Zaheer Awan

Banking professional with extensive experience in branch operations, cash management, account opening, banking documentation, audit-related work and branch management at the Bank of Azad Jammu & Kashmir. Experienced in customer service, operational controls, deposits and advances, business development, compliance, and day-to-day branch administration.

Branch Manager - Bank of Azad Jammu & Kashmir (BAJK)

(2024-08)

• Manage day-to-day branch operations, customer service and staff coordination.
• Monitor branch performance, deposits, advances, recoveries and non-performing loans (NPLs).
• Develop customer relationships and pursue business opportunities with individuals, salaried persons, pensioners and local businesses.
• Support financing applications and ensure required documentation and procedures are followed.
• Coordinate with regional and head-office teams on operational, administrative and credit-related matters.

Audit Department - Bank of Azad Jammu & Kashmir (BAJK)

(2023-08 - 2024-08)

• Worked in the Bank’s Audit Department, supporting audit-related review and control activities.
• Reviewed banking records and documentation in line with assigned audit responsibilities.
• Followed up on observations and supported compliance with internal procedures.

Operations Officer - Bank of Azad Jammu & Kashmir, District Complex Branch - District Complex Branch

(2015-01 - 2023-08)

• Handled account opening for individual, joint, business, CBO and government accounts.
• Processed clearing and issuance of call deposits, pay orders and demand drafts.
• Prepared income and expenditure statements and periodic closing statements.
• Balanced pay orders, call deposits, demand drafts and banker’s cheques.
• Processed profit payments on BMTDR/TDR and managed cheque-book issuance.
• Handled head-office correspondence and routine operational documentation.

Cash Officer - Bank of Azad Jammu & Kashmir

(2009-06 - 2015-01)

• Handled cash receipts and payments, voucher posting and cash balancing.
• Prepared cash balance books and carried out cash sorting and bundling.
• Supported accurate and timely cash-counter operations.

BBA - Finance - University of Azad Jammu & Kashmir, Muzaffarabad