Administrative and functional head of the branch, reporting directly to the Area
Head .
Ensuring that the branch is run according to the policy guidelines laid down by
the Area Office, Head Office, SBP and other regulatory agencies.
Submitting all the required reports, returns and statements to concerned
AO/HO departments, SBP and other external agencies according to the
prescribed time schedule.
Ensuring that prompt banking services of the highest standards are provided to
all customers efficiently and that close business contacts with customers
maintained in order to facilitate business development.
Effectively and efficiently marketing the banking services and products offered
by the Bank in order to increase the extent of services and business and to
ensure that the defined business targets are met.
Managing & leading the branch effectively to achieve deposit mobilization &
consumer financing, SME targets.
Handling a diversified portfolio comprising fund based and non-fund based
products at Vehari and Burewala .
Review of Credit proposals before forwarding to higher authorities.
Marketing / Booking of Fresh Business Finance including funded & non funded
facilities.
Furnishing proposals for sanctioning of facilities etc.
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Monitoring health of Credit Portfolio.
Ensuring timely adjustments of principal as well as markup.
Financial Solutions & Remedial measure for infected portfolio.
Making in depth financial analysis and identifying the changing trends of
business with respect to economic conditions.
Liaison with lawyers for different issues like perfection of securities etc.
Monitoring the utilization of funds through sight inspections.
To look after credit requirements of the branch including renewal, enhancements,
evaluations, assessment and disbursement etc.
Obtaining DAC from RCAD.
Ensuring that cash supervision at the Branch is carried out, in accordance with
Bank’s policy and regulatory requirements, in a safe and secure manner and that
the vaults are adequately insured/protected against theft, robbery and damage.
Ensuring that the records of the Branch, the customers’ security documents are
properly maintained, documented and kept in safe custody.
Recovering all required regulatory/fiscal dues from customers promptly and
paying over to the agencies concerned on time.
The administration and discipline of the Branch and the personnel working
therein and making recommendations for the promotion, increments, dismissal,
transfers of the said personnel.
The security, upkeep and proper use of the fixed assets of the Bank in use at the
Branch.
The preparation of the annual Branch Budget, based on Annual/future Business
Plans, taking into account the possible requirements in terms of personnel,
capital expenditures and revenue expenses, every year.
Carrying out the ongoing responsibilities of training, grooming, coaching,
counseling and mentoring of all his staff members and arranging formal in-house
and out-sourced training,
Establishing adequate procedures for maintaining records and submission of
requirement of all types of printed Bank stationery for use at the Branch and to
keep proper stock of the unused stationery and forms.
Maintaining liaison with and facilitating the work of and providing all necessary
information, explanations, documents and records to the State Bank of Pakistan,
internal and external auditors.
Ensuring compliance with guidelines, instructions or measures relating to KYC
and Anti-money Laundering at the branch under his control.
Worked against officiating Charge of Area Head C -8 (Sahiwal) as Back Up
arrangement during leave of Area Head from time to time As Officiating Area Head.

Handling a diversified portfolio comprising fund based and non-fund based
products.
Review of credit proposals before forwarding to Risk office through proper
channel.
Marketing / Booking of Fresh Business Finance including funded & non funded
facilities.
Furnishing proposals for sanctioning of facilities etc.
Monitoring health of Credit Portfolio.
Ensuring timely adjustments of principal as well as markup.
Financial Solutions & Remedial measure for infected portfolio.
Making in depth financial analysis and identifying the changing trends of business
with respect to economic conditions.
Liaison with lawyers for different issues like perfection of securities etc.
Monitoring the utilization of funds through sight inspections.
To look after credit requirements of the branch including renewal, enhancements,
evaluations, assessment and disbursement etc.
Obtaining DAC from RCAD.

Handling F.C Accounts and SBP Monthly Returns.
Establishment & retirement of ULC/SLC/ILC & Registration of Contracts etc.
Established very 1st ULC (import) / ILC / SLC / Contract at very 1st bank in
Vehari in 2005 & did the trade business (import of approx.250 M annually).
Handling all type of import payments including ULCs / SLCs / IDCs / Contracts
etc.
Handling issuance of LGs & LBD transactions.
Trained the branch staff of various departments i.e. Accounts, operations & credit
administration also supported Manager Operations of Branch in his duties

To look after the portfolio of Rs. 450 M comprising funded and non-funded
facilities.
Forwarding of credit proposals relating to general advances, fund based and nonfund based Commercial &SME Clients.
Completion of all pre-post sanction/disbursement formalities.
To look after credit requirements of the branches including renewal,
enhancements, evaluations, assessment and disbursement etc.
Preparation of all periodic statements and reports for Area Office, Regional
Office and Head Office relating to advances.
To coordinate with audit team for review of credit files, audit
rectifications/compliance and reporting thereof.
Timely recovery of mark-ups and principals to ensure quality of portfolio.
To market prospective clients of the area for growth of portfolio in line with
bank’s policy.
Back up of Branch Manager.
Substitute Custodian of Part – A & Attorney Holder (B).
Supervision of agricultural finance department.
Security Documentation
Recovery of Mark up
Completion of Legal &Equitable Mortgage formalities
Monitoring of stocks (Hypo/Pledge).
Audit & Compliance
Joint Custodian of all charge / security documents of all loans and advances.

Preparation of all type of credit proposals.
Periodically reporting to higher offices / H.O.
Mark up recovery
Preparation of legal / charge documents after approval of credit facility.
Compliance of annual / surprise inspection of the branch and preparation of
compliance report to submit the H.O.
Preparation of legal / charge documents after approval of credit facilities.
Compliance, Credit and portfolio Management.
Submission of monthly, quarterly, half yearly and yearly reports to H.O. as well as
to SBP.
Compliance of regular as well as surprise audit reports.
Classification, provisioning of non-performing loans as per prudential regulations.
Has experience of all branch functions i.e. account opening, remittances,
clearing/ collection, submission of periodic reports and branch correspondence
with higher offices.