1.Meet or exceed established KPI\'s/ Targets as assigned bymanagement for advances volume,profitability,and new SMErelationships.2. Generate new SME Relationships from own efforts(personelnetwork, existing customers,trade associates,etc) as well asreferrals from other departments and existing customers.3.Remain up to date on bank/SBP regulations reagrding SME/Commercial lending.4.Ensure that all existing and new SME relationships are incompliance of bank/ SBP regulations reagrding SME/commercial lending.5.carry out full due diligence of prospective customers in orderto ascertain their credit worthiness, repayment ability, marketreputation, and business viability, in order to arrive at prudentrecommendations and justifications on credit line proposals.

Business Growth.Portfolio Management.Compliance.Service and Quality

Pre disbursement & client quality verification. 1.Scrutinize and verify information;Documents;Collateral and other detail regarding applicants as narrated in the loan aggrement. 2.Ensure genuineness of loan requirement;Business;applicant;gurantor and collateral to ensure that loan will not be hijacked or misused. 3.Guide and support branch team members in execution of day to day credit ;recovery and default management procedures / practices. 4.Regularly assess clients repayment capacity (whether performing;non or written off loans) through re-analysis of loans status of current business:assets;collateral and activities of gurantors (replacement of gurantors) including social behavior. 5.Visit vendors/ collateral evaluators to check their credibility and worthiness. Portfolio Analysis and default management. 1.conduct portfolio quality level negotiations at branches ;analyze past performance in termsof target achievements and loan losses ; and propose workable proposals/solutions for adoption. 2.Follow up on delinquent portfolio and ensure recovery bench marks are achieved. 3. Coordinate with branch sales team to ensure that product wise default ceilings and recovery efficiencies are maintained as per annual bank strtegies / benchmarks . 4.Review and provide feedback to are coordinators on portfolio quality performance of respective branch. 5.Implementation of recovery & default management strategies and action developed by portfolio quality team within respective branches. 6.Create and share recovery & develop reports with are coordinators. Compliance and reporting 1.Ensure credit policies and guidelines are being adhere to at the respective branch. 2.Provide a monthly report to area coordinator regarding branch performance and policy adherence /implementation. 3.Ensure prompt actions on all branch portfolio (credit) related audit and compliance reports based on feedback from area coordinators management.

1.Business Growth implement approved sales/service plans to achieve growth objectives by agreeing micro level sales/service delivery plans with RM and ensuring on track performance .
2.portfolio management proactive collection perusal,ensuring timely repayment of Grouploans and negotiation directly or through other elements included KMBLS distribution channel.
3.complianceconduct Group loan booking instrict comliance with KMBLS policies ,procedures and ethics standards facilitate in implementing internal control standards in letter and spirits.
4.service quality meet internal service standards and ensure no service complaints are received from customers.

1.Business Growth: implement approved sales/service plans to achieve growth objectives by agreeing micro level sales/service delivery plans with RM and ensuring on track performance .
2.portfolio management: proactive collection perusal,ensuring timely repayment of Grouploans and negotiation directly or through other elements included KMBL’S distribution channel.
3.compliance:conduct Group loan booking instrict comliance with KMBL’S policies ,procedures and ethics standards ;facilitate in implementing internal control standards in letter and spirits.
4.service quality: meet internal service standards and ensure no service complaints are received from customers.

1.Business Growth: implement approved sales/service plans to achieve growth objectives by agreeing micro level sales/service delivery plans with RM and ensuring on track performance .
2.portfolio management: proactive collection perusal,ensuring timely repayment of individual loans and negotiation directly or through other elements included KMBL’S distribution channel.
93.compliance:conduct individual loan booking instrict comliance with KMBL’S policies ,procedures and ethics standards ;facilitate in implementing internal control standards in letter and spirits.
4.service quality: meet internal service standards and ensure no service complaints are received from customers.

1.Branch operations including cash handling,client servicing,accounting and credit operation.
2.Introducing and selling products and services to walk –in clients,clients verification,opening client accounts and Related documentation,preparing and process cash receipts and withdrawal slips ,record keeping of all Transactions,identifying accruals/payments and preparing related accounting documents