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Job Description

Primary Responsibilities 

The role of the Credit Officer – MSME / SME Risk is to assess the credit worthiness of borrowers with business derived income. This is a hands-on position which will require in depth analysis of various factors such as business profitability, liquidity, and solvency to objectively determine the viability of the business in supporting a steady stream of income.  

  • Act as the key liaison for field agents performing income verification checks, ensuring that all necessary information required is collected for the purposes of assessing credit worthiness 
  • Perform analysis on formal (well-established, large) and informal (undocumented, small) sector business financials 
  • Validate information and supporting documents provided through channel partners on income verifications such as NTNs, sales registers, invoices, etc. 
  • Perform site visits to MSME / SME & other cottage industries place of busines if required 
  • Contribute to a deeper understanding of the resilience of various industry/sectors in Pakistan 
  • Develop and enhance the business scoring model internally to scale up the credit decision making process 

Required Background/ Experience: 

  • Bachelor’s degree in Accounting, Economics or Finance 
  • At least 5 years of experience in a loan officer, credit officer role specializing in business entity risk with a demonstrated ability to perform in depth financial analysis 
  • MS Suite proficiency, especially Excel 


  • Trellis offers a competitive compensation scheme as well as an opportunity for quick progression subject to performance  
  • Provident fund, Gratuity & Health Insurance covered  

Job Details

Total Positions:
1 Post
Job Shift:
First Shift (Day)
Job Type:
Job Location:
No Preference
Minimum Education:
Career Level:
Experienced Professional
5 Years - 7 Years
Apply Before:
Nov 06, 2020
Posting Date:
Oct 05, 2020
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Trellis Housing Finance Limited

Banking/Financial Services · 11-50 employees - Karachi

This is a very exciting opportunity to work alongside the founding members of this organization to establish and scale a truly innovative FinTech business model that strives to become the benchmark of how to galvanize social development and transform societies within a short period of time. Trellis ...Read More

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