Sabeen W.

ABOUT ME

MAY 2020, Technado.Co
Content Writer



JUNE 2018-APRIL 2020
RELATIONSHIP MANGER -SME TRADE
BANK ALFALAH (SHAHRAH E FAISAL AREA OFFICE)

Duties and Responsibilities
• Meet or exceed established Targets as assigned by management for import/export, remittances, volumes and new trade relationships
• Generate new trade relationships from own efforts (personal network existing customers, trade associations etc. as well as referrals from other departments and existing customers
• Remain up to date on Bank/SBP Regulations (FCY Manual, Prudential Regulations) regarding Imports/Exports, Remittances and Foreign Currencies.
• Ensure that all existing and new trade relationships are in compliance of bank SBP Regulations (FCY Manual, Prudential Regulations) regarding Imports/Exports, Remittances and Foreign currencies.
• Carry out full due diligence of prospective customers in order to ascertain their credit worthiness, repayment ability, market reputation, and business viability in order to provide necessary justification and proper recommendation on credit line proposals.
• Prepare credit line proposals in line with bank’s policy/requirements incorporating all relevant details of the customer and proposed facilities /limits.
• Proactively carryout review of active lending relationships to monitor account conduct, repayment frequency,
• Supervise and ensure rectification of all audit and compliance observations exceptions pertaining to the identified SME relationships with in stipulated timeline
• Ensure provision of all reports to head office units /SBP/External stakeholders regarding the trade relationships as per prescribed timelines.
• Ensure Completion of documentary formalities and regulatory approvals as required by bank/SBP before disbursement of facilities to customer
• Prepare reports MIS regarding conduct of existing relationships for review of the management and any external parties that is SBP/External Auditors.
• Carryout site visits /customer visits in order to maintain an active relationship with the customer and also to ensure compliance with terms and conditions of the sanction advice.
• Work with collaboratively with SME team in order to provide financial solutions resolving around imports /exports /non-funded facilities to SME customers.


January, 2016– 31.05.2018

TRADE AND CREDIT OFFICER

SUMMITBANK LTD

WORKED AS AN TRADE AND CREDIT OFFICER IN PAPER MARKET BRANCH

• Daily updating sheets of the documents of import and export
• Checking of outgoing messages on daily basis and to take necessary action
• Checking of incoming swift messages on daily basis and to take necessary action
• Preparation of (Sight/Usance) Lc drafts-MT 707 • Preparation of drafts of Lc Correction -MT 799 • Lodgment of documents.
• Retirement of documents on cash basis
• Retirement of documents under FIM and FATR
• Preparation of acceptance documents and releasing of original documents on acceptance basis
• Processing Collection/OADP Documents
• Import Advance payment
• Registration of Bank Contract
• Processing Local bill Discounting
• Marinating Quarterly Mark -up records and informing customers
• Maintaining stock reports of FIM documents
• Responsible for maintaining updated credit reports
• Certifying Electronic FORM –E through WEBOC
• Processing advance payment
• Maintain records for export transactions
• Processing settlement for DP export documents against payment initiatives
• Balancing of PRC
• Issuance of necessary certificates related to issuance of FORM –E
• Monthly export advance payment reporting to export department
• Monthly V-12 reporting to SBP
• Monthly V-16 reporting to SBP



RESPONSIBLITIES IN CREDIT WORK

• Monitoring of credit limit expiry of customers
• Preparation of Credit proposals
• Preparation of inter office memorandum for extension in expiry of limits EOL where necessary
• Preparation charge documents
• Submission of charge documents to CAD –Department
• Switching interchangeable limits
• Preparation of Compliance certificates
• Resolving the queries of Credit proposals






January, 2015 – December,2015
WORKED AS AN CUSTOMER SERVICE OFFICER .SUMMIT BANK LTD
• Open/monitor opening of accounts (local & foreign) in accordance with guidelines provided by SBP Prudential Regulations/BPD Circular #10 dated 29.03.2003. Bank’s OPM/APPM/CM.
• Ensure that TPF, KYC & AML guidelines are fulfilled before opening any account.
• Periodic review of KYC
• Handle standing instructions of the customer.
• Opening & maintenance of Term Deposits.
• Booking of accruals and payment of profits to Term Deposit Holders.
• Manage stop payment requests of customers and timely follow-up all outstanding items.
• Handle clean collections.
• Ensure all policies & procedures are in place while handling check books (issuance and stocks etc).
• Ensure timely dispatch of all customer statements on regular basis.
• Ensure that all dormant accounts are regularly reviewed and operation in these accounts is in line with the established procedures.
• Ensure that unclaimed deposits are handled in accordance with SBP guidelines.
• Issuing Balance confirmation Certificates and Audit Confirmation Certificates of the customers.
• Ensure that customer signatures are captured/amended in the data base on a daily basis in order to mitigate risks.
• Be fully conversant with the ‘Anti Money Laundering’ and ‘Know your Customer’ policy of the bank in order to track and report suspicious transactions to ‘Money Laundering Reporting Officer’ of the Branch.
• Maintain records for the department to furnish accurate MIS reports to HO and returns to SBP.
• Maintain proper record of Account Opening forms, Term Deposit Account Opening Forms and other relevant data enabling easy retrieval in future.
• Manage flow of work of the department to comply with Service Delivery Standards.
• Real time on the spot solutions to customer problems/complaints without compromising on Bank’s Internal
Controls.


JAN2014 – DEC 2014
WORKED AS AN UNIVERSAL TELLER
SUMMITBANK LTD


Working responsibilities include
• General banking.
• Cash handling,
• Resolving customer complains
• Maintaining relationships with customers,
• Being a face of bank I kept my self-updated according to the requirement of my workplace

SKILLS