Job Description

(total positions: 22, posted on: June 5, 2023)

Purpose of Job:                                                                                                         

Assist to build & Maintain healthy credit portfolio while ensuring compliance of Credit policy & all the applicable procedures                                                                                                

To authenticate credit application by verifying applicants, relevant documents, cash flows or any other activity as per Credit policy, credit operational manual and product plans          

Location: Peshawar, Lahore, Gujranwala, Faisalabad, Islamabad, Toba Tek Singh, Bhakkar, Bahawalpur, Multan, Rahim Yar Khan, Arifwala, Vehari, Sukkur, Larkana, Nawabshah, Jacobabad, Karachi, Hyderabad, Mirpur Khas,  

Job Responsibilities                                                                                   

• Assessing loan applications for completeness, credit worthiness, accuracy of data in compliance with Credit Policy & Procedures and all other relevant guidelines.
• Ensure to forward cases to Credit & Risk Department on daily basis.
• Ensure the verification of customers, guarantors and their businesses as defined in Credit Policy, procedures and all other relevant guidelines.
• To identify Customer Verification, Service quality lapses or breach of ethical / professional behavior by sales teams / ROs.       
• Identifying non-compliance to credit policy or procedures or any unethical/unprofessional behavior of other team members in a timely manner
• Responsible to ensure completeness of loan documents and assessing that each loan application is in compliance with Credit Policy & Procedures and other guidelines circulated from time to time.             
• Responsible to ensure completeness of loan documents and assessing that each loan application is in compliance with Credit Policy & Procedures and other guidelines circulated from time to time.             
• Ensuring timely verification and submission of cases to avoid delays in the loan application initiation
• Ensure defined TAT of field verification as per applicable protocols.

Technical Skills:

• Sound Knowledge of Microfinance prudential regulations and Ubank's policy, procedures and products.
• Working knowledge of banking computer based software and systems/
• Ability to manage time.
• Ability to meet tight deadlines.
• Ability to handle and work under pressure,

Soft Skills:                                                                                                                   

• Being able to communicate with all the stakeholders effectively
• Possesses Collaboration skills for effectiveness in day to day activities                

Qualification & Experiences:                                                                                                               

• Minimum B.Com/BBA/BSc/BA
• At least 1-2 years credit related field experience

Required Skills