• Handling all banking functions ( i.e. Import/Export under LCs/SBLCs/Open Account, Letter of Guarantee, Credit Limits, Corporate Account opening and KYC) of Group of 20 companies;• LCs Issuance, processing Advance payments and TR;• Preparation of Foreign and Inland documents under export LCs/SBLCs;• Corporate A/c Opening and handling regular compliance/KYCs Reviews• Sourcing & proposing fresh funding lines and initiating discussions with Banks for Working Capital, Term Loan & Trade Finance.• Negotiation of borrowing terms with Banks and Appraising draft term sheets, sanction letters & debt covenants. • Tracking of Account receivable and payables;• Assessing & review of daily/weekly cash flow forecast and reporting the same to Group CFO. • Understanding bank queries & resolving their queries on time by coordinating with the internal departments for the requested data/documents. • Managing day to day relationships with Banks having Turnover (AED XX Billion) such as term loan, working capital limits and Trade Finance;• Planning & timely execution of treasury audits.• Cash Management, Installation of POS terminals, Payment Gateways agreements with banks;

• Handling all banking functions (Import/Export, LCs, Open Account, Letter of Guarantee, Account opening) of Group (10 companies);• Opening of LCs, processing Advance payments and TR;• Preparation of Foreign and Inland LCs Documents;• Tracking of Account receivable and payables;• Passing Vouchers and close the accounting entries;• Account Opening and handing queries regarding KYC of accounts;• Follow up with Banks/customers for execution of transactions;• Cash Management, Installation of POS terminals, Payment Gateways agreements with banks;

• Lodgment, Settlement and release of Import LC document(s) and shipping guarantees;• Handled Return and expired LCs documents;• Check and verify the documents/bills and loans with accuracy and efficiency, ensuring compliance with the Bank’s standard operating policies & procedures;• Daily and monthly balancing of outstanding documents – region wise (comprising of UAE, Bahrain, Kuwait and Qatar);• Adherence to service level agreements to ensure customer satisfaction and protection of bank’s interests simultaneously;• Initiate of SWIFT Messages;• Co-ordination with customers to resolve their day to day queries on time.

• The position of Supervisor-General Banking & Credits exists to ensure the smooth functioning of the General Banking Departments and Asset Management with maximum customer satisfaction contributing towards optimum profitability of the Bank. The position was of supervisory nature and ensured all the activities performed according to the rules and regulations laid down in the Manuals / Circulars of BAHL and guidelines provided by the Regulatory Authority i.e. State Bank of Pakistan;• Authorize issuance and payments of bankers cheque, intra and inter branch transfers; Cash and Cheque deposits and withdrawals, loan and mortgage payments with due diligence;• Monitor daily balancing of Automatic Teller Machine and related general ledgers;• Daily Batch checking of all team members;• Indenting Branch’s stationery on monthly basis;• Verify new credit loan applications and recommend to the next level of management;• Ensure monthly and quarterly principal & interest-EMI collection;• Responsible for marketing of the bank’s Products and Services (Assets i.e. Running Finance, PAD, TR, FIM, Term Loan and Auto Financing etc) with the help of team members while ensuring full and dedicated customer service to the existing and prospective customers;• Handling & Custodian of Charge/transaction/Security Documents of the borrowers mortgaged against loans;• Ensure timely submission of various returns/reports/statements (MIS) related to operations/Credits/Trade Department;• Co-ordinates with internal and external auditors for smooth conduct of periodical Audits, settling and responding to queries/ objections and implementation of corrective measures and recommendations;• Any other duties and assignments allocated /assigned by the management from time to time.

• To collect overdue amount from customer;• To check the system for payment on daily basis;• To collect the whole/minimum amount due, while protecting the bank’s assets;• To motivate the customer for extraction of maximum possible payment;• To solve the customer issue regarding services or any relevant for payment;• To follow up customers through continuous telephone calls and field visits;• Educate the customer avoid the delay in payment etc;• To minimize the delinquency ratio of the assigned portfolio.

• Recovery of outstanding overdue consumer loans (i.e. Ready Cash & Auto loan) past due 90 days and above;• Collection of Installments in the form of cash and cheques;• Processed Final Settlement of loans and issued NOCs accordingly; • Processed Account Opening of New Hiring.

• Overview of overall banking operations (i.e. Deposits, Prize bonds, Clearing, Cash and Remittances Department)