zohaib chaudhary

Key Responsibilities
Reporting to AVP, Head OF Trade

o Imports
 Opening and processing of new letters of credit
 Amendments in LC
 Manage trade record for central bank and misc. H.O records.
 Assisting branches for processing of Import letter of credit.
 Assisting branches for queries and audit related issues.
 Handling of SWIFT enquiries and correspondence with advising banks.
 Due diligence of Import contracts and Letter of credits as per allowed regulatory terms.
 Strict compliance of UCP-600, URC 522 updated rules as per defined standards.
 Communicating and replying Negotiating/Advising/Confirming Bank’s via SWIFT services.
 Assisting Retail / Corporate clients by providing timely and accurate trade services.
 Legalisation
 Bill lodgements
 Documents scrutiny
 Correspondences
 Payment LCY
 Payment FCY
 Acceptance / Refusal
 Liaison with customers for acceptance / payment chasers
 Reconciliation of GLS
 Central bank GL balancing
 Audit, Internal Control and compliance.


o Exports
 SWIFT mapping
 LC advising, MT700, MT707, MT710, MT711, MT734, ETC.
 Bill lodgement
 Correspondence
 Discounting
 Negotiation
 Documents scrutiny
 Payments LCY
 Payments FCY
 Acceptance / Refusals
 Day end reporting
 Monthly balancing of GLS

 Reporting to Manager, Trade Imports.

o Lc Opening Team:
 Opening and processing of new contracts.
 Opening and processing of new letter of credits.
 Amendments in LC and Contracts.
 Manage trade record for central bank and misc. H.O records.
 Assisting branches for processing of Import contracts and letter of credit.
 Assisting branches for queries and audit related issues.
 Handling of SWIFT enquiries and correspondence with advising banks.
 Due diligence of Import contracts and Letter of credits as per allowed regulatory terms.
 Strict compliance of UCP-600, URC 522 updated rules as per defined standards.
 Communicating and replying Negotiating/Advising/Confirming Bank’s via SWIFT services.
 Assisting Retail / Corporate clients by providing timely and accurate trade services.

o Bill Payments Team:
 Import bill payments. (LC/Collection/Consignment/Advance payment).
 Imports documents scrutiny. (LC/Collection/Consignment/Advance payment).
 Intimation of clean/discrepant documents to branches for onward intimation to clients.
 Coordination with treasury for arrangement of funds for bill payments.
 Lodgement of Usance Acceptance/Communication of maturity to Foreign/Local banks (FUBA/LUBA).
 Documentary collection payments / Consignment payments.
 On-source monthly balancing of outstanding LC’s/Documents/Margins taken.
 Balancing of advance payment documents within stipulated time as per Central bank regulation.
 Responsible for internal, external and State bank’s Audit.
 Assistance to branches for smooth and timely effectuating due payments (Usance/Sight)
 Relaying SWIFT messages (MT-202, MT-103, MT-752, MT-799, MT-734 ETC)
 B/L verification for payments on forced loans.
 Endorsement of documents against Margins.(Airways bills/Truck receipts/Rail receipts)
 Issuance/Redemption of shipping guarantees
 Issuance of Re-imbursement authorities to our bill payment correspondents internationally and locally.

o Trade Finance Team (Imports)
 Booking of regular loans (FIM/FATR)
 Creating forced loans (PAD/FADB) for Sight and Usance.
 Adjustment of FIM-FATR
 On-source balancing of outstanding PAD/FATR/FIM/FADB
 Assistance to branches for timely loan facilities and mucaddam facilities.
 Correspondence with Credit department for loan disbursements limits.

 Reporting to Manager, Operations-Personal Banking.
 Managing branch Service Quality and standards, while processing branch related financial and non financial transactions keeping all the regulatory requirements in view:

 Cheque Books & ATMs.
 Foreign exchange returns reporting to central bank / foreign remittances processor.
 ATM / CDM balancing and cash handling
 Maintaining miscellaneous branch records fulfilling compliance and audit requirement
 Handling cash as teller
 Cash in charge in absence of chief teller
 Pay orders / Demand Drafts processing and cancellation.
 Regulatory / Internal and External Audits.
 Responsible for Operational Risk mitigation.
 Assisting distribution and contribution towards deepening of deposit size.
 Customer services.

Universal Teller - Branch Operations (Garden Town, Lahore Branch)

 Cheque Books & ATMs.
 Foreign exchange returns reporting to central bank / foreign remittances processor.
 ATM / CDM balancing and cash handling
 Maintaining miscellaneous branch records fulfilling compliance and audit requirement.
 Cash deposit and withdrawals.
 Pay orders / Demand Drafts processing and cancellation.
 Regulatory / Internal and External Audits.
 Responsible for Operational Risk mitigation.
 Assisting distribution and contribution towards deepening of deposit size.
 Customer services.

Responsible for Bank’s internal/external and regulator’s audit, keeping customer satisfaction and brand promise, “HERE FOR GOOD” in line, Built and managed customer relations for new to bank / existing to bank clients for business deepening, been eligible among all new joiners to qualify for PERFORMANCE ACHIEVEMENT “2011”

 Reporting to Manager, Operations-Personal Banking.
 Managing branch Service Quality and standards, while processing branch related financial and non financial transactions keeping all the regulatory requirements in view:

 Inward & Outward clearing.
 Intercity / OBC / Special Clearing
 Cheque Books & ATMs.
 Lockers.
 Term Deposits & Call Deposits.
 Pay Orders & Demand Drafts.
 With-holding Tax reporting to federal board of revenue.
 Foreign exchange returns reporting to central bank.
 Account Opening.
 Inward & Outward Remittances.
 Maintaining miscellaneous branch records.
 Acting branch customer service manager in absence of C.S.M
 Cash handling

To assure all compliance and audit trials referring to the Bank’s internal policies and procedures, in this short
period I managed to win my seniors confidence as they carry forward sound remarks for me, I was rewarded with a spot award for assisting the investigation team after a major unfortunate set back took place at our branch, from CEO of the bank and appreciations from all the related field managers