Supervise credit factory for credit processing and Risk evaluation.

To manage and enhance credits portfolio.

Review various financial analysis and credit modeling reports against the bank's credit policy regularly
Accountable for structuring of credit portfolios and facility documentations
Analyze and recommend revisions in bank credit and lending policy
Scrutinize loan documents and suggest the most suitable scheme as per customer's demand
Ensure credit adherence with bank policies and actively participate in decisions regarding acceptance of beneficial credit deals and rejection of sizeable loans where credit risk is significant

Initiate credit proposals and process them as per bank's internal procedures and SBP guidelines
Recommend credit limit for clients based on liquidity and market analysis
Authenticate documentation presented for all credit applications and ensure they meet the KYC requirements and any other requirements as required by the Organization and by the regulators
Prepare charge documents for disbursement and all other pledge & insurance related matters.
Proactively manage risk /exposure for assigned portfolio Continuously
Monthly SBP reporting and updation of ECIB records.

Responsible for identification of customer needs and analysis of their profiles in context of extending credit facilities and related services.
Implementation of targets-oriented plans for enhancement of credit portfolio with focus on broadening customer base, strengthening long term relationships, and maximizing profits through these relationships.
Preparation of eCLPs, all Pre-disbursement formalities, completion of documentation, obtains Disbursement Certificate from Credit Administration Centre and all other pledge & insurance related matters.