. 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 maintenance 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 2 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 Locations:
Head Office
About MMBL:
Mobilink Microfinance Bank Ltd. 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.
Why Join MMBL ?
This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.