Detailed due-diligence of credit proposals pertaining to SME-Commercial and Corporate finance to provide independent risk advice and ensure SBP PR Compliance. Ability to analyze prospective clients and to provide the basis of decisions made at senior level. Develop comprehensive evaluations of the proposals submitted by different business units within the stipulated timeline. Keep track of policy deferrals/exceptions and ensure regular follow-ups. Helping to enhance the quality of credit applications. Gathering information about clients and conduct thorough analysis of financial statements. Manage and grow SME/ Trade based relationships of customers ensuring that their banking needs are met with respect to Trade servicing and SME financing. Knowledge of SME and Trade regulations and basic documentary requirements for SME Credit and import/ export transactions. Introduce new customers to the Bank having a potential for SME and Trade business. Negotiate deals with customers in line with the Banks profitability targets. Conduct Customer Due Diligence of new and existing credit applications. Conduct regular visit and call to the customers ensuring customer experience standards. Continuously monitor customer satisfaction and take proper measures and initiatives to improve overall service level. Responsibilities Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e.g. credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans.

RM SME

Detailed due-diligence of credit proposals pertaining to SME-Commercial and Corporate finance to provide independent risk advice and ensure SBP PR Compliance. Ability to analyze prospective clients and to provide the basis of decisions made at senior level. Develop comprehensive evaluations of the proposals submitted by different business units within the stipulated timeline. Keep track of policy deferrals/exceptions and ensure regular follow-ups. Helping to enhance the quality of credit applications. Gathering information about clients and conduct thorough analysis of financial statements. Manage and grow SME/ Trade based relationships of customers ensuring that their banking needs are met with respect to Trade servicing and SME financing. Knowledge of SME and Trade regulations and basic documentary requirements for SME Credit and import/ export transactions. Introduce new customers to the Bank having a potential for SME and Trade business. Negotiate deals with customers in line with the Banks profitability targets. Conduct Customer Due Diligence of new and existing credit applications. Conduct regular visit and call to the customers ensuring customer experience standards. Continuously monitor customer satisfaction and take proper measures and initiatives to improve overall service level. Responsibilities Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e.g. credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans.

Brief Job Description of Credit Officer/Manager
The role is responsible for handling asset/credit portfolio of the branch under the supervision of the credit manager or branch manager. It assists in evaluating, screening and drafting proposals based on strict guidelines and ensures decisions are in line with the risk management policies by maintaining the turnaround time and quality of decision making to agreed standards. Provide assistance and implement sales strategies for managing the asset and credit portfolio of the branch and achieving new-to-bank growth targets (increasing volume of the asset portfolio) while observing strict compliance of credit manual, SBP policies, circulars, KYC / AML policies and procedures.
Selling of asset products to new-to-bank clients after evaluating financial risks and obtaining legal advice to achieve asset sales targets. Carry out the valuation of properties for liquidation by following the banks defined procedures.
Commence the credit initiation process by gathering information and drafting credit proposals, to ensure credit decision making is in line with credit policies, SBP, Prudential Regulations and overall business objectives.
Prepares credit approvals for customer by ensuring credit applications are correctly prepared in accordance with the banks policies.
Ensures there is no security shortfall and the credit proposal is complete for disbursement of all finances as per credit manual/circulars.
Monitors performance through MIS reports and presents results to management at regular intervals for watch list accounts with follow-ups for recoveries & handling of classified finances by issuing legal notices.
Timely preparation & submission of all required credit statements & CRMIS data to improve the credit process and provide marketing support to credit products.
Balancing of all related GL heads & books to ensure the balances are in line with the number of transactions are done.

SME

Maintain safe custody of physical cash within permissible limits in the cash drawers and perform the cash in/out transactions accurately ensuring the physical cash balances always tallies with the Teller total at the prescribed periodicities on start of day, intraday and end of day.

2. Receives and dispenses cash to customers and processes checks, demand drafts, SWIFT transfers, remittances, foreign currency, deposits, withdrawals, utility payments account to account transfers etc. as per the approved policy & procedure of the Bank after due verification of appropriate forms and documents ensuring prompt and error-free service.

3.Process all deposit transactions accurately against proper verification of the identity and authenticity of the customer by obtaining the required supporting documents/source of income/ details/ consent letter of the customer (whenever required) as per the approved procedure and AML/KYC policy of the Bank