Muhammad Shafique Email and Phone Number

• Sourcing customers from open market for Car Ijarah & Home Musharkah products• To deal with walk-in customers and bank’s existing customers from different branches• Understand customer’s need, explain product features & guiding them the right product• Assess financial status of the applicant and help them to select the best payback strategy• Check repayment history of the applicant with banks through different available sources• Coordinate & schedule appointments with customers for signing off the application form and completion of supporting financial documents• Initiating verifications of applicant and sending income documents for verifications• Ensure strictly to adhere the bank’s KYC, SOP, compliance and risk policies• Preparing proposals (facility sanction advice - FSA) based on agreed finance amount, completion of credit files and sending complete files to head office for decision• Preparation and completion of disbursement related documents• Coordination with sales team, credit and operations team for timely processing• Resolving the discrepancies marked during the approval and disbursement process• Cross selling liability products• Maintain positive relationships with customers• Provide consultative counseling to the branch network in an effort to achieve goals• Complaint management; inquire, resolve and close the complaints• Team Management; guide & train associated relationship officers from different branches

• Dealt with walk-in customers• Took inbound calls, dealt with questions efficiently and effectively• Gave customers the correct advice after understanding their needs• Maintained a friendly manner and calm, positive demeanor when handling complaints• Worked to ensure all individual and team targets were met• Providing admin duties• Assisted in training new members of staff

• Reviewing documents as per KYC requirements for onboarding new to bank customers• Booking, rebooking, rollovers, restructuring of payouts of deposits and guarantees• Review and update KYC documents of new and existing customers• Coordinate with Sales for completion of KYC documents as per compliance requirements• Performing end to end activities for booking of corporate deposits and issuance of guarantees, also taking transaction approvals if required • Performing customer due diligence for high risk and NTB customers• Coordinate with Treasurer for rate approvals for new and rollover deposits• Coordinate with CPV team, Underwriting and Compliance for necessary checks• Telephonic verification of deposit or guarantee details prior to deposit booking• Preparing deposit confirmations letters, credit facility letters• Performing rollovers for matured deposits on daily basis• Handling maturity, prematurity and accrued interest payouts for Deposits and Labour Guarantees refunds on E-Dirham system• Handling payout as per instructions of Courts, Judicial Departments and MOL• Preparation of monthly maturity reports for management review• Bank account reconciliations• Exceptions clearing

• Dealt with walk-in customers regarding sales & after sales queries• Coordinate with Hub sales Manager regarding Sales & new Applications.• Review the applications received for Auto Finance facility.• Review the supporting income documents for Auto Finance.• Minimizing the risk, and securing bank's portion of amount Financed.• Resolving the Discrepancies for decisions of loans applied. • Coordinate with Credit Initiation Unit for quick & timely decisions.• Coordinate with Operations Department for Account opening, disbursements of loans and other Operation related issues.• Review rejected applications for quickly conversion into approvals• Conversion of rejected loan applications into approvals by providing supporting documents• Preparing MIS reports for management review

• Quick and confident decision making during transactions processing request.• Monitoring cash factoring and money laundering during retail transactions.• Monitoring, detection and controlling fraudulent activities at POS outlets.• Coordinate Fraud Management Unit as and when required• Customer verification using Visa International and MasterCard services• Blocking, unblocking and activation of credit cards• Updation and Removal card accounts on Visa International and MasterCard files.• Monitoring minimization of risk while online transactions.• Handling customer’s queries related to cards.• Monitoring & Posting payments of telecom and utility bills payments against Credit Cards• Solving the RISK MANAGEMENT issues