Sr.Repayment Processing officer - MCB Bank Limited
(2016-01)
As an Auto Loan Operation
- To manage /enter and verify the data in the CAMS (Consumer Asset Management Software) predefined software of MCB for Auto Loan, Business Sarmaya (BS), Payara gher (PG) and all the relevant mortgages files
- Daily report sending of soft copy to head office through email
- Coordinating with CIU, Sales, CCR, & FRMU Department without compromising on the efficiency and effectiveness of whole process
- Handling the disbursal activities is a very systematic manner through assigning loan number and Client number
- Dispatching the Instrument Banker Cheque (BC) to EAMU Department to deliver it to concerned dealership
- Handling archival activities which include dispatching all credit files, opening of ISI (Integrated special instruction) account, to the archival unit after disbursement
- Preparing Incident report form of any unusual event/entry that occurs at the time of data entry, disbursement or account opening
- Cooperating with IT Operations for the early resolution of incident and preparing UAT (User Acceptance Testing) document after testing it on the system
Sr.Repayment Processing officer - MCB Bank Limited
(2016-01)
As Credit Card / Merchant Operation
- Processing of Visa Card payment through cheques, POs & DDs
- Entering the payments posting of visa cards to CCPS (Credit Card Payment System) and launching the same to clearing
- Coordinating with the Branch for any return visa card payments at the end of the day and preparing / balancing a Reconciliation sheet for credit card accounts (cheque & cash)
- To keep full track of unidentified/unclaimed cheques till processing
- To process the discrepant cheques on system and onwards submission to collection Dept
- Update invalid and discrepant Cheque on CCPS/CTL
- Handling CMS (Complaint Management System) and timely respond to all queries and complaint in effective manner
- Preparation of MIS of other items (include cut card, application for change of address etc ) on daily basis with forwarding to the concerned Department
- Manual posting of visa card to CTL (operating system) by means of credit Advice
- Manual posting of ROC (Record of Charge) for skipped / short payment transactions, after checking through CTL
- Filling all the records into proper files
- Printing of credit card cheques to stationary
- Preparing consolidated MIS for opening & closing balance of merchant cheques inventory
Sr.Repayment Processing officer - MCB Bank Limited
(2016-01)
As Personal Loan Operation
- After approval loan to take print the Sanction/ Offer Letter and Pre-disbursement Schedule and hand over the Sanction/ Offer Letter, Pre-disbursement Schedule and KFS to Sales Processor/Sale Manager for further process
- Upon receipt of physical file and post approval legal documentation, review the Stage-II documents. Upon satisfactions, & preparation of stage-II checklist. In case of any discrepancy, highlight to business team for resolution
- After satisfactory review, generation of Client No. in CBS 8.5
- To perform the draw down entries in system (CBS 8.5) and disbursed the loan amount in system
- In case of NTB, to prepare the Internal Memo and submit the same to designated branch for generation of Payment instrument in favor customer by debiting his CCA account
- Post disbursement schedule and Disbursal Letters to be dispatched to customer and place in credit file
- Archival of files after completion of month disbursement
As Operation Officer - Bank Alfalah Ltd
(2006-05 - 2015-03)
Worked in Consumer Finance Centre of Bank Alfalah Ltd for 9 years. The Areas of My Responsibilities are:
- Processing of credit card clearing cheques/ postdated / discrepant / obc cheques, Memo updating on system of discrepant cheques and forward to collection department
- Processing of Auto & Home finance cheques
- Make sure to forward the outward clearing on time
- Coordinate with branches for the collection of IBCA of Auto / Home & credit card
- Coordinate with CPU for the collection of returns on daily basis
- Mark & update the memo of returns on system and forward to collection department
- Print the merchant cheques on daily basis
- Processing the merchant debit & credit slips & IBCA adjustment
- Issue the pay orders of Auto & Home finance
- Disbursement and issue the pay order of Personal loan
- Follow-up of Unidentified cheques in this concern updating on excel sheet and follow up from banks letter writing and calling to banks for finding cm Information, after locating cm updating memo on System
- All received cheques payable to different banks and other Station, send all these cheques to concern banks and Stations after memo updating and on excel sheets. Filling of all concern documents
- Downloading of FTP files, Working on pending memos and payment, solve queries on daily basis
- Maintain MIS on daily basis
- Coordinate with Branches regarding manual payment & payment queries
- Coordinate with NIFT regarding clearing issues
Sales Promotion Officer - Atco Lab
(2005-07 - 2006-04)
Territory Manager - Remington Pharmaceutical
(2004-07 - 2005-07)
Marketing Coordinator - Khalid Agencies (Importer and Distributers of Homoeopathic Medicines)
(2001-02 - 2003-05)
Field Officer - Khalid Agencies (Importer and Distributers of Homoeopathic Medicines)
(2003-06 - 2004-07)
