Credit Officer

The Credit Officer at FFO Support Program plays a vital role in managing and assessing credit portfolios to ensure financial stability and growth. This position requires a focused professional with a minimum of three years of relevant experience, preferably within the microfinance industry. The successful candidate holds at least a Functional Area (FA) qualification and demonstrates strong analytical capabilities in evaluating creditworthiness and monitoring loan performance. The role emphasizes managing individual portfolios rather than leading a team, demanding attention to detail, sound judgment, and effective communication with clients and stakeholders to mitigate risks and optimize lending outcomes. In this role, the Credit Officer carries the responsibility of conducting thorough credit assessments, processing loan applications, and maintaining accurate documentation. Strong portfolio management skills are essential to monitor loan repayments and financial trends, ensuring compliance with regulatory standards and the organizations policies. The officer collaborates with clients to resolve issues and provide guidance on credit products while supporting the programs mission to deliver accessible financial services. This position demands a proactive approach to identifying potential risks and opportunities, contributing meaningfully to the overall financial health of the organization.
Responsibilities

Evaluate and process loan applications by analyzing financial status, credit, and property evaluations to determine the feasibility of granting credit.
Manage and monitor the credit portfolio to ensure timely repayment and to identify any signs of potential default or risk.
Conduct site visits and maintain regular contact with clients to assess financial conditions and business operations.
Prepare detailed credit reports and documentation in compliance with organizational policies and legal requirements.
Maintain accurate records on all transactions related to loans to facilitate auditing and reporting activities.
Collaborate with clients to address any issues related to credit terms, payment schedules, and loan conditions.
Identify and escalate potential risks or delinquency cases to senior management for timely intervention.
Support the development and implementation of credit policies and procedures to improve portfolio quality and operational efficiency.
Assist in the preparation of financial forecasts and analyses related to credit portfolio performance.
Participate in training and workshops to stay updated on industry trends, credit management practices, and regulatory changes.

Skills

Portfolio Management Credit Analysis Risk Assessment Regulatory Compliance Financial Reporting Customer Relationship Management

Job Details

Total Positions:

1 Post

Job Type:

Full Time/Permanent

Job Location:

Khushab, Pakistan

Gender:

No Preference

Minimum Experience:

2 Years

Apply Before:

Oct 10, 2026

Posting Date:

Sep 09, 2026

FFO Support Program

· 201-300 employees - Khushab

FFO Support Program (FFOSP) is registered as a Non-Banking Micro Finance Company (NBMFC) which is regulated by the Securities and Exchange Commission of Pakistan. FFOSP was established in 2016 and is widely considered as one of the fastest growing institutions in the sector. FFOSP was created through a structured transformation of the credit and savings department of the Farmers Friends Organization (FFO), an integrated development oriented organization operating since 2003 in District Sheikhupura and its suburbs.