To prepare credit proposals & give recommendations according to Bank Credit Policy and SBP Regulations. To carry out credit assessment/review to establish the credit worthiness & Repayment Capacity of the borrowers on the basis of assets conversion cycle and cash flows. Portfolio Management & Position as under: Total Loan Disbursement (Funded & Non Funded) of PKR.3,940 Mn. Default Ratio 0%. Recovery Rate 100%. Responsible for internal and external audit of credit portfolio.

To prepare credit proposals & give recommendations according to Bank Credit Policy and SBP Regulations.
To carry out credit assessment/review to establish the credit worthiness & Repayment Capacity of the borrowers on the basis of assets conversion cycle and cash flows.
Portfolio Management & Position as under:
Total Loan Disbursement (Funded & Non Funded) of PKR.900 Mn.
Default Ratio 0%.
Recovery Rate 100%.
Responsible for internal and external audit of credit portfolio.

To prepare credit proposals & give recommendations according to Bank Credit Policy and SBP Regulations.
To carry out credit assessment/review to establish the credit worthiness & Repayment Capacity of the borrowers on the basis of assets conversion cycle and cash flows.
Portfolio Management & Position as under:
Total Loan Disbursement (Funded & Non Funded) of PKR.1,500 Mn.
Default Ratio 0%.
Recovery Rate 100%.
Responsible for internal and external audit of credit portfolio.

To prepare credit proposals & give recommendations according to Bank Credit Policy and SBP Regulations.
To carry out credit assessment/review to establish the credit worthiness & Repayment Capacity of the borrowers on the basis of assets conversion cycle and cash flows.
Managed the asset (Credit) Portfolio of two Branches (Rahim Yar Khan & Sadiqabad).
Portfolio Management & Position as under:
Total Loan Disbursement (Funded & Non Funded) of PKR.600 Mn.
Default Ratio 0%.
Recovery Rate 100%.
Responsible for internal and external audit of Credit Portfolio.
Managed funded and non funded portfolio of both branches as Hub Manager.

To prepare credit proposals & give recommendations according to Bank Credit Product Policy Guidelines and SBP Regulations.
To mitigate Credit Risk & ensure Credit Compliance according to Bank Credit Policy & SBP Regulations.
Portfolio Management & Position as under:
Outstanding Loan Portfolio of PKR.103.55 Mn.
Number of Active Borrowers 2715.
PAR/ Delinquency Ratio 0.52%.
Recovery Rate 100%.
Total Loan Disbursement of PKR.600 Mn.
To carry out credit assessment/review to establish the credit worthiness & Repayment Capacity of the borrowers on the basis of assets conversion cycle and cash flows.
To take eCIB report of each borrower & give due weight age to credit report while preparing credit proposal and giving recommendations.
To ensure the induction of quality portfolio and minimize Risk.
To co-ordinate with operation department to ensure the timely disbursals of loans
while retaining the integrity of the process and documents.
To take the ownership of collection in the branch and ensure zero portfolio at risk (PAR) and zero loss.
To manage sales/verification staff to create a customer/service oriented culture; develop staff to meet job requirements efficiently.

To carry out Credit Appraisals & prepare Credit Proposals.
To ensure The Disbursement as per credit policy.
Portfolio Management & Position as under:
Outstanding Loan Portfolio of PKR.3.25 Mn.
Number of Active Borrowers 325.
PAR/ Delinquency Ratio 0%.
Recovery Rate 100%.
Total Loan Disbursement of PKR.60 Mn.
To Develop recovery plan of each borrower and hand over to Social Organizer(SO).
To Prepare daily disbursement and recovery report.
To prepare Monthly, Quarterly and annual reports of credit and bank reconciliation reports.
To recover credit and deposit it to the Regional Accounts.
To prepare Monthly Progress Report (MPR).
To calculate Portfolio at Risk (PAR).