1. Pre-Disbursement VerificationOnsite pre-disbursement verification of the clients, guarantors & co-borrowers in line with credit policy & procedures in order to assess the character, capacity, capital and conditions of the parties involved in lending.2. Post- Disbursement Verification Onsite post disbursement verification in order to assess the correct utilization of the loan amount availed by the borrower.3. Risk AssessmentsPeriodic risk assessment of asset portfolio through porfolio reviews to mitigate recovery risk & for effective portfolio management.4. ReportingReporting of the findings identified through pre/post verification checks to line manager and suggest mitigations to improve portfolio quality.Reporting the findings through assessment of other stakeholders linked asset portfolio5. Other TasksAssistance in identification of client during handing/taking of asset portfolio.Assistance of the portfolio review team in RCSA exercise, fraud invetigations, and independent collateral assessments.Other tasks assigned by the line manager.

divpResponsible to ensure completeness of loan documents and assessing that each loan application is in brcompliance with Credit Policy & Procedures and other guidelines circulated from time to time.brEnsure to forward cases to Credit Department on daily basisbrResponsible to ensure that valid and accurate data input is made in credit MIS from source brdocuments related to cash flow & Loan applications.brEnsure defined  of borrowers verification as per applicable protocolsbrTo assess whether borrowers and guarantor know & understand important loan terms, repayment bramounts, due date of repayments and guarantee concept and their obligations in case of nonpayment.brTo identify Service quality lapses or breach of ethical / professional behavior by sales teams / ROs./p/div

Accepting cash deposits/cash receipts from retail/commercial customer, Count Cash, Securitize bank notes (Counterfeit, soil etc.), giving customers their receipts and taking acknowledgment on bank copy.KEY RESPONSIBILITIESResponsible for SOD/readiness of cash counter before Bank Timing.Accepting cash deposits/cash receipts from retail/commercial customer, Count Cash, Securitize bank notes (Counterfeit, soil etc.), giving customers their receipts and taking acknowledgment on bank copy.Recover charges as per SOC. e.g. online payment, overdue charges on loan installment.Responsible for collection of utility bills & record keeping according to FMBL Policy.Responsible for maintaining the cash at the counter under assigned insurance limitsCustodian of strong room & cash vault keys during & after Banking hours for any misuse, lost or stolen etc.Replenishment of cash in ATMResponsible for posting of all branch expense inaccurate hPLUS GL Heads and maintain branch budget sheet on daily/monthly basisReconcile all cash transactions at the end of the day and balancing the cash book before leaving the counter. Ensure transactions and activity reports are accurate and completeDistribution of fresh cash in adherence to SBP guidelines and maintain a complete record.Ensure adherence to all SBP & FMBL guidelines for maintaining SBP cash sheetEstablishment and maintenance of the strong rapport with the client handles all customer requests in a timely manner, Looks for ways to improve efficiency and reduce turnaround time and provide best customer servicesEnsure post-sale service to the client, Promotes the banks products and services consistently cross-sells bank products at every opportunity

Administrative writing and reporting skillsOffice AdministrationStaff SupervisionTraining/ DevelopmentCustomer ServiceCrisis ManagementTime ManagementProject ManagementOperations ManagementTeam Leadership