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Job Description


To ensure the smooth functioning of assigned portfolio with maximum business development activities to generate new prospects for achievement of assigned targets in compliance with Bank’s policies and regulations. Continuously monitor customer satisfaction and take proper measure and initiative to improve overall service level. Also ensure proper housekeeping of the allocated portfolio including timely renewals of limits and recovery of dues / markup /commission from assigned credit portfolio.


Business Development & Credit Initiation:

  • To perform marketing & business development activities to generate new prospects for achievement of assigned targets.
  • To have complete knowledge of all Retail Lending Products and Policies, Retail Lending services and detail of prevailing markup rates and all relevant service charges for sharing with customers to convince them to extend best services are being provided by HBL.
  • Timely Processing and providing information & documentation for quality credit line proposals to be developed by Credit Factory, conducting in-depth analysis of: financial & market position, security/collateral, technical capability of the borrower, as and when required.
  • Assess customer needs and structure /negotiate credit facilities / trade deals according to their requirement that also attracts earnings for the bank while containing risk factors at an acceptable level.
  • Besides overall portfolio growth, also strive to ensure achievement of the assigned targets of specific Retail Lending Product.
  • Conduct regular visit and call customers to ensure flawless service quality.
  • To have complete grip of all HBL products & services to grab cross selling opportunities for prompt response of customers of each category and enhanced customer service level.

Data Collection, Document Completion & Analysis:

  • Review and analyze client’s financials, credit history, account standing in for pre-approval assessment.
  • To continually assess operational risks inherent in the business, considering changing economic, legal/regulatory, market conditions, process/procedure changes, management restructuring and new technology and inform Credit Factory and supervisor accordingly to facilitate approval.
  • Work as a liaison between customers and Credit Factory from the time of credit underwriting till final approval from higher authorities.
  • To collect customer’s data including pre and post approval documents for credit approval & CAD completion.

Compliance and Credit Risk Monitoring & House Keeping:

  • Ensure that KYC / AML and other compliance of all regulatory/Banks policies.
  • Initiate documentation for client credit files, and ensured internal system integrity.
  • Monitoring/mitigating risks associated with portfolio.
  • Monitor utilization of funded & non funded facilities by customers to ensure utilization of facilities for the approved purpose only.
  • Ensure that the credit/ lending functions are managed with the Bank’s laid down credit policies & procedures.
  • Update themselves about the latest policies/ regulations of State bank of Pakistan & other regulatory bodies.
  • Follow up and monitor assigned relationships to ensure satisfactory account conduct, compliance of risk covenants and early rectification of various credit related issues.
  • To have complete grip over assigned portfolio and recommend appropriate early warnings where required.
  • To ensure proper housekeeping of the allocated portfolio including timely renewals of limits in line with policy of the bank, submission of stock reports and insurance policies where required.
  • Timely recovery of dues/markup/commission from assigned credit portfolio.

Customer Service

  • Continuously monitor customer satisfaction and take proper measures and initiatives to improve overall service level.
  • Provide quality services to the existing and potential clients.
  • Regular coordination with coverage / support teams including Branch network, Risk Management, CAD and CTP etc. to improve overall TAT to provide utmost service quality.

  Qualifications - External



  • Graduation, preferably with Finance Background


  • Fresh OR up to 2 years' relevant experience in banking sales

Job Details

Total Positions:
25 Posts
Job Shift:
First Shift (Day)
Job Type:
No Preference
Minimum Education:
Career Level:
Entry Level
Minimum Experience:
Apply Before:
Mar 22, 2021
Posting Date:
Feb 15, 2021
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Habib Bank Limited (HBL)

Banking/Financial Services · More than 5000 employees - Bahawalpur, Faisalabad, Gujranwala, Gujrat, Hyderabad, Islamabad, Jhelum, Karachi, Lahore, Mardan, Mirpur (AJK), Multan, Muzaffarabad, Peshawar, Quetta, Sahiwal, Sargodha, Sialkot, Sukkur

HBL believes in serving the nation and building the country strong. We are always at the forefront to support noble causes and promote the social & cultural activities in the country. The Public Relation Division of HBL sponsors various social, cultural and sports events to generate healthy activiti ...Read More