SEAMLESS, SECURE AND SIMPLE PAYMENT SOLUTIONS FOR YOUR BUSINESS:Merchant Solutions | Payment Gateways Solutions| Merchant Bank Accounts Assistance | Quick Payment Check out | Digital Invoice Payment | Payment by Link | E-Commerce Solutions

- Financial and Business Consultant- Financial Advisory - Company Formation (mainland and Free zones)- Managing portfolio of Business Clients to arrange Banking Products for them- Arrangements of Banking Facilities such as TR, LC, TR and Bank Guarantees

• Manage portfolio of Corporate/SME customers and providing financing solutions based on their corporate objective, financial standing and act as their relationship banker• Conduct financial needs analysis and recommends appropriate products to meet clients’ needs• Undertake credit evaluation and preparation of credit proposals – Corporate and SME• Interpret and analyze financial statements, income statements, balance sheet & cash flows• Conduct in-depth reviews of clients' financial circumstances and future goals• Monitor the portfolio’s credit risk, investment performance, and review and revise their plans based on modified needs and changes in markets• Recommend and arrange property, stock, life and credit insurance cover for clients• Resolve complaints and providing customer information in a timely manner• Handle and preparation and submission of required data to the management/Central Bank • Develop and maintain asset portfolio through adequate marketing efforts and within the credit parameters as set up by the bank• Define and implement the delivery of sales strategies and targets through cross selling/tracking of the existing customer base. Devise and execute business development strategies to attract and acquire new client

Business Banking DivisionTrade Finance & Multiple FacilitiesRelationship Management & Portfolio Management (Business Banking Division)• Credit & Financial Analysis and Credit Line Proposals • Preparation of Credit Line Proposals & Business Visit Reports / Call Report then forward application to Credit department for further • Financial Statements Analysis (Spreadings) & Bank Statement Analysis

• Focusing on Business Development by Introducing new customer to the bank by the way of SME Business Loans and accounts• Preparation of Credit Line Proposal, Business Visit Reports, In-house Financials details and also completion of disbursal documents / Security Documents • Pre-evaluation and pre-screening of Business Loan Proposals to facilitate potential SME clients • Responsible in portfolio management and relationships building to increase the numbers of Customers & provide quality customer services.• Understanding and evaluation of customer’s strength through company profile, bank statements & Audit financials (Income Statement, Balance Sheets, Cash Flow analysis)• Interaction with other departments internally within the bank

• Introducing new customer to the bank by the way of SME Loans and Business Accounts• Responsible in portfolio management and relationships building to increase the numbers of Customers & provide quality customer services.• To manage the team in the absence of Team Leader• Preparation of Credit Line Proposal / Loan Application write-up based on customer’s financial documents status and field visit.• Understanding and evaluation of customer’s strength through bank statements & financials• Following all policies which define responsibility for establishing, maintaining and implementing client’s instructions • To update line management on daily business activities for better controls on sales & services.• Adhere to all policies with regards to KYC (Know Your Customer) & AML (Anti Money Laundering) as set out by the bank from time to time.• Fulfilling the due diligence to avoid delinquency and identify cross sale opportunities for the BankAchievements: • Promoted to "Assistant Team Leader" in early 2010• Outstanding rating in year 2009• Outstanding Rating during year 2008• Promoted to “Sr. Relationship Officer” in early 2009• Best Performer (New Comers-2007) Award• Promoted to "Relationship Officer" during probation period of 6 months• Consistent Performer-2007 Award• "Outstanding" Rating during year 2007

Handling Auto Finance dept. (Credit Proposals & Processing of Car Loan, Sales, Completion of Legal Formalities, Borrower Verifications & Documentations etc.) MIS Reporting & Reporting on "SBP-Foreign Exchange Returns Reporting System"

Handling the Trade & Credit portfolio (Credit Line Proposals, Borrower Fact Reports, Issuance of L/G, Fix/Call Deposit, Foreign Remittances, Financing etc)Reporting on "SBP-Foreign Exchange Returns Reporting System" &