Jobs in FWBL – First Women Bank Limited Pakistan

ACCA/ ICMA/ ACMA/ Graduate preferably B.Com / Postgraduate preferably MBA /M.Com or equivalent degree from an HEC recognized University with 1-2 years of experience in Branch banking preferably in credit portfolio handling.

Main Duties & Responsibilities:

• Handling & Preparation of customer Credit proposals
• Analysis of financial statements, projections & interpretation of various financial ratios.
• Analysis of Credits related to Syndicate, Corporate & SME financing.
• Conversant with Central bank rules and regulations pertaining to Credit Risk functions specially PR’s.
• Well conversant with security / charge documentation and related legal aspects for various types of advances.
• Familiar with Credit Risk issues.
• Expert in Ms Office specially Ms Excel spreadsheet for various types of analytical reporting.

Ideal candidate should be meet one of the below requirements:

(a). Member of a recognized institute of Professional Accountants or Corporate / Chartered Secretaries – ICAP / ICMAP / ICSP or equivalent with above 10 years post qualification experience with Bank or DFI, of which at least 5 years of relevant experience.

(b). Masters degree in business administration or commerce or a law Graduate from a University recognized by HEC, with above 15 years post Graduation experience with Bank or DFI, of which at least 10 years experience of handling corporate affairs of a listed company, bank or corporation.

Main Duties & Responsibilities

●     Must ensure that Board procedures are followed, and that all applicable laws, rules & regulations and other relevant statements of best practices are complied with including compliances with Companies Ordinance, Code of Corporate Governance, relevant SBP Guidelines and Code of Corporate Governance.

●     Facilitate smooth operation of Bank’s corporate affairs, ensuring compliance with corporate laws and regulations.

●     Act as single point of contact with the Board and management to coordinate and organize meetings of the Board of Directors and Stakeholders.

●     Review and independently validate minutes of the Board Committees.

●     Record proceeding of all meetings and maintain proper record of minutes along with related supporting documents and follow up for implementation of decisions or pending items.

●     Continually review development in Corporate Governance, Secretarial law & practices and SBP Regulations, to facilitate and assist the Directors and the Management, with respect to execution of their duties and responsibilities.

●     Filing of SECP & relevant returns on timely basis, ensure proper certification of extracts or statements as required by the law.

●     Maintain proper set of record as required by the law & the bank policies.

3. Branch Operations Supervisor – Karachi

Graduate preferably B.Com/ Postgraduate degree preferably M.Com / MBA in Marketing, Finance or Economics or equivalent from an HEC recognized university with minimum 3-5 years of experience of Branch Banking Operations with reputable Bank(s).

Main Duties & Responsibilities:

• To assist Branch operation manager and manage all Branch Operational affairs in line with the prevailing outlined Policies and Procedures as well as regulatory requirement including but not limited to KYC/AML to ensure efficient and effective product processing whilst ensuring superior customer services in terms of products processing and relevant centralized / ADC functions.
• To ensure smooth account openings and service delivery at all times with minimum processing errors.
• To perform, monitor and authorize all daily financial and non-financial transactions of Branch after complete satisfaction and verification of the genuineness of each and every transaction and arrange accurate and complete periodic reporting to all quarters.
• To ensure Branch and cash vaults are opened and closed on time by following all required controls also ensure dual control procedures in Branch at all times. Any delays must be immediately reported in writing to the line management by giving logical justification.
• Review and balancing of vaults, tokens, taxes, payable, Receivable, Fixed deposits, Call Deposits, Demand Draft pay slips, pay orders and other GLs at branch and confirm that balance available in these accounts has justified reason supported by genuine transaction and does not exceed the timeliness defined by the regulator for suspense accounts.
• Review all sundry / suspense, parking and clearing GL heads and inform branch operation manager in case of any discrepancy.
• Ensuring seamless processing of Inward and Outward Clearing and inter branch transactions at the Branch, also providing assistance to other team members with customer transactions during peak days.
• Balancing of ATM related GL head and immediately informs the line management for further guidance in case of any overage or shortage.
• Manage customer queries/complaints regarding operations for resolution in an effective as well as efficient manner, depending upon the nature of complaint.
• To manage and make provisions for all budgetary requirements including but not limited to incomes and expenses, accruals in timely and accurate manner to ensure all branch General Ledger Heads for Assets, Liabilities, Income & expenses are balanced and in order at all times to avoid any penalties.
• Ensuring Branch gets minimum audit rating as “B” all times. Timely rectification of all highlighted audit observations and plans thereof to avoid repetition of the same.

4. Universal Teller – Karachi, Sukkur, Sialkot, Islamabad, Rawalpindi, Mardan & Gilgit

Graduate preferably B.Com / Postgraduate degree preferably M.Com / MBA in Marketing, Finance or Economics or equivalent from an HEC recognized university.  Fresh candidates should apply, preference will be given to those having a minimum of 2-3 years of experience in cash handling with any Commercial Bank/ DFI.

Main Duties & Responsibilities:

• Receive cash from Branch Operations Supervisor / Branch Operations Manager, record denominations for cashier / sorting functions, request for additional cash as and when required till close of business hours.
• Receiving cheque from customer, ensuring it is a valid instrument by analyzing security and other specified features, enter details of cheque into system and debit customer account, forward cheque beyond assigned limit to Branch Operations Supervisor / Branch Operations Manager for authorization and disburse (PKR & FCY) cash only after posting of cheque into system.
• Receive cash from the depositor, count & sort cash as per SBP directives and match with the details of deposit slip, enter details into system, credit customer’s account and forward deposit slip beyond assigned limit to Branch Operations Supervisor / Branch Operations Manager for authorization and return the carbon copy of deposit slip to the depositor.
• Receive, check & process Funds Transfer & ATM related transactions & their balancing.
• Handle customer’s request like change of currency notes etc., respond according to the prevailing procedures and guide customer to contact the concerned staff in case of any irrelevant query. Maintain high standard of customer services at all times.
• Conduct and Manage;
  • Balancing and sorting of cash at the end of each working day and preparation of Cash Book.
  • Balancing of cash vouchers and posting of all cash related transactions into system.
  • Checking of cash before day-end with system generated reports and maintenance of related records.
  • Balancing / reconciliation of sorted, unsorted, re-issuable, defective and new currency notes prior to placing the same in cash vault before end of each working day.
• Ensure availability and disbursement of fresh cash over the counters as per SBP directives.
• Ensure that all periodic MIS are prepared accurately and submitted to the related department / regulator within agreed timelines.
• Receive / Scrutinize and post Inward / Outward Local, Same Day & Intercity Clearing and responsible for processing of Local, Same Day & Intercity Clearing for NIFT, including returned instruments.
• Responsible for recovering service charges as per prevailing Schedule of Charges against the instruments returned in Clearing and Collection.
• Ensure that all related GL Accounts are periodically reconciled and balanced with actual records.
• Receive applications from customers for Payment Order, Demand Draft, and FCY Telegraphic Transfer. Thorough checking of application for correctness and completeness according to the Bank’s prescribed policies and procedures. Prepare required remittance instrument PO / DD / TT advice and forward the same to the Branch Operations Supervisor / Branch Operations Manager for review and approval.
• Responsible for sufficient replenishment of ATM on as and when required basis and also ensure that ATM is functioning uninterruptedly during long weekends and other holidays.
• Receive requests for cancellation of Payment Order / Demand Draft along with original instrument, check security features and books of accounts to ensure genuineness of instrument and obtain approval from Branch Operations Supervisor / Branch Operations Manager for encasement according to the outlined procedures and regulatory requirement.

5. Trade Officer – Karachi

Graduate preferably B.Com / Postgraduate preferably MBA /M.Com or equivalent degree from an HEC recognized University. Minimum 5 years of experience in handling international trade transactions, in Commercial bank. Acquainted with updated banking & prudential regulations, banking practices and procedures

Main Duties & Responsibilities:

• Timely processing and issuance of LC, Import Contract and amendments through Trade system.
• Timely processing of Lodgment, acceptance and payment of Import Bills under LC & Collection through Trade system.
• Issuance and redemption of Shipping Guarantee / Airway Bill release processing the same day on Trade System.
• Processing of Advance payment for Import on Trade system.
• Follow-up of outstanding / unaccepted bills, Shipping Guarantee / Airway Bill release and Import documents not received against the Advance payments.
• Timely processing for Export Bills lodgment, negotiation, discounting and payment. Export Advance Payment, and Documents received against Export Advance Payments, etc.
• Certification of Form E in WEBOC
• Ensure timely and proper follow up with customers in respect of certified Form E against which export documents along with Form E has not been submitted by the Exporter.
• Responsible for clearing Nostro open items, and follow up with foreign correspondent banks the recovery / settlement of o/s un-reconciled Nostro items pertaining to Import and Export.
• Ensure recovery of all commission, fees and charges on timely basis as per customer BCA / schedule of charges and recovery of FCY / Local correspondent Bank charges, etc.
• Ensure timely / proper follow up with the foreign correspondent / CSG/ RM for acceptance and payment of bills.
• Monthly reconciliation and balancing of all outstanding import & export transactions.
• Physical reconciliation of all outstanding import and Export Bills to be conducted on half yearly basis.
• Ensure submission of all internal and External returns as per respective deadlines.
• Processing , monitoring and reporting of ERF cases

6. Trade Officer- Sialkot & Faisalabad

Graduate preferably B.Com / Postgraduate preferably MBA /M.Com or equivalent degree from an HEC recognized University. Minimum 2-3 years of experience in handling international trade transactions, in Commercial bank. Acquainted with updated banking & prudential regulations, banking practices and procedures

Main Duties & Responsibilities:

• Handling Inward / Outward remittances,
• Handling Import, Export & Export Refinance.
• Knowledge of Reporting of SBP’s ITRS system.
• Coordinating with regulatory / local authorities, reporting & reconciling on daily, monthly & quarterly basis.
• Handling and record keeping of FCY Remittances transactions.
• Positive Internal Audit rating with low incidents of audit objections.
• Full compliance of SBP and other regulators.

7. Audit Officer – North

Postgraduate preferably in Commerce or MBA/ ACCA/ CIMA/ CA finalist or articles completed. Minimum 3 years of banking audit experience or audit firms experience in banking sector. The ideal candidate should be well conversant with the SBP’s Prudential Regulations, prevalent banking & audit practices.

Main Duties & Responsibilities:

• Conducting Audits of branches of the respective region on sample basis.
• Preparation of Audit Reports independently & getting the drafts reviewed by Manager/Head of Audit along with their working papers.
• Preparation of Executive Summaries for the review of management at a glance.
• Assisting the Regional Audit Chief/Manager/Head of Audit in all matters relating the internal audits whenever required.
• Assisting the Regional Audit Chief/ Manager/Head of Audit for the preparation of the annual internal audit plan and budget.
• Assisting the Regional Audit Chief / Manager/Head of Audit in any ongoing special assignments like fraud & forgeries investigations etc.

8. Head Business Development – Karachi

Graduate/ Postgraduate degree preferably in Business / Banking or equivalent from an HEC recognized university. Minimum 15 – 20 years of experience in financial institution or related sectors, of which 10 years should have been in senior management roles.

SKILL SET REQUIREMENT:

Post requires an extensive knowledge of SBP prudential regulations and other regulatory requirements, conversant with Bank’s environment of best practices & market norm of Business Development, proven track record of driving business strategies. Customer centric with extensive experience in Assets, Liabilities, Cards Products, Portfolio Management, Alliances & Sales Management with good understanding of Credit, Retail & Commercial Banking, Restructuring/Rescheduling of Loans & Trade Finance.

Main Duties & Responsibilities:

• Develop a Business Plan for the bank while assessing the Priorities along with the Banks’ President. Ensure that the plan meets the expectations of the stakeholders.
• Develop and execute Business Policies & Strategies covering all activities related to the Branch Network, including branch rationalization. Enhance market penetration and ensure effective & efficient management of branch network.
• Ensure measurable growth to the Balance Sheet of the Bank & its profitability through staff rationalization, product development, automation and quality customer service.
• Devise & execute long-term & short-term Commercial & Retail Business goals and set-up commensurate Key Performance Indicators.
• Provide leadership for development of liability and asset product portfolio of the Bank as per the call of the market. Fine tune present available portfolio for effective results.
• Develop & execute consumer banking & Small Enterprise Loan plans.
• • Ensure branch profitability and asses the future needs of branchless banking and launch of paperless environment. Put in place measurable goals for branches and service KPIs.
• Develop a service quality plan with comprehensive service indicators. Develop and introduce customer satisfaction surveys. Build Service Quality Teams to execute & monitor the indicators for continuous enhancement of the processes.
• Build relationship and leaders across the organization to understand issues and identify areas for improvement for the organization develop a team to carry out the business functions effectively and ensure effective management of the staff and direct reports along with the HR Dept.
• Prepare and implement frame work for business discretionary power allocation and monitoring based on qualification skill sets and experience and get it approved from the competent authority.
• Approve credit proposals falling in its discretionary powers as per the given quality / policy and regulatory standards.
• Recommend credit proposals that do not fall in the discretionary powers of Business Head as per the given quality / policy and regulatory standards for approval of higher authority.
• Develop product programs and propose policy parameters essential to carry out the new business initiatives for approval of competent authority.
• Maintain duly authenticated Key MIS up to date at all times and escalate any significant deviations there off to maintain the portfolio quality up to the mark.
• Any other assignment given by the supervisor(s) or Banks management from time to time, keeping in view banks’ need.

9. Branch Manager – Sukkur

Graduate preferably B.Com / Postgraduate degree preferably M.Com / MBA in Marketing, Finance or Economics or equivalent from an HEC recognized university. Minimum 7-10 years relevant experience preferably in financial institutions, with good organizational and management skills and good business acumen. In depth knowledge of SBP cash / currency circulars, prudential regulations, bank’s own SOPs and products, schedule of charges, clearing process, utility bills, prize bonds, operating procedures and features of all types of accounts.  Aware of suspicious transactions and know how to report the relevant departments as per SOP / compliance.

Main Duties & Responsibilities:

• Draw up a comprehensive business plan based on the situation analysis.  The situation analysis is to be drawn up on SWOT i.e. strengths, weaknesses, opportunities and threats and how best the Bank can capitalize on these factors.
• Implements annual and interim business plans/ budgets finalized by the Regional Manager.  Ensure deposit mobilization and growth of deposit base as per assigned targets.
• Interacts with identified current and prospective clients to increase market share.
• Makes all efforts to attain the planned deposit mix to a level where profitability and pricing of all liability products are taken into account.  Also ensures the ratio of asset and liability portfolio is maintained as per plan, no leakage of Income is caused or penalties are imposed in his / her branch.
• Ensures all internal / external complaints are acknowledged and resolved within the assigned time limit for improved service quality.  Manages customer retention for expanding customer base.
• Ensures that all branch functions (Sales, Operations and Customer Services) are managed as per Business Plan and in line with the Bank’s policies and procedures.
• Ensures that al branch functioning as per Operational, Credit Manuals for optimum controls.  Ensures that adherence to risk procedural parameters, regulatory guidelines set by internal and external regulators for strong controls to ensure improvement of Audit Rating.
• Prepare Annual Financial Plan aided by supplementary plans i.e. Human Resources Plan, Capital Expenditure Plan, Recovery Plan etc .
• Recognize and exploit any business opportunity for increasing profits, keeping in view SBP regulations & compliance.
• Oversee teller, vault and transaction processing units in the branch.
• Help resolve operational issues, regularize transaction deviations and approve transactions as per policy.
• Review system access reports and ensure that branch complies with regulations.
• Meet all types of customers and / or their representatives in branches and their locations.
• Conduct weekly, monthly, quarterly reviews of the target and take corrective actions if the gap between budget and actual widens.  Coordinate between staff as and when required and review their performance and advise to Divisional Head HR.
• Ensure all products have visibility at the branch and staff is knowledgeable about all products.  Keep the branch employees’ updated on all products especially whenever new products are launched.
• Maintain and keep vigilance on the branch security, safety and cleanliness.
• Monitor all branch activities including budget and expenses.
• Ensure compliance with SBP regulations, business planning and development, team motivation and management and P&L management.

10. Project Accountant – Karachi based for a Fixed period of 10 Months Contract

Graduate preferably BBA in Finance / Postgraduate preferably MBA in Finance ACCA/ / ICMA Finalist or equivalent from an HEC recognized university with minimum 2 years of relevant experience.

Main Duties & Responsibilities:

• Managing Receipts and Payments
• Prepares payments by verifying documentation, and requesting disbursements.
• Answers accounting procedure questions by researching and interpreting accounting policy and regulations.
• Complies with federal, state, and local financial legal requirements by studying existing and new legislation, enforcing adherence to requirements, and advising management on needed actions.
• Balancing Accounts and Reconciliation of Accounts.
• Budget Monitoring including expense control (Monitoring of budget which includes but not limited to vis – a- vis comparison of budgeted expenses with actual expenses incurred.
• Maintains accounting controls by adhering to policies and procedures.
• Reconciles financial discrepancies by collecting and analyzing account information.
• Secures financial information by completing data base backups.
• Prepares special financial reports by collecting, analyzing, and summarizing account information and trends.
• Maintains customer confidence and protects operations by keeping financial information confidential.

11. Credit Risk Analyst – Karachi

ACCA/ ICMA/ Postgraduate preferably MBA from an HEC recognized University. Minimum 2 years of experience as Credit Risk Analyst preferably in Bank/ DFI.

Main Duties & Responsibilities:

• In depth and independent credit Risk Analysis of each proposal.
• Preparing Credit Risk analysis Sheet on standard format and would be responsible for the authenticity genuineness of information produced on Risk Evaluation Sheet  (PPT) based on documents/information content in file
• Annual review /Re-validation  of long term loans after receiving up dated documents from Area Office
• Ensure adherence to  Credit Policy /various circulars /instruction issued by Competent Authorities/any division /any other  in house instructions
• keeping knowledge of key issues up-to-date  and making recommendations about procedure/ SOPs  /policy changes
• Analysis and monitoring of Risk rating of customers and monthly migration of portfolio accordingly.
• To review cases sanctioned by Regional Credit Committee under the discretionary powers on monthly basis and submission of comprehensive Report with comments to Line Manager
• To provide technical support to the field regarding financial analysis, loan structure, pricing, collateral / credit documentation, appraisal requirements and problem loan identification
• Any other assignment assigned by Head

12. Officer ICFR – Karachi

ACCA / CA part qualified with articles completed in any of the Big Four Audit Firms (with consultancy department)/ Minimum Graduate preferably B.Com from an HEC recognized University. Preference will be giving to those candidates, who have relevant experience of working on ICFR/ COSO related projects.

Main Duties & Responsibilities:

• Analyzing bank wide process flows, identifying gaps and providing suggestions in minimizing these gaps.
• Create process maps and control matrices for new and updated processes.
• Aide in addressing the gaps, relating to internal processes, identified by internal and external auditors.
• Maintain liaison with key business stakeholders to help develop a thorough understanding of the Business’s risk profile and core processes and controls.
• Conduct walk through tests of all processes included in the scoping document by visiting local / outstation branches and HO departments.
• Completing the roadmap as prescribed by SBP having liaison with external auditors and SBP for completion of ICFR roadmap.
• Review and documentation of new processes for identification of Gaps, development of Risk Control Matrix.
• Review of existing controls for improvement and incorporating changes in the control documentation on ongoing basis.
• Liaison with external auditors / SBP / Departmental Heads.

13. Manager ICFR – Karachi

ACCA / CA part qualified with articles completed in any of the Big Four Audit Firms (with consultancy department)/ Minimum Graduate preferably B.Com from an HEC recognized University. Minimum 3-5 years of relevant experience of working on ICFR/ COSO related projects is compulsory.

Main Duties & Responsibilities:
• To keep updated the Internal Control Manual of FWBL
• Analyzing bank wide process flows, identifying gaps and providing suggestions in minimizing these gaps.
• Create process maps and control matrices for new and updated processes.
Aide in addressing the gaps, relating to internal processes, identified by internal and external auditors.
• Maintain liaison with key business stakeholders to help develop a thorough understanding of the Business’s risk profile and core processes and controls.
• Conduct walk through tests of all processes included in the scoping document by visiting local / outstation branches and HO departments.
• Completing the roadmap as prescribed by SBP having liaison with external auditors and SBP for completion of ICFR roadmap.
• Compilation of results of control testing and preparation of detailed / summary reports for Senior Management / BOD.
• Review and documentation of new processes for identification of Gaps, development of Risk Control Matrix.
• Review of existing controls for improvement and incorporating changes in the control documentation on ongoing basis.
• Liaison with external auditors / SBP / Departmental Heads especially for submission of LFR.
• Assist the management in implementation of internal controls identified in the Gap Reports.

14. System Engineer – Karachi

Minimum Bachelors in Computer Science or Engineering from an HEC recognized university. Minimum 4 years of hands on experience in: Windows 2008/2012 Admin, IIS Admin, Active Directory, File Server, MS Exchange Server, End User Workstation Support, VMWare

Main Duties & Responsibilities:

• Develop business requirement and design documents for implementation.
• Discuss implementation strategy with department head with respect to requirements defined in Information Security Policy.
• Review Windows server event and security logs and take corrective actions.
• Routinely perform upgrades to the existing infrastructure  systems.
• Initiate preventive maintenance on the operating  systems as well as manage repair of system /environment problems.
• Perform proactive analysis of infrastructure capacity and performance.

Applicants may fill employment form by clicking Employment Form link and send their updated “Resume” mentioning the post applied for, and a recent photograph to Human Resource Division, First Women Bank Ltd, S.T.S.M Foundation Building, CL-10/20/2, Beaumont Road, Civil Lines, Karachi or email to hrd@fwbl.com.pk.