To develop and update Policies / Manuals containing financing parameters and guidelines for the bank.
To ensure implementation of contents and formats of Credit Policy and implement amendments and changes in Prudential Regulations through notification and circulars to Branches / Areas.
To provide brief summary of proposal to ECC through Credit Memorandum on Corporate loans after receiving complete files from Business along with their recommendations.
Approve SME / PMYBL loans after receiving complete file from SME via Business.
Annual review of long term loans after receiving up dated documents from Area Offices.
To approve any other requests received from Business Division related to advances e.g. approval of Commodity financing, Issuance of NOCs, change in terms and conditions etc.
To provide technical support to the field regarding financial analysis, loan structure, pricing, collateral / credit documentation, appraisal requirements and problem loan identification.
Liaison with SBP on Credit issues from time to time.
Liaise with Customers through Business Division to resolve issue of financing & facility / collateral structure.
Liaise with IT for development of Credible MIS.
Liaise with Legal In-House & External on issues relating to financing.
Liaise with CAD.
Maintenance of Insurance Limits.
Approval of recovery / settlement of stuck up loans on the basis of proposals received from Head of Recovery.
Credit Division provides brief summary of proposal through Credit Risk Review (CRR) on all types of financings after receiving complete loan file from Business Division along with their recommendations. (Corporate / Syndicate / SME)
First Women Bank Ltd. is a unique financial institution, a Scheduled Commercial Bank and a development financial institution for the socio-economic empowerment of women. The Bank was set up in 1989 by the Islamic world’s first woman Prime Minister Benazir Bhutto (Shaheed), who wanted a bank that would meet the banking needs of women entrepreneurs. FWBL was incorporated as a Scheduled Commercial Bank in the Public Sector as a Public Ltd. Company on 21st November, 1989 under the Companies Ordinance, 1984.