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Job Description

  • Compliance of Credit Procedures

    ·         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 that valid and accurate data input is made in credit MIS from source documents related to cash flow & Loan applications.

    ·         Ensure to forward cases to CCU (Credit Control Unit) on daily basis

    ·         E-CIB report review

    ·         Gold Smith verification on quarterly basis

    ·         Visit reverification of watch list account DPD 5 to 90 days

    Pre-disbursement Borrower’s Verification

    ·         Ensure verification as per applicable approved policy. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant and guarantor.

    ·         Ensuring existence of borrower 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 & initiating loan application cancellation to Head Office.  

     

    Reporting, Record/Data Maintenance and System Security

    ·         Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines.

    ·         Maintain related records /data / information, etc as per defined procedures.

    ·         Maintain & secure Credit MIS / files from unauthorized access, programs.

    Co-ordination in the Branch

    ·         Coordinate & align activities with branch management to cope with seasonal business fluctuations   & credit cases flow.

    ·        Ensure following defined turnaround times for each activity to better client service

Job Details

Total Positions:
2 Posts
Job Shift:
First Shift (Day)
Job Type:
Department:
Credit Department
Job Location:
Gender:
No Preference
Minimum Education:
Bachelors
Career Level:
Experienced Professional
Minimum Experience:
2 Years
Apply Before:
Aug 22, 2019
Posting Date:
Jul 22, 2019
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Mobilink Microfinance Bank

Banking/Financial Services · 1001-1500 employees - Pindi Bhattian, Talagang

Mobilink Microfinance Bank Limited (MMBL) is Pakistan largest digital bank with over 15 million mobile wallets. Backed by Global Telecom - VEON Co., MMBL started operations in April 2012 and launched branch-less banking operations under the brand name JAZZCASH in partnership with Pakistan's l ...Read More

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