Fouzia Abbas
Commercial Banker
Karachi,Sindh
Summary
Innovative Relationship Manager focused on developing strategic business opportunities by delivering exemplary service to each client's individual needs. Respected professional with exceptional knowledge regarding risk management. Driven Relationship Manager focused on deepening client relationships by providing superior service and support. Outgoing and ambitious professional with 18 years' experience in Banking .
Overview
18
18
years of professional experience
Work History
Relationship Manager, Business Loan Group
The Bank of Khyber
Karachi
04.2022 - Current
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Manage consumer & SME Portfolio of Sindh Region
- Mange & supervise the complete operations process from loan origination to pre & post approval documentation till issuance of Document Completion Certificate from CAD.
- To direct & monitor disbursement process
- Assuring to meet the TATs & service quality maintenance at all levels.
- Keep updated about bank's internal policies, procedures, SBP guidelines, Prudential Regulations and monitoring compliance
- Monitors Credit / Loan amounts, checking / applying accurate markup rates and ensuring timely recovery of mark up to avoid bed debts
- Conduct customer visits including Inspection of Pledged / Hypo Stocks, visits to mortgaged properties and reporting any negative trends / issues in collateral
- Compliance of Risk mitigates at all levels to keep portfolio healthy
- Timely response to CAD exceptions to minimize them
- Support internal /external audit team by providing all relevant data timely & submit compliance report
- Maintenance of MIS & submission of periodic reports to Head office & SBP
- Coordinate with all internal relevant departments for early resolution of day to day matters
- To perform other task assign by the line managers
- Manage advances pipeline of prospective customers to meet targets
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
Credit Manager
Soneri Bank Limited
Karachi
12.2016 - 03.2022
- Supervise timely preparation & submission of Credit Proposals of fresh & exiting customers
- Keep updated about bank's internal policies, procedures, SBP guidelines, Prudential
- Regulations and monitoring compliance
- Monitors Credit / Loan amounts, checking / applying accurate markup rates and ensuring timely recovery of mark up to avoid bed debts
- Coordinates pre-disbursement formalities and ensuring post disbursement monitoring / reviews in line with bank' policies & timely issuance of DACs
- Inspection of Pledged / Hypo Stocks, visits to mortgaged properties and reporting any negative trends / issues in collateral
- Submission of periodic reports to Head Office and Central Bank
- Ensuring safe custody of security documents
- Minimizing audit & CAD objections/observations
- Reducing existing NPL portfolio, monitoring watch list accounts & maintaining overall healthy advances portfolio.
- Skilled at working independently and collaboratively in a team environment..
- Self-motivated, with a strong sense of personal responsibility.
- Proven ability to learn quickly and adapt to new situations.
- Demonstrated respect, friendliness and willingness to help wherever needed.
Branch Operations Manager
Soneri Bank Limited
07.2009 - 11.2016
- Supervise and provide professional guidance to the Cash, Account opening
- Remittance/clearing departments on day to day branch operations
- Manage branch administration matters
- Reduce redundancies in process, improve turnaround time and provide quality service to customers
- Promptly attend to customer’s complaints and take remedial action
- Ensure strict compliance of laid down procedures e.g OPM, APPM, CM and ADM, AML &
- KYC policy &strict adherence to SBP prudential regulations relating to branch operational activities
- Minimizing audit objections.
- Boosted sales and customer loyalty through incentive programs.
- Set up and supervised cash shipments.
- Trained employees on proper procedures and strategies to improve productivity.
- Performed monthly compliance checks.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
General Banking Officer
Soneri Bank Limited
02.2006 - 06.2009
- Account opening / closing, dormant activation
- Inward/outward clearing, inward/outward remittance
- Cheque book handling & custody
- Maintained friendly and professional customer interactions.
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Investigated and resolved customer inquiries and complaints quickly.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
Education
Master of Commerce (M.Com) - Finance
University of Karachi
KarachiBachelor of Commerce (B.Com) - Commerce
St. Patrick’s College
KarachiIntermediate in Science - Pre Engineering
Govt College For Women , Malir
KarachiMatriculation- Science - Scinece
Govt Girls Secondary School Malir
KarachiSkills
- Banking
- Bank Reconciliation
- Accounting
- Written and verbal communication
- Asset Management
- Financial Transactions Expertise
- Financial Analysis Aptitude
- Retail Mortgages
- Loan Application Management
- Credit Application Review
- Financial Accounting
- Customer Relationship
Certification
- Cost & Management Accountancy Certificate,
ICMAP Karachi (Jan 2003- June 2003)
- Comprehensive Course on Commercial Banking,
Institute of Bankers Pakistan (IBP) (Feb 2006 – July 2006)
- Executive Certified Course on Islamic Banking,
Sheikh Zayad University, Karachi (March 2014- June 2014)
Additional Information
Mobile No: +923323401289
WhatsApp: +923323401289
Email : fouziaabbas1981@gmail.com
Timeline
Relationship Manager, Business Loan Group
The Bank of Khyber
04.2022 - Current
Credit Manager
Soneri Bank Limited
12.2016 - 03.2022
Branch Operations Manager
Soneri Bank Limited
07.2009 - 11.2016
General Banking Officer
Soneri Bank Limited
02.2006 - 06.2009
Master of Commerce (M.Com) - Finance
University of Karachi
Bachelor of Commerce (B.Com) - Commerce
St. Patrick’s College
Intermediate in Science - Pre Engineering
Govt College For Women , Malir
Matriculation- Science - Scinece
Govt Girls Secondary School Malir
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