Identifying, targeting, initiating & managing relationships with corporate & commercial customers and sourcing new mandates from existing clientele spanning over various industries.Evaluation of prospective and existing clients with special emphasis on credit risk assessment and financial analysis.Responsible for achieving budgeted business targets and identifying opportunities for business development.Providing one window solution to all customers by liaising between all key departments (Trade, Treasury, Branches, Credit Risk and Credit Administration Department etc.). Building new to bank relationships (NTB) and strengthening existing relationships by meeting the clients’ operational needs. Managing a diverse portfolio consisting of automobile, pesticides, pharmaceuticals, plastic, engineering & construction, paper, chemical sectors etc. Ensuring compliance according to guidelines prescribed by the regulator and internal policy department.Planning, prioritizing, allocating, supervising and monitoring the work of sub-ordinates to ensure expeditious handling of business requests and consistency with the prescribed bank’s policies and criteria.Close liaising with trade and financial institution departments for timely issuance of letter of credit and guarantees.Dealing with internal operations, CAD and centralized processing units’ queries for timely resolution of customer issues. Maintaining and ensuring healthy relationship with customers.

Building new to bank relationships (NTB)Responsible for developing profitable and quality business. Processing of credit proposal for short term / long term banking requirements of the customers.Credit risk assessment of assigned asset portfolio.Monitoring of infected loan portfolio and its conversion to earning assets.Involved in preparing CLPs, package structuring and in depth financial analysis of the prospective customer to minimize risk. Maintaining and ensuring healthy relationship with customers.Review of limit expiries and preparation of cases for renewal and extension of limits.

Building new to bank relationships (NTB) and strengthening existing relationships by meeting the clients’ operational needs. Managing a diverse portfolio consisting of automobile, pesticides, pharmaceuticals, plastic, engineering & construction, paper and chemical sectors amounting to PKR 1.5 Billion and an annual trade volume of more than USD 2 BillionResponsible for developing profitable and quality business to ensure profits and meeting targets. Close liaising with trade and financial institution departments for timely issuance of letter of credit and guarantees.Dealing with internal operations, CAD and centralized processing units’ queries for timely resolution of customer issues. Involved in preparing CLPs, package structuring and in depth Financial Analysis of the prospective customer to minimize risk. Maintaining and ensuring healthy relationship with customers.Review & analysis of security to make sure that bank’s interest is secured.Review of limit expiries and preparation of cases for renewal and extension of limits.Preparation of reports for Head Office and SBP.Backup of Team Leader.

Responsible for Smooth Working of Branch Accounts OperationsPreparation of Daily Branch PositionPreparation of Business Budget / CAPEX BudgetPreparation of Month End / Quarterly / Six Monthly / Annual ReportsTax Deduction and Filling Return to Tax Authorities on Monthly, Semi Annually and Annually BasisComparison & Analysis of Monthly Branch ExpensesTaking Measures to Control Expenses within a Specified BudgetFrequently Meeting with Higher Management to Discuss Branch Profitability and Future Plan to Revised Marketing Strategy to Achieve the GoalsTDR Profit Payments to CustomersPurchase of Branch AssetsPreparation of Staff Salaries, Allowances and BonusChecking of Daily ActivityPreparation of Expense VouchersHandling Petty CashBackup of Manager Operations

Supervision of local cash / local transfer transactions.Supervision of online cash / online transfer transactions.Supervision of foreign currency transactions.Supervision of remittance.Inward clearing Refferal Approvals.Signature verification of customers and attorney holders.AML ApprovalsStop PaymentDormant ActivationSettlement of disputes related to ATM.Key holderBack up of Incharge Operations

Local cash receipts and paymentsOnline cash receipts and paymentsForeign currency receipts and paymentsLocal and online transfer transactionsDealing with Cash CellPreparation of books as per SBP requirementReplenishing and balancing of ATMBalancing of cash at day endKey holder

Local / Online cash receipts and paymentsForeign currency receipts and paymentsInward / outward clearingInward / outward clearing ReturnsInter-city clearingOnline clearingIssuance and cancellation of DD/PO

Worked in Accounts Department as an Intern.

Worked as Accounts Officer in Accounts Department during internship period.