mian ziauddin

JANUARY 2012 – September 2018     The Bank of Khyber      (IBB Nowshera  Cantt:)

1. Started career as Consumer Credit Assistant on Contract since January 2012:-
2. Singly handle Consumer Finance under supervision of In-charge CFD at Head Office to analyze/ process proposals regarding Consumer Finance (House, Auto, Consumer Durable Finance, and government initiate scheme for loan etc.

• Revised/ update Consumer Finance Policy in accordance with SBP policy.
• Prepare Quarterly, Monthly, NPLs statements of Consumer Finance for the overview of the Board of Directors, Top Management of the Bank for monitoring & overview.
• Monitor all Consumer portfolios, Non-Performing Loans, etc. 

September, 2019- December 2020               The Bank of Khyber       (Saddar road  Branch)      

1. Credit analyst (contract)
2. Submission/preparation of new/renewal Credit Proposal to HO for approval.
3. Submission/preparation of Loan Proposal of House, Auto, Salary Loans, etc) to HO for approval.
4. Monthly / Quarterly Returns to HO for onward submission to SBP. 
5.  

September, 2020  to till date             The Bank of Khyber       (Saddar road  Branch)

1. Credit analyst (contract)

Receiving of loan applications of KAMYAB JAWAN ROZGAR Scheme.

Physical verification of application.

Business analysis/Business assessment of KAMYAB JAWAN ROZGAR loan applications.

E-CIB reports /Data check /Verity’s Report attachment with application file.

DBR calculation and other income documents calculation.

Conduct internal authentication and maintain daily MIS of logins and rejected applications.

Assessments of customer financial documents and send for further verification/ authentication if needed.

Account opening, loan account and disbursement. 

Reprocessing rejected and discrepant cases resolved by Department.

Recovery of micro consumer loans.