MAJOR ACHIEVEMENTS:
● Drafted & implemented following documents in Credit Administration Department by getting them approved by Bank’s Enterprise Risk Management Division & Internal Audit Department:
▪ Credit Administration Department SOP Manual (Standard Operating Procedure Manual)
▪ Credit Administration Department SLA (Service Level Agreement) with Corporate Business Group and with Corporate Real Estate
● Successfully Implemented Auto Follow-up Notification System in coordination with ITD
● Finalized Credit Administration Department requirements (RFP) for new Core Banking System and represented CAD as team member in new Core Banking System Implementation
● Assisted in finalization of all Securities & Products Documents in coordination with Sharia & Legal Department
● Drafted Retail CAD SLAs & SOP

RESPONSIBILITIES:
● Handling Final Security Review & Disbursement Authority for the Assigned Corporate Hubs
● Handling/Assisting in Credit Limits Management in T-24 System
● Security Documentation Review for Security/Transaction Documents for all Credit Facilities (Corporate, SME & Real Estate)
● Final Check of the Facility Advice Letter/Documentation prepared by CAD Documentation Unit before releasing to Business
● Following up with Banking Units/Relationship Managers for perfection of documentation by removing discrepancies
● Maintenance of Regular Credit Limits for Corporate/SME clients
● Issuing Instructions to Investment Finance Department & Trade Finance Department for Booking/settlement of deals/establishment/issuance of LCs & Bank Guarantees.
● Ensuring integrity & accuracy in Document/Securities Review and timely internal reporting
● Monthly CBRB Updating/Supervision
● Handling/Supervising Security Releases
● Supervision/Issuing Security Release Letters
● Submission of Monthly Deal Tracking Report to Business Units, CRO & Head CRMD with their pending/completion status.

● Preparations of required Security/Transaction Documents for all Credit Facilities (Corporate & SME)
● Security Documentation Review for Limits updating
● Following up with Banking Units/Relationship Managers for perfection of documentation by removing discrepancies
● Ensuring integrity & accuracy in Document Preparation and timely internal reporting
● Visual Checking of Daily Limit Maintenance & Facility Record Sheet
● Supervision/Issuing Charge Release Letters
● Supervision/Issuing Security Release Letters Supervision marketing clearances (From Internal & external sources)
● Supervision balance confirmation for audit purposes

Worked in following different teams in the newly established centralized Credit Risk Control Division
● CRC Symbols Team (Line Monitoring)
● Documentation Unit
● Takeover Unit
● Custodial Unit
RESPONSIBILITIES:
● Preparation of required Documents for all credit facilities.
● Ensure safe physical possession of all prepared documents in custody.
● Preparation of IB-Forms, Charge Documents, Equitable/ Registered Mortgage documents
● Marking of Liens & Issuance of NOCs to other banks.
● Preparation of Pre-Disbursement Documentation Review Reports
● Daily Monitoring of Lending Facilities of Centralized Branches
● Facility Creation and handling amendments in Limit amounts and Mark-up Rates
● Monitoring of Insurance of Pledged Stock
● Getting the Disbursement requirements fulfilled by the Branches
● Provide any requested information to CRCD Teams & Branches on Documentation.
● Preparation of Non-Standard documentation through LAD
● Arrangement of legal opinion after completion/ registration of security documentation
● Preparation of various MIS prepared for group reporting.
● Visiting Corporate branches for the purpose of CRC Take Over Process
● Getting all documents i.e. credit and security documents from the branch and making proper credit and security file
● Scrutinizing the credit and security files for relevant documents and Brief Review of the security documentation in line with terms & condition of Approval of Finance for fresh, renewal and enhancement case and getting these rectified by the Branch Personnel.
● Receiving of Branches Taken Over during MCB CRC’s Take Up process.
● Issuance of Collateral Lodgment Receipts to the Branches.
● Maintenance of physical as well as scanned data.
● Assisting the documentation unit for Preparation & Reporting of UER (Unit Exception Report) to respective branches.