Senior Officer FRCD ( Documentation Pre and Post Disbursement (Staff House & Vehicle Finance)

My responsibilities are including completion of documentation formalities for Fund Based and Non-Fund Based facilities approved by the Bank’s credit committee for the customers are as follow:•Analysis & processing of credit documentation of Corporate, Commercial, SME’s & Islamic Banking customers.•Ensuring that there is no violation of SBP Prudential Regulation.•Ensuring the implementation of the Bank’s credit policies & procedures without any violation.•Liaison with the Credit Risk Management & Relationship Management.•Preparation of Facility Offer Letter according to the terms of approval•Observations and instructions of the Credit Committee contained in the Credit Approval/Sanction Advice.•Legal Decisions affecting the Banks•Identification and Preparation of Charge Documents.•Preparation of Facility Offer Letter according to the terms of approval•Preparation / Issuance of Documentation Check –off List for issuance of DAC•Scrutiny of executed charge documents•Scrutiny of Credit Approval.•Issuance of DAC.•Feeding of Limit, Markup rates, Repayment Schedules in Module.•Ensure safekeeping of all the documents related to the approved loan. •Constantly monitor activities after the disbursement of the loan, to ensure that adequate security margins are maintained till the loan is recovered, and refer to immediate supervisor in case security margins fall short of the desired level, so that necessary action can be taken.•Carry out work in accordance with the instructions of the supervisor and established guidelines and procedures of the bank and provide reports / information to the management in effective and efficient manner to facilitate them in decision-making.•Maintenance of Insurance record of Corporate, Commercial and SME, Retail Clients.•Processing of Stock Reports of Corporate, Commercial and SME, Retail Clients.•Maintenance & Record of Charge Documents.•Inspection of Ijarah / Leased Assets, Pledge & Hypothecated Stocks

To provide high quality Credit Administration support to Business Group while providing independent control & monitoring over the credit process.• To liaise with Internal, External Auditors, SBP inspectors and Risk Reviewers.• To supervise and ensure sufficiency, validity, accuracy and legal enforceability of Finance Documentation and ensure compliance with institutional credit policies, procedures regulations of SBP and other bodies.• To supervise & monitor submission of monthly updates, other regulatory reports, as regards to limit expires documentation deficiencies and deferrals status, security shortfall, insurance expiry's, overdue valuations & inspections, CIB, past due obligations & portfolio report.• To ensure effective control and monitor periodic valuation / inspection of hypo/pledge/Mortgaged assets.• To ensure compliance with the institutional credit policies and procedures as laid down in Bank’s manual and other guidelines and instructions issued from Head Office.• Preparation of Control Documents MIS Reporting

1) Administer compensation, benefits and performance management systems, and safety and recreation programs.2) Identify staff vacancies and recruit, interview and select applicants.3) Allocate human resources, ensuring appropriate matches between personnel.4) Provide current and prospective employees with information about policies, job duties, working conditions, wages, opportunities for promotion and employee benefits.5) Perform difficult staffing duties, including dealing with understaffing, refereeing disputes, firing employees, and administering disciplinary procedures.6) Analyze and modify compensation and benefits policies to establish competitive programs and ensure compliance with legal requirements.7) Serve as a link between management and employees by handling questions, interpreting and administering contracts and helping resolve work-related problems.8) Plan, direct, supervise, and coordinate work activities of subordinates and staff relating to employment, compensation, labor relations, and employee relations.9) Analyze training needs to design employee development, language training and health and safety programs.10) Maintain records and compile statistical reports concerning personnel-related data such as hires, transfers, performance appraisals, and absenteeism rates.11) Analyze statistical data and reports to identify and determine causes of personnel problems and develop recommendations for improvement of organization's personnel policies and practices.12) Plan, organize, direct, control or coordinate the personnel, training, or labor relations activities of an organization.13) Conduct exit interviews to identify reasons for employee termination.14) Investigate and report on industrial accidents for insurance carriers.15) Represent organization at personnel-related hearings and investigations.16) Negotiate bargaining agreements and help interpret labor contracts.17) Prepare personnel forecast to project employment needs.

Determines operational objectives by studying business functions; gathering information; evaluating output requirements and formats.Designs new computer programs by analyzing requirements; constructing workflow charts and diagrams; studying system capabilities; writing specifications.Improves systems by studying current practices; designing modifications.Recommends controls by identifying problems; writing improved procedures.Defines project requirements by identifying project milestones, phases, and elements; forming project team; establishing project budget.Monitors project progress by tracking activity; resolving problems; publishing progress reports; recommending actions.Maintains system protocols by writing and updating procedures.Provides references for users by writing and maintaining user documentation; providing help desk support; training users.Maintains user confidence and protects operations by keeping information confidential.Prepares technical reports by collecting, analyzing, and summarizing information and trends.Maintains professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; participating in professional societies.Contributes to team effort by accomplishing related results as needed.

To support the development of the Marketing and Business Development function.To take responsibility for specific marketing campaigns and projects within the department.To actively seek opportunities for and to develop new business opportunities, resulting in the recruitment and retention of customers. Main duty is to develop existing business and explore new business opportunities.Formulate and implement short term, medium term and long term business development plans of the company. Clearly identify and note down company’s goals along with measures required to achieve them.Undertake and assess market research which may help find any gaps or opportunities.Analyze industry trends and do competitor benchmarking.Ensure sufficient finances, materials, manpower and other resources are available with the firm to implement the business development plans.Design, build and implement business models. Do cost benefits analyses for the business plan on hand.Try to get more business from existing customers and also hunt for new customers.Perform other task such as proper documentation and supervision and training of junior staff.Liaise and work together with various stakeholders such as customers, suppliers, employees, contractors, and senior management to grow the business. Network on a regular basis with these stakeholders to explore new ideas and initiatives.Read business journals and attend seminars & workshops to be abreast of latest trends and happenings.Work Conditions