MUHAMMAD ADNAN

· Collaborated closely with senior management on strategic planning efforts, aligning departmental goals with overarching company objectives.

· Remedied issues and conflicts among workers using negotiation and active listening.

· Successfully managed multiple high-priority tasks simultaneously while maintaining strict deadlines ensuring optimal resource allocation.

· Established strong relationships with key stakeholders, fostering collaboration and mutual support.

· Ensuring timely rectification/ closure on-site/ off-site audit/ monitoring reports (Internal/ External/ Regulatory/ Special etc.) of branches/ regional office

· Conduct pre-audit activity in branches for Internal/External Audit

· Follow up with branches for recovery of identified Leakage of Income in branches and overdue Locker's Rent

· Initiate the periodic lockers break-opening exercise

· Reviewing Carry over / Condonation Cases and initiate approval process

· Maintaining the record regarding all legal cases of the region and their tracking

· Ensure submission of documents/information required by the Court/LEAs/ BMP under guidance/approval of LAD/Line Control on specific hearing dates

· Coordinate for all Legal Cases for Counsel/ Staff/ Witnesses' attendance in Court as and when required.

· Coordinate with branches for timely resolution of customer complaints (CMD, BMP, SBP, LEAs etc.)

· Coordinate with REIG for Properties' Lease/Purchase for existing / new branches

· Assist & supervise branch Staff related matters (Transfer/Posting, Relieving, DAC, TA/DA etc.)

· Process Deceased cases.

· Monitor and coordinate branch for old record archiving/retrieving management

· Coordinate and follow up with branches for reporting of ITRS and SBP returns as per prescribed timelines

· Arrangement of legal guidance for the branches where required from LAD/Legal Counsels.

· Assisting RHBS in pre-visit branch analysis

· Monitoring and follow up the branches for implementation of Critical Operational Controls including the implementation of various instructions/circulars and procedural controls

· Monitoring branch KPIs and ensure implementation of service standards and health checks in branches

· Reviewing & Authorize transactions referred by branches including MICR authentication/FT Generic

· Follow-up for regularization of pending/ under review Branch Customers' Accounts

· Effectively management of Branches Cash in line with CIPL & managing CIT Desk

· Effective management of balances with NBP/ SBP

· Monitoring GL Heads of branches (Routing, Sundry, Suspense, Clearing Heads etc.) in coordination to BMU for resolution of issues

· Monitoring Balancing of Security Stationery Items at Branches

· Handling of all Security Related Issues (Deployment of Guards through Security Department, CCTV, Alarm Functions etc.)

· Coordinate with branches for KYC Review, update and rectifications including Top 100

· Follow up with branches for timely response/ resolution of AML Alerts.

· Coordinate with branches/Region for conducting BCP activities

· Coordinate with branches during Unclaimed deposits exercise (reporting/ follow up/ refund)

· Coordinating Hajj Activity & Refund of wrongly deducted Zakat.

· Monitoring OPEX/CAPEX budgetary limits and arranging Excess over Budget wherever required

· Involved in resolution of maintenance related issues referred by branches through ILS within timelines & mobilizing RMTs

· Monitoring ATM (on-site/ off-site) of the region to maintain maximum uptime

· Streamlined accounts and bookkeeping processes, ensuring accurate financial records and optimizing financial operations. Analyzed financial data to identify trends, uncover insights, and drive data-informed decision-making.

· Implemented robust cash flow management strategies, optimizing liquidity and mitigating financial risks. Conducted comprehensive cost analysis to identify cost-saving opportunities and improve overall financial efficiency. Orchestrated financial planning and analysis efforts, aligning financial goals with strategic objectives and driving exceptional

· Basics of Banking, Account Operations, Account Opening and related issues & Laws Related to Banking

· Credits Basics, Credit Risk Strategy and Approvals

· Business Continuity and Information Security Policies

· FE Regulations – Exports

· ICC Rules – UCP 600/ISBP/URR 725/URC 522

· SBP Reporting

· Processing of Trade Transactions at Trade Factory

· Imports, Imports Finance & FE Regulation-Imports

· Design Thinking, Strategic Thinking Skills & Regeneration and Transformation

· Anti-money Laundering

· Fair Treatment to Customer (FTC)

· Fundamentals of Islamic Banking, Regulatory and Control Framework in Islamic Banking, Islamic Banking Products, Trade in Islamic Banking & Islamic Contract & Trade

· Pool Management, Profit Distribution and handling queries about Islamic Banking

· Credit Administration, Foreign Trade - Basics & Export Finance

· Prudential Regulations(SME)