Experience

Bank

• Pakistan
• Banking
• 1 - 100 Employee

• • Aug 2015 - Present

   Ensure complete documentation of loan files and its compliance with Credit Policy & Procedures and other guidelines circulated from time to time. Reviews and approves/declines large and complex loans prior to submission Manager Credit Risk including all loan products. Provide guidance and assisting verification officers in every aspect related to credit policies and procedures at WMBL. To ensure data accuracy (Disbursements and Payments.) & timely processing of loan file following TAT and smooth flow of loan disbursement. Continuous contact with branches for verbal discussion and clarifying ambiguity regarding loan files. To identify discrepancies in Data punching and information at the branch end and communicating the same to the branches for rectification.  To recheck the rectified entries with source documents for ensuring proper rectification. Performs all other miscellaneous responsibilities and duties as assigned by line manager. Conduct a post disbursement verifications on sample basis of branches or as assigned by line manager. Ascertain borrower’s existence & actual loan utilization in compliance with credit purpose in the loan documents. Following and implementing the regulatory requirements in words and spirit. Identifying the potential loop holes in the existing processes and providing suggestions to better safeguard the organizational interests. Show less

• • Feb 2014 - Present

  *Facilitated in performance of Compliance & Fraud investigation*Coordinated with Risk Management Head in reviewing Fraud & Forgery policies Liaison with information security and IT to minimize internal/external frauds. Coordinating with Risk Management Head in reviewing Fraud & Forgery Policies and procedures periodically and ensuring the implementation thereof across the network. Identify, assess and monitor the compliance risk. Facilitate in performance of complaints & fraud investigations against branchless banking agents and report the outcome to Head Office. Surprise visit to Branches & Branchless outlets, retails, CSS, franchisee for onsite inspection to review compliance functions and fraud related issues if any. Ensure that Central Fraud Database is updated and case files are maintained to the appropriate standard. Conduct & assist in Fraud & Forgery investigation independently and / or in coordination with other business areas, where needed, to ensure that fraud cases are thoroughly investigated and reported. Execute detailed investigations for reported frauds incidences. Liaise with other departments/business units where appropriate. Prepare Fraud Status Report and related indicators for internal management and external users, where applicable. Reviewing internal reports regarding UBPS and funds transfer on daily basis to minimize the fraud risk and to ensure all transactions are being processed as per assigned limits and regulations. Reporting and Support to compliance function with investigative support when required. Recommend procedural improvement to existing policies & procedures in order to reduce the fraud risk and improve controls. Determine the size of fraud and prepare consolidated report, so that the remedial as well as preventive measure may be taken in future. Quarterly Reporting to SBP regarding fraudulent data. Perform other related duties as assigned. Show less

• • Jul 2013 - Feb 2014

  *Ensured security and compliance requirements are built in every delivery channel*Identified, assessed and monitored the compliance risk Communicated with branches on regular basis to ensure smooth credit operations. Instrumental in designing, developing, implementing & maintenance of credit risk management strategies, policies and procedures. Bank credit policies, prudential regulations of SBP and Micro Finance Act compliance. Reviewed loan applications prior to approval.Credit portfolio reviewed and credit decisions making. Monitored of credit operations. Pre/ Post-Disbursed Review of credit portfolio. Feedback on improvements in Credit Risk Guidelines and procedures. To review samples of disbursed loans for quality control. Credit operation monitoring; like NADRA and ECIB verification control Show less

• • Sep 2012 - Jul 2013

  *Controlled Compliance risk in Branchless Banking Lead to Monitor and control account opening team in order to ensure that account open according to SBP regulations with in the TAT. Ensure that account opening team should open an account after full compliance and Scrutiny of each Account opening form. Creation and Management of all Accounts opened for the Branchless Banking along with the reconciliation of Physical account opening form with the system generated Reports. Responsible for providing solutions to the customers for their Problems. Maintenance and Processing of customers’ Requests for change in customer static data. Investigate and resolve customer complaints and inquires as per defined standards highlighted. To process data entry and verification of customers confidential information in the customer data base with the focus of maintaining standards of customer services and bank confidentiality contact while interacting with customers. Process formulation based on the most efficient and effective solution to customers queries and issues. To maintain the cash transactions of Branchless banking agents through respective channels. Updates the agents regarding modification in Branchless Banking operation process. Creation and Management of all the Accounts opened for the Branchless Banking( L0,L1,L3) Along with the reconciliation of physical accounts opening form with the system generated reports. Coordinate end to end transactions for all products offered by the bank. Relationship with regions to resolve the issues of Franchises and Retailers regarding transactions or other queries Show less