savera zaidi

* Conducted comprehensive audit of corporate and commercial branches of Habib Bank limited * Successfully completed audit of a corporate branch consisting of over 600 employees * Analyzed financial data and made necessary suggestion for critical adjustment * Compiled working paper and prepared audit reports * Conducted special assignments, and executed corporate policies * Conducted exercise related to short recovery of mark-up and other KIBOR (Karachi Inter Bank Offer Rate) related Finances * Directly reported to the Director General Audit * Ensured that branches are adhered to established bank policies, procedure and regulation

* Financial Control of the branch * Prepared and maintained budget of the branch on monthly basis * Completed Financial Reporting of the branch to Head Office, Area Office and Central Bank * Check and balanced on the daily financial transactions in the branch. * Supervised the daily payment vouchers and makes analytical review over the branch income and expenditure on monthly basis. * Supervised the maintenance of accounts ledgers. * Gave feedback with innovative recommendations over the banking application systems and procedures * Administered online banking function * Managed branch payroll

* Successfully tested and implemented computerized accounting system of the data of over 50,000 creditors from manual records * Reported financial and credit reports to Head office / Central Bank on weekly, monthly, quarterly, half yearly and annually * Reported directly to Credit Bureau regarding all loan accounts on monthly basis * Assisted Government and organisation in verifying information of the borrowers in regard to the financial matters * Supervised all entries relating to collection of loan and properly checking corresponding interest account * Prepared aging of loan account * Generated NPL report over 180 days and send it to collection department * Processed payroll of staff and calculation of deductible taxes. * Controlled branch office expenses in accordance with Budget * Handled of all the books of accounts like Loan Ledger, General Ledger, Petty Cash and subsidiary books of Accounts etc. * Liaison among different departments like loan disbursement, collection and marketing department * Timely submitted withholding and sales taxes * Maintained and checked Security Stock inventory