• To manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives. Establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.• Credit and operational risk management to safeguard bank's financial risk. Handling of commercial Credit Portfolio, Reporting & compliance with regulatory requirements, Devising future budgets & profits estimates, Ensuring good quality of advances.• Preparation of Credit Proposals along with Monitoring of Performing and Non-Performing Credit facilities, Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, periodical client visits call reports.• Coordinating with legal department for recovery of the non-performing, Spreads and Analysis of financial statements for fresh and existing credit facilities. Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.• Issuance, monitoring & cancellation of Bank guarantees. Ensure that disbursements are made after completion of all formalities as outlined in the sanction advice and deferral notes (CAD)• Arranging for insurance cover from approved insurance providers for stocks pledged / hypothecated with the bank.

• Working for Branch Import and Export Business.• Documents handling (L/C Usance & Sight).• Dealing with Foreign Remittance for export and import business.• Retrieving Nostro and checking of payments on daily basis. Dealing withtreasury and corresponding with customers on realization of proceeds andproviding them optimal exchange rates from treasury.• Endorsement of E forms and Advance payments, Preparation of EE & ERFfor SBP Re-Financing, To Control complete MIS system of Trade Financeand daily Reporting to Regional Office.• Lodgement of Export / Import documents under L/C & Contract, preparingof SWIFT messages & documents dispatching correspondence with foreignbanks via SWIFT.• Made payments Through FTT in (USD, GBP, AUS, EURO and CAD) orFDD in (USD, GBP, AUS, EURO and CAD) according to AML & CFTPolicy, Lodgement & realization of OFBC cheques.

My responsibilities were to post entries, follow up daily sales invoice of the company to make daily sales report. Assisted Financial Controller inpreparation of reconciliations, balance sheet and profit and loss accounts.