Posted Apr 03, 2024 179 views
- Micro Finance Banking experience
- Sound communication and interpersonal skills
- Ability to Work under Pressure
- Proficient in MS Office
- Time Management
- Credit Review & Completion of Loan Documents
- a) Support branches to meet business targets while ensuring that credit risk is maintained at prudent level as per policy and guidelines;
- b) Independent desk review of loan files received from business for accuracy & completeness in line with the credit policy & procedures; highlight discrepancies (if any) for rectifications / removal before further processing
- c) Participate in branch Credit Committee for credit decisions and impart independent judgment on loan application(s) for approval / rejection) Maintenance of MIS of all loan applications received, processed, rejected;
- e) Identification & consolidation of reasons of rejection and onward sharing with stakeholders;
- f) Coordinate with branch/ management to improve loan rejection rate and adopt best practices.
- g) Conduct post disbursement verifications (as applicable) on sample basis and consolidate findings for onward sharing with Branch Management & Manager Credit Verification/ Head risk analytic for onward sharing with business for rectification and enforcement;
- Pre-Approval Due Diligence /Verification of Borrowers
- a) To conduct pre-approval verification (physical or telephonically - as applicable) to assess the accuracy of information provided by the borrower(s). Cross verify credit worthiness, reputation and repayment capacity of the applicant(s). This includes verifying genuineness & reliability and completeness of information on loan documents.
- b) Ensure existence of borrowers, their business (economic activity) through cross verification of home & business addresses as per credit policy /procedures. Interact with applicants(s) and properly document the observation if any.
- c) Ensure to assess customer s knowledge of the business and purpose of the loan usage. Verify and assess the credit history of the applicant w.r.t CIR (as applicable) in line with Prudential Regulation / Credit Policy / Procedures.
- d) Ensure vigilance & identify serious non-compliance issues during verifications & document the observation(s) and report to line Managers immediately.
- Credit Culture & Compliance of Prudential Regulations/Credit Policy/Procedures
- a) Inculcate culture of credit compliance in line with bank s policy / frameworks / prudential regulation / guidelines;
- c) Adherence of Credit Policy/ / Procedures / Guidelines circulated from time to time.
- d) Ensure Credit Policy & Procedural changes are implemented in branches circulated from time to time;
- e) Ensure that exceptions are obtained and documented as per policy before approval.
- Gold Smith Onboarding/Gold Assessment
- a) At the time of onboarding goldsmiths on the branch panel, VO to physically verify his credentials as per the banks policy.
- b) Conducting Quarterly Verification of Goldsmiths and dispatching verification reports to HO.
- Supervise gold auction process.
- Hold a Bachelor s degree from a reputable Institution in the fields of Business Administration/Banking & Finance/ Agriculture/Economics/Accounts.
- Have 1-2 years of credit and / or operations related experience.
Job Details
Mobilink Bank
Mobilink Bank is providing banking services to over 42 million registered users including 16+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 100 branches and 200,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
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