Nowshera KPK Pakistan. Worked on Costing Procedure of Finance Department.