Onkar Lal

Experience

• 

  Soneri Bank Limited

  Feb 2010 - Mar 2010

  Internee

  I worked in branch banking operations, learned about various banking procedures, and was also involved in following tasks:• Inward Clearing• Outward clearing• Local remittances• Issuance of demand drafts and pay orders

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  Universal Network System

  Apr 2010 - Jul 2010

  Internee

  I worked in the accounts department, and my core responsibilities included the following:• Reconciliation of company and bank accounts • Organizing various methods of collecting data• Data analysis and consolidation of internal reports• Maintenance of Payables and Receivables Ledgers• Preparation of in-house financial statements in view of IFRS

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  National Bank of Pakistan

  Nov 2011 - Jan 2012

  Internee

  During my internship, I was involved in the centralization of fixed assets at the bank. My core duties involved the following:• Responsible for properly checking credit and debit advice• Maintained immense data and its analysis • Prompt rectification of incorrect record data• Preparation and compilation of various asset and expense data for branches across the country

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  Bank Al Habib Limited

  Feb 2012 - Dec 2018

  Responsible for managing a credit portfolio of circa USD 48 million at credit hub in the area, which included clients from the manufacturing, trading, and Food and beverage sectors.My core responsibilities include the following:• Preparation of various credit proposals for onward presentation to respective credit committees.• Monitor the advances portfolio of 12 branches.• Assist branches right from the marketing client till the final facility disbursement & in resolving audit queries.• Marketing of potential clients• Assuring timely renewal of limits and insurances. • Submission of weekly and monthly portfolio positions to higher management• Preparation of various credit proposals for onward presentation to respective credit committees.• Ensure proper maintenance of client credit records.• Interaction with the internal stakeholders (Legal, Credit Administration, Treasury)• Arranging timely valuations of mortgage properties• Ensure all loan applications comply with the bank's credit policy and are in accordance with Central Bank guidelines.• Update & retrieve client credit history.• Fundamental financial analysis of the client's business.• Supervise loan disbursements to ensure compliance with sanctioned terms.• Respond to queries raised by Zonal and the Central Credit Division.• Create and support client retention strategies for the existing customer base and for new customers. • Conducting stock inspections on a monthly and quarterly basis• Review accounts (i.e., cash flows, repayments, account behavior, compliance with covenants stipulated in the terms of approval).• Monitoring and proactively highlighting risk in the portfolio of loans, the underlying security, or the client.• Strong focus on building a credit portfolio.• Reviewing in-house MIS reports on a monthly basis.• Strengthen working relationships with clients. Show less Managed Credit portfolio of USD 10 Mn consisting Retail & Commercial clients having Trade volume of over USD 30Mn. My core responsibilities included following: • Looking after Credit Department branch level activities • Processing Auto Lease and Consumer auto finance cases• Liaison with various banks’ internal departments Liaison with corporate customers & various internal department (Treasury, International, Central Trade)• Preparation of various credit portfolio and branch month end reports • Initial Assessment of Financing requests• Issuance of various Bank Guarantees • Processing Short/Long Term Loan requests• Quick turnaround time with customers and good follow upAlso, I was actively involved in international trade activities at the branch level, managing import business of USD 40 million and export business of over USD 20 million. My job responsibilities included the following activities:• Issuance of a Letter of Credit, Shipping Guarantees, Making Payments of Contracts, Import Advance Payments, on a Collection Basis• Payment of inward foreign documentary bills for collection (IFDBC)• Monitoring and submission of export and import documents as per regulations• Maintenance of records and direct reporting to the chief manager • Liaison with commercial and corporate clients as well as internal departments (treasury, international, and central trade unit)• Reporting of returns to the Return and Reconciliation Department, Central Bank• Certification of Export Forms• Checking and compilation of export documents Show less

  • Manager - Credit Hub

    Dec 2015 - Dec 2018

  • Relationship Associate- Credit & Trade Officer

    Mar 2013 - Dec 2015

  • Management Trainee

    Sept 2012 - Mar 2013

  • Retail Banking Officer

    Feb 2012 - Sept 2012
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  Commercial Bank

  Dec 2018 - now

  Handling a credit portfolio of large corporate clients worth USD 360Mn from the hospitality, contracting, food and beverage, trading, and technology sectors.My primary duties include the following:• Building strong banking relationships with existing and new clients.• Evaluating and approving credit applications based on the bank's policies and risk assessment criteria.• Reviewing financial statements, credit reports, and other relevant information to determine creditworthiness & financial spreading• Setting credit limits and terms for new and existing customers.• Cultivating and maintaining strong client relationships, understanding their needs, and providing tailored solutions.• Acting as the primary point of contact for clients, addressing inquiries, resolving issues, and ensuring satisfaction.• Collaborating with internal teams to coordinate efforts and deliver comprehensive solutions to clients.• Monitoring the portfolio on a regular basis.• Assisting Large Corporate Senior RMs in the unit. Show less

  • Corporate Relationship Manager

    Aug 2024 - now

  • Corporate Assistant Relationship Manager

    Dec 2018 - Aug 2024