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Job Description

  • Post Disbursement Verifications of Loans disbursed during the preceding month.
  • The officer will do verification of 20% loan cases disbursed by the branch during previous (preceding) month. CMD will provide list of 20% of borrowers disbursements made during a month and the officer will perform post verification of said borrowers on following parameters. Keeping in view the risk profile of concerned branch, the sample may be increased by CMD.
  • To verify creditworthiness.
  • Reputation of the customer.
  • Ensure the loan was utilized for the purpose it was taken off.
  • Repayment capacity of the Borrower.
  • Ensuring the existence of borrowers and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants/guarantors.
  • To assess whether borrowers and guarantor know & understand important loan terms, repayment amounts, due date of repayments and guarantee concept and their obligations in case of non-payment.
  • To identify any severe nature non-compliance during verifications.
  • Report regarding the field observations to be submitted to Credit Management Department on monthly basis so as to reach the report 10th of every month.
  • Pre verification of the borrower’s credentials on need basis when required by Credit Management Department (CMD), HO.
  • Responsible to ensure that before submission of loan application and documents for approval, the case is in compliance with the bank Credit Policy & Procedures and other guidelines circulated from time to time.
  • Responsible to ensure accuracy of data input made in credit MIS from source documents related to cash flow & Loan applications.
  • Ensure prevision/attachment of positive E-CIB report of the borrower with the case.
  • On the time of onboarding goldsmiths on the branch panel, VO to verify his credentials as per the banks policy.
  • Visit the Goldsmith on the Bank panel on quarterly basis and submit the report to CMD latest by 6th of the following month.
  • Submission of all verification MIS/reports as per prescribed format to CMD on monthly basis latest by 5th of the following month.
  • Verification of the prospective BB customers if the working within functional limit of the branch.
  • Any other assignments received from Manager Credit verifications.

Job Details

Total Positions:
1 Post
Job Shift:
First Shift (Day)
Job Type:
Credit Department
No Preference
Minimum Education:
Career Level:
Entry Level
Minimum Experience:
2 Years
Apply Before:
Jan 28, 2021
Posting Date:
Dec 28, 2020
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Mobilink Microfinance Bank

Banking/Financial Services · 1001-1500 employees - Gujrat, Muridkay, Peshawar, Pindi Bhattian, Piplan, Sialkot, Talagang

Mobilink Microfinance Bank Limited (MMBL) is Pakistan's largest digital bank with over 20 million registered and 8 million active digital wallets. Backed by VEON Co., MMBL started operations in April 2012 and launched branch-less banking operations under the brand name JAZZCASH in partnership with P ...Read More

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