Responsible for ensuring seamless daily operations of (branch operations) by providing strong leadership, direction,internal controls & policies. Attend customer queries & prompt resolution for enhancing quality in service.Banks SOP in Branch Operations, proper record maintenance and no SBP penalties or events of Fraud and Forgeries are faced. Ensure that operational risks are under control through strict adherence with rules, regulations, procedures and policies.Monitor operations of the branch with respect to proper implementation of standard operating procedures.Oversee administrative & operational issues & provide operational support to respective sta or prompt resolution & smooth operations of the Branch.Ensure management of Cash to LCY Ratio, Budget Vs Actual Branch Expenses, Cash Transportation Expense, & AOF Upload within TAT, Processing of Account / AOF Accuracy, Exceptions and Rectification of AOM report Exceptions within TAT, Closure of Audit Reports, ATM Utptime and Digital Intrusion.Ensure that effective Customer Due Diligence has been performed including identification & verification, sanction screening, and periodical reviews and update of KYC of the customers.Perform transactions due diligence for all complex, out of pattern, irregular transactions and report suspicious transactions to the Compliance Division as STR.Manage and monitor administrative and functional activities of the Branch,take necessary actions for improvement of working environment.

Job ResponsibilitiesManagement & Supervision of overall branch banking operations, ensuring efficiency, effective controls and maintenance of service quality standardsOversee the account opening, maintenance process and maintain controls in line with banks internal procedures and KYC/AML requirements. Monitor status of Dormant, inactive and unclaimed accounts Supervise signature scanning and uploading in the system at the time of opening of accountsReview & authorize branch banking transactions.Responsible for management, supervision & reporting of branch operational expenses, related payment execution in liaison with vendors and F&ASupervise home remittances (Western Union) Monitor and coordinate with CMD for effective cash management, Submition of all payable/deducted taxes & other levies for deposit with SBP/NBP as per policyTimely and accurate preparation/submission of all scheduled reports to Finance, Retail, SBP and others as directed by Head Operations.Implementation of Internal Policies and procedures, record keeping of policy update is adequate. All policies/procedures, SBPs guidelines including Prudential Regulations.responsible for non-Compliance, Audit Observations and other self-assessment functions and will also be responsible for rectification of all discrepancies Managing general administration including branch premises issues, keys administration, stationary & supplies requirements, fixed assets management etc. Custodian of branch vault, Cash safe & gold safe keys,Monitor & evaluate performance of branch operations staff. Capacity building of branch operations staff for improving performance & impart operational trainings.

Responsible for checking,verifing,input and monitoring all loan applications submitted and ensuring compliance with credit disbursement, legal and internal eligibility requirements.Collateral Documentation and Initiation Scrutiny Securitization of Loan Documentation to ensure Compliance of Credit Administration Procedures & applicable PRs. Ensure perfection of Collateral prior to loan Authorization in Compliance to Credit Administration Procedures aligned with terms of security. Execute data checks that applicant in not a defaulter of KMBL or any other Institution.Review & Analysis of LRF/LAF & Documents Compliance of Credit policy and other guidelines circulated regulatory, Compliance of pre-disbursement formalities in line with Credit Administration & Operational procedures. System Input and Loan Disbursement Verifying that valid and accurate data input in the system from source documents related to cash flow, credit scoring, Credit disbursement in accordance with credit approval.Audit & Compliance Coordinate for Audit of Credit documentation & processing by internal /External/SBP auditors. Responsible for timely compliance of Audit observations.

Responsible for processing of account opening, maintenance, chequebook, Term deposit, remittances, clearing, internal online transfers & other general Banking operations within stipulated Turnaround time, maintain database for reporting/record and assist BOM in branch operations as per KBL policies and SBP guidelines.Account Opening & Maintenance Responsible for opening customers accounts & related documentations in compliance with KIM, KYC (Know your customer) & AML(Anti money laundering), Maintenance of customer accounts for status & profile changes in liaison with BTU, Completion of account opening documents forward to BTU.Policy Compliance / Audit Adherence to KBL policies and procedures, compliance to internal, SBP policies and other regulatory requirements, ensures zero observations from BTU/SBP Internal/external Audit.Processing of Transactions Issuance of chequebook, counter cheque, bankers cheque/pay order, remittance instruments, account statements as per applicable procedure. Processing of Inward, outward clearing, OBC, banca-insurance, Term Deposit, internal & online transfers as per laid down procedures, Signature capturing of customers and verifications.Record Keeping Maintain proper record of reports and vouchers related to customer servicing desk, maintain security stationary and other stationary & its record management as per procedural & Completely filing registers and signing off from Operations Manager.Customer Services Maintain TAT in processing of customer servicing related transaction zero complaints, assist customers in filling up the transactional applications        

Responsible for Till Opening, Till balancing and Till closing,Cash payment & Receipt, error free and efficient processing of Deposits, Withdrawals Transactions, Cheque and negotiable instruments at the customer counter within stipulated Turnaround Time maintain database for reporting/ record and assist OM in branch Operations as per KBL policies.Cash Payment & Receipts Error free processing of Deposit, Withdrawal transactions from cash counter with accuracy & without excess/shortages, Petty cash Management, local & online transactions, receipt & its posting promptly & recorded in system.Cash Sorting Sorting of cash in line with SBP & KIM guidelines & its record maintenance with zero objections from SBP & Internal/External Audit.Cash Management Building for cash requirements of the branch & ensure cash is maintained within the prescribed limit. Cash transportation is done strictly in line with KIM, ensuring excess cash insurance (where required), Cash physically balanced with the system before leaving the seat during day and day end.