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- Processing/reviewing and approval of clean (unsecured) & collateralized (Secured) loan files received from branches all over the network in line with Product Program, SBP Prudential Regulations and Bank s Credit Policy.
- Review the cash flow/Financial tool kit with facts & figures as incorporated in credit file for assessment of limit & repayment capacity of the borrower for all cases.
- Identification of discrepancies, if any, during processing of loan files received from the branches and communication of same to the branches for rectification and resubmission of same for approval.
- Ensure that loan has been approved/discrepant/rejected within given TAT as per agreed SLA.
- During processing/reviewing of loan cases, CBC (call back customer) to be done as and when required to confirm/check details /credentials/ credit worthiness of the borrower/applicant.
- To ensure that the loan cases received from the field are processed, reviewed, compliance check and approved /sanctioned as per TAT mentioned in product manual.
- Ensuring compliance of audit exceptions and compliance of all SBP regulations, the Bank Policies, manuals and SOPs in letter and spirit.
- To ensure timely submission of data/details/report relating to credit as and when required by the stakeholders.
- Maintain and reporting MIS of credit approvals/rejections/ discrepancies to higher management
- - Loan files review and approval
- - Ensure compliance with internal processes, product program and SBP regulations
- - Ensure processing TAT
- - Credit MIS mantinance and reporting
- Hold a Bachelor s degree from a reputable Institution in the fields of Business Administration/Banking & Finance/ Agriculture/Economics/Accounts.
- Have 1 to 3 years of credit and / or operations related experience.
- Essential Skills
- Micro Finance Banking experience/knowledge
- Sound communication and interpersonal skills
- Ability to Work Under Pressure
- Working knowledge & experience in MS Office
- Time Management
- Excellent presentation skills
Job Details
Mobilink Bank
Mobilink Bank is providing banking services to over 42 million registered users including 16+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 100 branches and 200,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
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