Branch Manager
MCB BANK LTD ISLAMIC BANKING
Total years of experience :19 years, 2 Months
• Business promotion through typical activities like formulating, implementing/ monitoring of strategies and sales plans as well as deepen existing relationships
• Spearhead efforts for marketing new relationships.
• Pro-actively gear up sales efforts, in line with changes in business strategy
• Achieve planned growth and cater to the branch’s expansion possibilities by pro-actively analyzing and proposing resource enhancements.
• Ensure that the branch achieves stable growth in revenues
• Foster a culture of teamwork by encouraging cross-selling efforts in the branch
• Visit customers regularly to retain the relationships
• Supervise and handle all sorts of formalities for processing finances (working capital, instant finance, RF-BS, LCs, Bank Guarantees, Encashment, Lien marking & removal etc.)
• Periodic visits to clients and conduct stock (hypothecated / pledged) inspections.
• Provide excellent, efficient and fully compliant customer services.
• Managing relationship with Customers, handling their queries, managing complaints, ensuring overall better customer service and generating leads for sale/cross sell.
• Cross Selling - promoting auto loans, home loans, loans against property.
• Assist and ensuring consistency of internal / external customer experience by inculcating a service culture and leading by example.
• Manage customer traffic within branch to ensure key service standards are met.
• Deal proactively with the customers to fulfill their banking needs.
• Resolves product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution.
• Maintains financial accounts by processing customer adjustments.
• Recommends potential products or services to management by collecting customer information and analyzing customer needs
• Processing Inward and outward remittance. FDD, ITT and Advance payments for Import and Ensure compliance of all requests are timely and accurately processed.
• Processing internal transfer entries, suspense account entries and other GL balancing entries and Process salaries transfer entries for companies and corporate customers staff salary accounts.
• Report monthly F.E. transactions through ITRS to SBP
• Process collection bills transactions Outward ward and inward bills for collection and foreign bills for collection.
• Maintain proper and adequate record and MIS of all transactions.
• Ensure proper compliance and timely reported all the suspicious and high value transactions to concerned department as per the Bank’s policy and SBP guide lines.
• Scrutinize and approved both PKR and FCY account opening forms and related documents as per the Bank’s policy and SBP guide lines.
• Process and update customer FATCA status in the system.
• Process amendments in customers’ accounts, addition and deletion of different Restrains, Dormant reactivation as per the Bank’s policy and SBP guide lines.
• Scrutinize and approved Term deposit, call deposit and other Islamic investment certificates issuance, premature and cancellation requests.
• Maintain proper MIS and record of account opening for onward internal and SBP audit.
• Maintain and update proper record of KYC, CDD, EDD and Risk Rating sheets as per the Bank’s policy and AML & CFT regulations.
• Prepare half yearly TOP 100 customer’s data as per SBP Instructions and guide lines.
• Ensure regulatory compliance and internal controls as per SBP prudential regulations and bank’s policy / manual as well.
• Maintains proper follow-up and record for the rectification of account opening exceptions.
• Daily Reconciliation and Investigation of: Nostro Accounts, ATM, MNET.
• Ensure the integrity of transactions input, manage exception reports, database updates and outputs develop and implement balancing and reconciliation procedures.
• Performs zero tolerance in the processes as per the policies that requires
identification of open items within specified time and ensures timely solution.
• Prepare all necessary Reports for the monthly/quarterly and year-end external/ internal audit and Finance reviews.
• Prepare monthly statistic report of reconciliation department for management.
• Assign ownership of unmarked items to relevant departments with Timely escalation of all outstanding entries.
• Responsible and supervise overall operations of the Branch including account opening, FC handling and remittances, Cash & Clearing.
• Supervise the Daily Transactions within assigned limit.
• Custodian of Security Stationery i.e. PO’s, DD’s, Cheque Books, and other, Legal documents
• Ensure regulatory compliance and internal controls as per SBP prudential Regulations and bank’s policy manual as well.
• Account opening, KYC, & Due diligence.
• ATM - replenish, reconciliation, dispute, Locker Operations - issuance, rent etc.
• Balancing of daily inward & outward clearing Settlement of RTGS / NIFT and their balancing.
• Preparation of weekly / monthly Tax challan and submission to the relevant
authority.
• All work related to CD, SB & FC Department, and Perform RCSA and ensure compliance.
• Perform Service quality. Provide excellent, efficient and compliant customer services.
• Achieved branch sales target through excellent services.
• Working efficiently and ensure customer satisfaction in an error free manner.
• Provide assistance with all day to day clients enquires and provide appropriate solutions.
• Process applications of various products offered by Bank and Process all requests of account opening and closing. Maintain and update record of KYC form.
• Process payments against cash cheques, Received cash and process in the system.
• Process inward and outward clearing through NIFT. Process GL entries.
• Worked as a Universal Teller
• Process transactions including cash, cheque, remittance, credit cards and loans, Inward and outward clearing.
• Process transactions of Cash Receiving, Cash Payments, Pay orders and demand drafts request and Utility bills collection.
• Provide excellent customer services, maintaining relationship and achieved branch sales targets through customer services.
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