ResponsibilitiesA. Estimating and achieving targeted budget as well as allocating Budget:1.Prepare Annual target of the Branch in terms of Business Volume Deposits as well as loan and advances) and perform all the tasks and activities by taking proper decision in order to meet targeted Profit (fee based income and net interest income etc.)2.Prepare Annual Operation plan of the branch which are abided by the RFL’s policies, manuals, all applicable laws, NRB Regulation and policy required during performing the duties.3.Analyzing customer feedback data to determine whether customers are satisfied with company products and services.4.Providing insight into product development and competitive positioning.5.Analyzing financial data and developing effective strategies to reduce business costs and increase company profits.6.Conducting market research to identify new business opportunities.7.Collaborating with company executives to determine the most viable, cost- effective approach to pursue new business opportunities. 9.Meeting with potential investors to present company offerings and negotiateB. Achieve and allocating Deposit target:1.Analyze potential deposit market to increase the scope of branch and clientele base and also maintain the relationship with the customers to secure future transaction with them.2.Initiate better ideas for organizational promotion in the area and establishing brand for attracting potential customers to increase profitability.3.Analyze market and keep track of competitors’ offerings for preparing strategies to graspC. Credit ManagementEffective credit management and operation of the Branch which should include the following tasks1. Credit Marketing : 2. Involve in Credit Management functions like documentation, credit appraisal and Disbursement.3. Involve in the activities like Credit Monitoring & Supervision, Credit Recovery & Legal WorksD. Supervising subordinatesE. Monitoring the record keeping and reporting

Responsibilities• Marketed loan and deposit products by explaining, different types of loans & credit options available along with their terms, to customers.• Understand competitor’s products, pricing, and strategies and make and set new product pricing and develop new product. • Developing growth strategies and plans• Managing and retaining relationships with existing clients• Develop new product and Increasing client base• Having an in-depth knowledge of business products and value proposition• Writing business proposals Tie up with more corporate house• Negotiating with stakeholders• Identifying and mapping business strengths and customer needs• Researching business opportunities and viable income streams• Following industry trends locally and internationally• Drafting and reviewing contracts• Reporting on successes and areas needing improvements

Responsibilities• Ensure achievements of planned branch growth by implementing strategies to achieve deposits, risk assets and other sales plan targets. • Understand competitor’s products, pricing, and strategies provide regular feedback to Business Heads.• Actively contribute in annual budgeting and planning process for the branch's annual budget.• Established goals, measured performances and assessed outcomes.• Identified the strength of each team member and organized roster accordingly.• Built and nurtured effective relationships with key existing and prospective customers. • Carefully reviewed and updated credit and loan files.• Marketed loan products by explaining, different types of loans& credit options available along with their terms, to customers. • Deal very capably with various aspects of the branch operations in coordination with Department Head and other staff. • Successfully manage a branch team to deliver quality services.• Monitoring Credit Facilities via Covenants, follow ups, site inspections and recoveries• Development and implementation of credit control procedures ensuring a strong credit culture • Ensure effective credit controls of branches• Approve loans within the delegated CAD

Responsibilities• Utilize strong skills in ensuring smooth operations of all departments of customer service and teller by effectively handling peak customer hours, resolving customer complaints and providing service within the stipulated service delivery time.• Effectively manage branch operations while guiding staff members to know more about their jobs, responsibilities and other banking procedures, including latest developments related to their job areas.• Deploy techniques to ensure smooth functioning of Operations Department with due vigilance in operational risks and minimization of the same up to the possible extent.• Provide leadership, training and mentoring to the staff members in accomplishing the department functions.• Deal very capably with various aspects of the branch operations in coordination with Department Head and other staff.• Easily develop rapport with clients, quickly assessing needs and responding effectively to pressure and deadlines.• Diligently review KYC and updated the same on an ongoing basis.• Applied analytical abilities to review and monitor all reports pertaining to the branch and took needed corrective actions.• Envisioned smart solutions and executed strategies and initiatives that achieved perfect customer service and cordial customer relations.• Consistently keep a close watch on system and premises security to avoid any untoward incident.• Accountable to make department members acquainted with the internal regulations of the bank like circulars and external regulations, including NRB Circulars, Government Gadgets and other related publications while ensuring application and compliance of such regulations in the regular jobs of the department.• Compile monthly exhibits and other reports required for Nepal Rastra Bank.• Actively contribute in annual budgeting and planning process for the organization's annual budget.• Verify internal controls and compliance guidelines issued by the bank.

Responsibilities• Built and nurtured effective relationships with key existing and prospective customers.• Elicited information, from applicants, for loan applications and answered questions about the process.• Scrupulously obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information. Made field visits to borrower’s residence, FAC, business site and prepared inspection reports.• Marketed loan products by explaining, different types of loans & credit options available along with their terms, to customers.• Achieved efficiencies in handling the entire Malpot related tasks such as preparing Rokka letter, registration mortgaged deed and other documentation. Keenly followed up for the installment and interest recovery.• Meticulously prepared credit legal documents and uploaded the same in the system.• Provided vital assistance to the micro finance field staff on preparation of their individual detail work plan, expected milestones and monitored indicators.• Held the accountability of managing Branch Credit Department. Structured financial and NRB reports and reported to NRB.• Primarily tasked with managing information technology and computer systems, and ATM reconciliation.• Leveraged broad competencies in designing, developing, implementing and coordinating systems, policies and procedures.• Adeptly maintained assets, information security and control structures.• Responsible for administering payroll and employee benefits and organizational insurance.• Regularly ensured strict adherence to the process parameters/systems as per defined guidelines.• Skillfully implemented bank’s plans and policies in all operational areas in conformance to regulatory norms.• Instituted the system of capturing inquiries/complaints at source and speedy solution thereof.• Gained invaluable experience in preparation of bank reconciliation of customer accounts and preparation of other accounting records.