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To manage the asset portfolio of the branch with assurance of prudent lending to
the quality customer of Micro financing.
 The responsibility includes the effective and efficient resource management of
loan officer for fresh booked asset portfolio of the bank along with assurance of
100% repayment of the disbursed portfolio, recovery of bank struck portfolio by
managing the team of loan officers and recovery officers designated in the branch
with efficient strategic utilization of recovery resources to reduce the NPL,
portfolio and specific provisions of the branch.
 The ensure the proper implementation of credit policy procedures for extension of
credit facilities to the potential quality borrowers. Reporting of the portfolio
credit portfolio on case to case basis to the concerned quarters for guidelines and
direction enabling bank to produce the desired output.

Ensure borrowers verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant and guarantor based on local knowledge & demographics. It includes verifying genuineness & reliability of information on ILA & group formation and cash flow form. • Ensuring existence of borrower and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants / guarantors • To identify Service quality lapses or breach of ethical / professional behavior by sales teams. • To identify any severe nature non-compliance during verification's & initiating loan application cancellation. • Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines. • Maintain related records /data / information, etc as per defined procedures.

VERIFICATION OFFICER APNA MICRO FINANCE BANK LIMITED MIRPURKHAS Since (02 October 2018 To 31-10-2022…. • Ensure borrowers verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant and guarantor based on local knowledge & demographics. It includes verifying genuineness & reliability of information on ILA & group formation and cash flow form. • Ensuring existence of borrower and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants / guarantors • To identify Service quality lapses or breach of ethical / professional behavior by sales teams. • To identify any severe nature non-compliance during verification's & initiating loan application cancellation. • Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines. • Maintain related records /data / information, etc as per defined procedures.

Verification OFFICER
VERIFICATION OFFICER
APNA MICRO FINANCE BANK LIMITED MIRPURKHAS
Since (02 October 2018 To Continue…. • Ensure borrowers verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant and guarantor based on local knowledge & demographics. It includes verifying genuineness & reliability of information on ILA & group formation and cash flow form.
• Ensuring existence of borrower and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants / guarantors
• To identify Service quality lapses or breach of ethical / professional behavior by sales teams.
• To identify any severe nature non-compliance during verification's & initiating loan application cancellation.
• Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines.
• Maintain related records /data / information, etc as per defined procedures.

BRANCH manager

Assistant System engineer

ASSISTANT Branch Manager

Loan officer