To excel and execute my professional and technical skills and to enhance my abilities by working in a dynamic organization that provides a smooth career growth.
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• Assist branch manager in managing asset sales team
• Responsible for loan files screening as per policy.
• Review and manage customer credit appraisals with newly hired LOs
• Review branch PAR and help LOs in recovery from OD clients
• Work closely with Sales team to identify new markets for business development
• Coordinate with Operations team for smooth working of data punching and disbursements
• Review and part of BCC of Loan files as per policy.
• Provide ongoing training and motivation to the credit staff
• MIS Reporting
Market & sell KMBL MSME loan product – maximum loan amount up to Rs. 500,000.
• Identify new MSME/ small business enterprises in the assigned area, and achieve monthly targets.
• Responsible for generating new MSME clients
• Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
• Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.
• Responsible for processing relevant loan documentations and monitoring loan portfolio.
• Ensure prompt delivery, repayment of MSME loans and provide periodic portfolio information.
• Coordination with Accounts department regarding payment certificates.
• Coordination with Procurement department regarding Cheque Issuance Memos, LPOs and Store Issuance Vouchers.
• Coordination with Administration & HR department regarding manpower and back charges.
• Preparation of payment certificates for suppliers as per contract.
• Preparation of payment certificates for subcontractors as per contract.
• Preparation of payment letters.
• Posting Bill of Quantities of in the accounting software “Build Smart”.
• Preparation of manpower back charge letters.
• Preparation of material back charge letters.
• Preparation of any other reports assigned by the Contracts Manager.
• Disbursement of secured & unsecured micro loans.
• Preparation of loan application documents.
• Managing and maintaining the existing portfolio.
• Generating new portfolio in addition to the existing one.
• Ensure 100% recovery of the disbursed secured & unsecured loans.
• Follow up on customers’ dues and delayed loan payments.
• Conduct field visits to ensure timely recovery of disbursed loans.
• Conducted quarterly meetings with customers to maintain a smooth relationship and to have an updated knowledge of the market.
• Prepared sales review reports on monthly basis.
• Prepared productivity report on monthly basis.
• Visited all north branches semiannually for branch operations review.
• Visited all financial centers semiannually for operations review.
• Monitored branch & central clearing operations on daily basis.
• Reviewed offsite risk reports on daily basis.
• Reviewed offsite Branch Operations Reports on daily basis.
• Visited all North Branches semiannually for Collateral (gold) Re-evaluation.
• Prepared Branch Operations Review Reports.
• Prepared Branch Collateral Revaluation Reports.
• Investigation and resolution of the Easypaisa Customer Complaints within given TAT.
• Monitored Easypaisa transactions through AML Risksecure
• Monitored AML reports and identified and reported the suspicious transactions to the Compliance department through AML Risksecure.