Joined as a Relationship Manager (AVP Grade) in Coporate Credit Department -LahoreThe job includes managing credit portfolio of corporate clients including marketing NTBs

* Promoted as a Manager in 3 years* Job Assignment included -Management of credit portfolio assigned to me worth Rs. 150B-Expertly preparing detailed Credit Applications to assess the creditworthiness of clients, propose appropriate facilities, and structure credit limits.-Ensuring optimal utilization of credit limits by actively engaging with clients and providing them with reliable and timely service.-Managing and closely monitoring daily banking transactions for corporate clients, including discounting, disbursements, LC establishment, LG issuance, and deposit placements.-Marketing and acquiring new clients for the bank's corporate credit portfolio and work towards building strong relationships with clients to drive business growth and expand the bank's corporate credit portfolio.

* After gaining valuable experience on the business side, I was promoted within two years due to my exceptional performance and outstanding execution of assigned tasks.* Proficiently overseeing a diverse portfolio of both private and public sector organizations, which includes credit limits totaling Rs. 150 billion.* Expertly preparing detailed Credit Applications to assess the creditworthiness of clients, propose appropriate facilities, and structure credit limits.* Ensuring optimal utilization of credit limits by actively engaging with clients and providing them with reliable and timely service.* Managing and closely monitoring daily banking transactions for corporate clients, including discounting, disbursements, LC establishment, LG issuance, and deposit placements.* Marketing and acquiring new clients for the bank's corporate credit portfolio and work towards building strong relationships with clients to drive business growth and expand the bank's corporate credit portfolio.

* After achieving and consistently delivering satisfactory performance on the operational side of the corporate portfolio, I transitioned to the business relationship side.* Ensuring prompt and efficient responses to clients' banking requirements, prioritizing their needs for optimal customer satisfaction.* Crafting comprehensive credit proposals that include detailed analyses of the company, industry, and economic factors, enabling accurate assessment of the client's financial health and prospects.* Proactively monitoring accounts to prevent any potential issues from becoming chronic or inactive, while strictly adhering to internal policies and government regulations.* Collaborating with various departments and branches to foster cross-selling opportunities and deliver end-to-end client coverage.

* I managed and oversaw operational and transactional aspects of the corporate portfolio. This involved handling credit facilities for corporate customers, as well as overseeing pledge-related transactions, including processing transactions in the system, monitoring pledges, and conducting site visits.* Managed internal and external audit and compliance processes.* Oversaw insurance management, stock reports, and lease finance for the corporate portfolio.* Successfully managed various other operational tasks as required by the superior management.

* Completed the bank's prestigious management training program, encompassing comprehensive classroom teaching and practical divisional/branch rotations.* Training included various crucial areas, including Branch Banking Operations, Credits, International Trade, AML/CFT, Customer Relationship Management, Product Marketing, Audit, Compliance, Banking Laws & Practices, and Treasury* Received mentorship and guidance from experienced professionals, enhancing leadership and problem-solving capabilities.* Actively participated in team projects, fostering collaboration and fostering the ability to work effectively in a dynamic environment.

* I was a valuable member of a team responsible for conducting audits of diverse companies. In this role, I actively contributed to the assessment of their financial records, internal controls, and compliance with relevant regulations. Through collaborative efforts, we ensured the accuracy, transparency, and integrity of the audit process, delivering valuable insights to enhance the companies' financial practices and overall performance.* During my tenure as part of the audit team, I had the opportunity to acquire in-depth knowledge of the audit process and various techniques employed in conducting thorough assessments. Through hands-on experience and guidance from seasoned professionals, I developed a strong understanding of financial analysis, risk assessment, and internal control evaluation* During my tenure, I had the privilege of being a member of the audit team for esteemed organizations such as Charoen Pokphand Pakistan (Pvt.) Limited, Army Welfare Trust, PepsiCo Pakistan, and Nestle Pakistan Ltd. Working with these renowned companies provided me with invaluable exposure to diverse industries

* As part of my job, I was responsible for delivering prompt and effective solutions to customers over the phone, addressing their inquiries, and registering their complaints. I ensured that all customer concerns were appropriately documented and forwarded to the relevant departments for resolution. With a strong focus on customer satisfaction, I strived to provide exceptional service, maintaining a positive and helpful approach in all interactions.

* I had the privilege of learning the various processes involved in leasing. My role encompassed a comprehensive understanding of different types of leases, including operating leases and finance leases.

* During my internship, I had the opportunity to work in the HR department. As an intern, I actively participated in various HR functions and gained hands-on experience in areas such as recruitment, onboarding, employee records management, and HR policy implementation. This valuable experience allowed me to learn about the core functions of HR, develop practical skills, and gain insights into fostering a positive work environment that supports employee growth and well-being.