✓Support team to meet business targets while ensuring that credit risk is maintained at prudent level as per policy and guidelines.
✓ Coordinate with branch management to improve loan rejection rate and adopt best practices.
✓ Ensure proper complaint escalations as defined by SBP regulations.
✓ To assess the customers about appropriateness of products and services that suits to his/her needs.
✓ Identify & report service quality lapses or breach of ethical / professional behavior by sales teams.
✓ Ensure vigilance & identify serious non-compliance issues during verifications & document the observations.
✓ Ensure Credit Policy & Procedural changes are implemented.
✓ Adherence of Credit Policy/ Procedures / Guidelines.
✓ Establish a strong service culture and mindset focused on customer needs without compromising key
controls and in line with credit policy & procedures / other covenants.
✓ Ensure to improve the performance portfolio quality through different tools and techniques.
✓ Assess, propose and implement risk reducing measures within the credit process by ensuring high level of lending efficiency.

➢ Assisted senior-level credit officers with complex loan applications.
➢ Performed daily maintenance of the loan applicant database.
➢ Educated customers on the variety of loan products and available credit options.
➢ Visits of potential borrowers, business places, residences and guarantors for social appraisal and
guarantor’s status and readiness to own the guarantee.
➢ Preparation of financial appraisal including cash flow analysis, income statement to determine repayment capacity of borrowers.
➢ Business Growth with cross selling of different products.
➢ Ensure regular and effective monitoring of the portfolio so that problems can be detected;
➢ Responsible to ensure compliance with the prudential regulations and bank’s internal policies & procedures.
➢ Maintained record of all related documents.