Looking after portfolio of SME Corporate finance

Working As credit analyst & relationship manager in Allied Bank ltd.
Major Responsibilities ate as below
 Evaluation, recommendations and elevation of credit proposal and signing the relative documentation of Abbottabad region branches.
 Credit analysis of existing and fresh loans of the Abbottabad region branches and monitoring pre disbursement and post disbursement issues of credit facilities.
 Supervise and handle all sorts of formalities for processing finances (working capital, instant finance, RF, LCs, Bank Guarantees, Encashment, Lien marking & removal etc.).
 Counter check Facility Advising Letter, IB Forms and other related security documentation including charge documents.
 Coordinating with Credit and Manager Forex for foreign trade / exchange related activities e.g. opening of letter of credit and Lodgment/retirement of Import documents of Abbottabad Region Branches.
 Obtaining information / documents from client, external agencies, banks etc for processing of Proposals.
 Ensure all possible credit risks are properly evaluated and addressed.
 Obtain Legal Advise i-e vetting of security documentation.
 Counter signing all correspondences with customers and superior offices.
 Make all post-disbursement follow-up & monitoring of credits of Abbottabad region branches.
 Monitoring for recoveries of principal, mark-up & other charges, etc. through regular follow-ups through branches

Worked as Branch Manager in Mcb bank ltd shahfaisal colony branch

I have worked as a Credit Manager in the CBBG (Commercial Branch Banking Group) presently managing the assigned credit portfolio (i.e. Korangi Industrial Area, and Shahrah-e-Faisal) of PKR 1.2 Billion
Major responsibilities at various branches
§1 Managing the assigned credit portfolio of commercial clientele, comprising of diverse fund and non-based financing secured against various nature of collateral
§2 Credit lines structuring.
§3 Preparation of Credit approvals for all the customers in the portfolio before initiating any secured on unsecured transaction with them. CA entails recommendation of credit extension to the credit approving authorities, highlighting basic information on the borrower, credit memorandum, examining and analyzing the financial information
§4 Compile and analyze financial information
§5 Monitoring cash flows of the companies to ensure timely repayment of credit facilities extended
§6 To analyze the business structure and its different function of the concern to understand and justify the requirement of the funds
§7 Working closely with credit division for approval of facilities along with making presentation to the credit committee (on a case to case basis)
§8 Timely identification of underperforming and distressed businesses and recommending suitable action to avoid any potential loss to the bank.
§9 Ensuring that the Credit Proposals should comply with Prudential Regulations of State Bank of Pakistan (the Central Bank) and with credit policies of Bank.