Ensure achievement of assigned business targets within defined deadlines.
Improve the branch’s deposit portfolio with a special focus on deposit mobilization, CASA growth, enhancement of fee income, and cross-sell initiatives to increase branch profitability.
Explore potential customers for lending facilities and trade business in line with approved parameters.
Conduct daily sessions with BDOs / frontline staff to review business momentum and target achievement.
Perform portfolio analysis of the branch, identify stagnant customer segments, and drive deepening through multiple product offerings.
Market NTBs and retain existing asset and liability relationships.
Identify and capitalize on opportunities for cross-selling bank products and services according to customer needs.
Maintain high service quality standards by ensuring timely resolution of customer complaints and queries.
Monitor branch upkeep to enhance the customer experience.
Ensure compliance with the regulatory framework, with a special focus on KYC/AML requirements.
Conduct periodic sessions with branch staff and the Operations Support Team to review key operational risks and efficiency levels.
Possess strong leadership, motivation, team-building, interpersonal, management, and communication skills.
Demonstrate the ability to work under pressure, along with strong problem-solving and decision-making skills.
Have thorough knowledge of regulatory requirements, banking operations, and other banking policies and procedures.
Strong understanding of Islamic banking regulations and product offerings.
Preferably a Master’s degree, or at least a Bachelor’s degree, from a reputable university. Certification in Islamic Banking (NIBAF) will be an added advantage.
Lahore, Kasur, Lala Musa, Tanda Gujrat, Faisalabad, Mandi Bahauddin, Kala Shah Kaku, Wazirabad, Islamabad, Rawalpindi, D.I. Khan, Haripur, Dadyal, Bhimber, Mingora, Kallar Syedan, Mirpur, Karachi, Hyderabad, Quetta, Hub Chowki – Lasbela, Burewala, Sadiqabad, and Vehari.
Minimum three (03) years of banking experience in the relevant field.
To scrutinize, analyze, and ensure the completeness of credit applications to identify credit risks and propose mitigating factors before recommending them.
To ensure compliance with the Bank’s policies, PRs, SBP guidelines, and any other directives communicated by line management.
To prepare and review Office Notes and/or RMG Comment Sheets.
To prepare, review, and finalize BFLs for necessary sign-off.
To manage and ensure compliance with SBP and internal audit reports.
To visit and meet obligor(s) at their plant or office to assess their business profile and operations, both independently and jointly with the Technical Assessment Unit.
To monitor PDOs, expired limits, deferrals, and CAD deficiencies with the assistance of the Credit Monitoring Team (RMG) and the business group.
To prepare and maintain or supervise MIS of the respective portfolio.
Should have strong analytical, critical thinking, and multi-tasking skills.
Ability to work under pressure, with strong problem-solving and decision-making skills.
In-depth knowledge of risk management methodologies.
Thorough knowledge of regulatory requirements, banking operations, and other banking policies and procedures.
Preferably a master’s or bachelor’s degree in Business, Banking & Finance, or an equivalent qualification from an HEC-recognized university/institute.
Experience: Minimum two to four years of experience in the relevant field.
To scrutinize, analyze, and ensure the completeness of credit applications (under the regular matrix and product programs) to identify credit risks and propose mitigating factors before recommending them.
To ensure compliance with the Bank’s policies, Prudential Regulations (PRs), SBP guidelines, and any other directives communicated by line management.
To prepare and review approvals and/or RMG Comment Sheets.
To prepare, review, and finalize BFLs for necessary sign-off.
To manage and ensure compliance with SBP and internal audit reports.
To visit and meet obligor(s) at their plant or office to assess their business profile and operations, both independently and jointly with the Technical Assessment Unit.
To monitor PDOs, expired limits, deferrals, and CAD deficiencies with the assistance of the Credit Monitoring Team (RMG) and CRBG.
To follow up and monitor commercial NPLs and advise on necessary actions.
To liaise with the internal audit and compliance teams.
To share ideas and suggestions with line management for improvements in risk assessment procedures and propose policy revisions.
To prepare and maintain or supervise MIS of the respective portfolio.
Should have strong analytical, critical thinking, and multi-tasking skills.
Ability to work under pressure, with strong problem-solving and decision-making skills.
In-depth knowledge of risk management methodologies.
Thorough knowledge of regulatory requirements, banking operations, and other banking policies and procedures.
Preferably a master’s or bachelor’s degree in Business, Accounting, Banking & Finance, or an equivalent qualification from an HEC-recognized university/institute.
Experience: Minimum two to four years of experience in the relevant field.
To scrutinize, analyze, and ensure the completeness of consumer credit applications in compliance with the Bank’s credit policy, SBP PRs, and any other guidelines communicated by line management from time to time, before recommending the credit application.
To prepare the RMG Comment Sheet and/or Office Memo before recommending the credit application.
To input approval details and perform cross-verification of information in the system before authorization by the Manager, Consumer Risk.
To perform integrity checks of applicants using available bank resources.
To ensure that TAT remains within defined limits and service standards are maintained.
To follow up on PDOs, deferrals, etc. (where required) with the assistance of the Credit Monitoring Team (RMG) and respective business teams.
To maintain up-to-date MIS for regular review by line management.
To be responsible for respective audit observations and assist the line manager in coordinating with the audit team for related matters and liaising with the compliance team, as well as other groups, for issue resolution and smooth workflow.
Any other tasks assigned by line management.
Should have strong analytical, critical thinking, and multi-tasking skills.
Ability to work under pressure, with strong problem-solving and decision-making skills.
In-depth knowledge of risk management methodologies.
Thorough knowledge of regulatory requirements, banking operations, and other banking policies and procedures.
Preferably a master’s or bachelor’s degree in Business, Accounting, Banking & Finance, or an equivalent qualification from an HEC-recognized university/institute.
Experience: Minimum two to four years of experience in the relevant field.