In 2014 I had been transferred to CAD department. I was responsible for the credit operations of Central-I and Central-II regions. Following are my job responsibilities.• Looking after the Credit Administration Department with total credit portfolio of Central Region (I&II) i.e. SME (SE/ME) and Corporate clients. • Centralization of CAD operations.• Supervision of limits and mark-up rates.• As Team Leader, supervision of all CAD operational activities• Arranging/Checking/Monitoring completion of credit and security documents as per terms of approval for SME (SE/ME)/Corporate Clients. • Issuance of Disbursement Authorization Certificates after perfection of documents both security as per approval terms and maintaining record thereof.• Ensuring credits allowed to the clients are availed as per terms and conditions of approval and regular monitoring of same for health of portfolio. • Management of Security in Pouches in the Vault Cabinets, maintaining of all Customers Credit Files. • Other functions include Co-ordination with audit and rectification of irregularities pointed out. Maintain credit discipline and ensure compliance of instructions of bank’s management from time to time.Further my J.D includes the checking of the original documents and after getting the exceptions removed issuance of DAC.

In 2005 I had been transferred to Credit Department and initially I was responsible for handling the credit operations. later on I had been gone through the whole department and my job responsibilities were encompassing the Guarantees, Securities Management and Perfection, Pledge Management, preparation of Credit Approvals etc.In 2008 I had been elevated as Incharge Credit and I was responsible for timely submission of departments reporting and supervision of appending below activities.• Cash Finances• Demand/Term Finances• Finance against Imported Merchandise• Finance against Trust Receipt• Discounting and Purchasing of Inland Bills• Mark-Up on Finances.• Letter of Guarantees Local/Foreign• e-CIB Reporting• Single Transaction Facility.• Limit Processing• Consumer Financing.• Processing of Credit Proposals & Balance Sheet Analysis.• Proficient in documentation of all types of Securities including creation of charge, mortgage charge, lien over deposits. Obtaining legal opinions, valuations, stock reports, insurances and all other matters relating to credit administration.• Looked after the credit department as Incharge Credit of Main Branch Lahore having a funded portfolio of Rs.7Bio and non-funded portfolio of Rs.4Bio

Joined Soneri Bank as Trainee Officer and after completing my training at the Bank I had been transferred to Operation department. Here I started from inland Remittances, clearing and bills. Later on I was elevated as Operation Manager.