• Achieving the targeted growth of the SME portfolio according to the planned targets through maintaining and preserving trusting relationships with SME clients.• Growing the business by identifying new sales and business development opportunities that the business can maximize the value of those relationships.• contact and visit potential SME client to establish and foster new relationships.• Negotiates, underwrites and process new client cases and renewals of credit facilities.• Manage a team of credit officers and assists them in managing credit portfolio to improve the collection process and to achieve targets set and identify potential business opportunities for portfolio expansion.• Monitor all credit requests, approve, and disapprove it after analyzing it.• Prepare monthly reports to management and highlights all risks involved.• Ensure compliance to all credit policies and underwriting parameters prior to lending money.• Maintain portfolios of lenders and ensure quality at par with Company standards.• Ensure the implementation of marketing strategy within the SME section.• Identify existing and potential key SME Clients and define their needs.• Manage SME Clients relationships in a way to achieve set targets and Establish relationships with new clients.• Identify new products and services to meet Client’s requirements and needs that are meet their expectations.• Work closely with Operation Team to resolve service issues and ensure quality service delivery to customers.• Closely monitor clients to Recognize early warning signs and anticipate changes in risk rating in order to mitigate potential future risk.

• Ensure credit control activities are carried out as per bank’s Policies & Procedures.• Ensure standard operating procedures and checklists related to credit control function are reviewed regularly and maintained up to date.• Coordinated with the credit team, analysis team and the management to make sure that the credit policies and analysis are in place.• Ensured that all the documents and agreements with the debtors are in place.• Report any irregularities to the stakeholders and escalate to appropriate authorities for resolution.• Ensure regulatory reports that are within the scope of Credit Control Unit are served to respective internal and external regulatory authorities accurately and timely manner.• Provide support and guidance to the team as and when required.• Ensure adherence to all applicable policies, procedures, and regulations in different jurisdictions.

• Collected and analyzed data to detect deficient controls, duplicated effort, extravagance, fraud, or non-compliance with laws, regulations, and management policies.• Provided the internal audit manager with thorough reports on the audit's results.• Examined whether the organization's objectives are reflected in its management activities, and whether employees understand the objectives.• Examined whether the organization's objectives are reflected in its management activities, and whether employees understand the objectives.

• Collect and evaluate data to detect ineffective controls, duplication of effort, excess, fraud, or noncompliance with laws, rules, and management policies.• Created thorough reports on audit results to Audit committee.• Inspected account books and accounting systems for efficiency, effectiveness, and the use of established accounting methods to record transactions.• Examined whether the organization's objectives are reflected in its management operations, and whether employees comprehend the objectives.• Prepare the Internal Audit charter and present it to the Audit committee for discussion and obtain the board approval.• Development of the Annual Internal Audit Plan which must cover all business activities of the bank, after discussing with the Audit Committee and obtain the approval of the Board of Directors at the beginning of each financial year.• Ensure that the Annual Internal Audit Plan must contain timelines for each internal audit, internal audit reporting deadlines, allocation of resources, areas to be audited, follow-up audit plans, etc.• Adhere to relevant auditing standards and code of ethics that apply to the internal audit profession.• Study the instructions, policies and procedures laid down by the management.• perform any advisory task assigned by the senior management, if not conflicting with the assurance area of the Internal Audit.

Checked the accuracy of the information in the loan application and closing paperwork.Interviewed loan candidates, gathered personal and financial information and facilitated application completion.Assembled and prepared loan closing paperwork, including loan forms, insurance applications, and title abstracts.Answered inquiries from customers and provided advice on loans and transactions.Informed customers of the approval or denial of their applications through mail, phone, or in person.Utilized computers to keep track of loan and credit applications, loan information, and money transfers.Prepared and typed loan applications, closing documents, legal documents, letters, forms, and checks, using computers.Presented loan and repayment schedules to customers and checked value of customer collateral to be held as loan security.Verified applicant's references and credited by getting in touch with credit bureaus, employers, and other sources.Submitted loan applications along with a recommendation for underwriting approval.Reviewed customer accounts to check for timely payments and compliance with other loan conditions.

Referred to customers about appropriate bank personnel to meet their financial needs.Interviewed customers to obtain information needed for opening accounts or renting safe-deposit boxes.Collected and recorded customer deposits and fees, and issue receipts using computers.Executed wire transfers of funds, performed foreign currency transactions, and sold Banking checks.Processed loan applications and obtained credit records from reporting agencies.Issued initial and replacement safe-deposit keys to customers and admit customers to vaults.