* Ensure Quality approval of loan cases for General and Collateralized loans to ensure completion of loan files in all respects with documentations (Agri Passbook, Tractor, House, Vehicle and Gold backed loans) in accordance with the Bank’s credit policy, credit manual and product program.
* Guide and train the credit team and VOs by imparting guidance and training on all credit and products matters.                     
* Ensure effective review of loan files received from the branches and guide/inform them of discrepancies, if any, pointed out in the files for rectification and taking measures to avoid reoccurrence of such lapses.
* Ensure effective functioning of Credit Administration Unit regarding proper collateral handling and keeping the collaterals/loans properly insured by coordinating with approved insurance companies.
* Handling all issues related to internal /external/Central Bank’s (SBP) Audit/Inspections; ensure compliance of the exceptions pointed out in audit reports within minimum possible time. And also advise corrective measures in order to avoid repetition of such instances.
* Ensure execution of all internal Credit policies and procedures and Prudential Regulations for departmental operation excellence.
* Ensure to keep close coordination with branches and work as a team. Proper guidance should be provided to related branch staff for resolution of issues and to avoid the repetition of errors.
* Provides leadership and expertise to the team encouraging cooperation, teamwork and knowledge sharing. Ensure effectively supervise the internal work flows to ensure maximum resource utilization.
* Secured loans portfolio monitoring on daily basis to ensure proper margins held during disbursement of credit.
* Ensure that CBC (call back customer) is done on sample basis to confirm/check details /credentials/ credit worthiness of the borrower/applicant.
* Ensure provision of data/details/ report relating to credit as and when required.

* On approval of loan cases for collateralized loans to ensure completion of loan files in all respects with documentations (Agri Passbook, Tractor, House and Gold backed loans) in accordance with the Bank’s credit policy, credit manual and product program.
* Examine, review and scrutiny of control/legal documents (title deeds, property registries, mortgage deeds, NEC/EC etc.) to ensure that the said documents are valid and complete in all aspects and legally enforceable.
* Ensure effective post-disbursement review of gold backed loan files received from the branches and guide/inform them of discrepancies, if any, pointed out in the files for rectification and taking measures to avoid reoccurrence of such lapses.
* Ensure effective functioning of Credit Administration Unit vis-à-vis proper collateral handling and keeping the collaterals/loans properly insured by coordinating with approved insurance companies.
* Ensuring maintenance of Security Vault and ensure safe keeping of original credit files, controlled/ collaterals and documents (IB, Security, charge/mortgage, legal, revenue and insurance documents) under dual control.
* To ensure that all PDCs and other legal documents are received from branches invariably; on full an final adjustment of loans collaterals are released properly; PDCs are handed over to Operations at request of Business for lodgment in clearing in default cases; on complete and final adjustment of loans, PDCs are to be destroyed after specified time as per SOP.
* Handling all issues related to internal /external/Central Bank’s (SBP) Audit/Inspections; ensure compliance of the exceptions pointed out in audit reports within minimum possible time. And also advise corrective measures in order to avoid repetition of such instances.
* Ensure execution of all internal Credit policies and procedures and Prudential Regulations for departmental operation excellence.
* Ensure to keep close coordination with branches and work as a team.

* Managing team of credit officers for prompt and quality credit processing
* Directly involved in review and processing of Agri Passbook Loans, Tractor Loans and House loan disbursement
* To ensure adherence to credit policy and defined processes
* Ensure process improvement and quality reviews to simplify and improve loan portfolio productivity
* Review of Loan Application Files received from branches all over Pakistan with TAT assurance & authorization of credit approvals.
* Maintaining TAT while processing the secured and unsecured loan files received through branches.
* Check Compliance with Internal / External Policy Compliance
* Evaluation of Cash flows with the validation of the facts / figures incorporated in the Cash flow.
* To ensure data accuracy (Disbursement & Payment) & timely processing of loan file following TAT and smooth flow of Loan Disbursement.
* Identifications of Discrepancies & Communication with the branches for smooth approval of Credit Files.
* Visit branches all over Pakistan to reevaluate Gold ornaments to asses purity of gold to minimize risk involved in Gold backed lending
* To recheck the rectified entries with source documents for ensuring proper rectification.
* Portfolio Monitoring on daily basis or as advised by line manager
* Providing guidance to VOs (verification Officers) regarding credit policy of the Bank and regulator.
* Coordination with Audit team in audit review and ensuring minimum discrepancies.
* Contributes to overall growth of loan portfolio while working with business banking department

•Provide corporate support and resolve problems in complying with Bank’s Policy & Procedures, SBP Rules and Regulations, maintains good rapport and keep client satisfied to ensure smooth functioning of the Department and Products.
•Provide support to Mobilink MFS corporate team and Mobilink sales teams while dealing with corporate clients related to banking policies and SBP regulations.
•Ensure smooth monthly disbursements in coordination with client, Mobilink MFS and internal concern teams.
•Coordinate with client and ensure delivery of required reports as per requirement of corporate client.
•Coordination with risk and compliance department in the issues related to corporate sector.
•Monitors the handling and examination of Agreements and Account opening Documents.
•Supervises the preparation and distribution of Exhibits/reports required by the management.
•Responds to corporate client’s enquiries/issues related to bank.
•Ensures smooth working of branchless banking corporate client’s deals according to Banks Policy and Procedures.
•Provide complete support in opening of Branch Banking and Branchless Banking Accounts.
•Provide support in development of new procedures and processes related to corporate sector.

•Ensure compliance to SBP regulations, WMBL policies & procedures regarding Branchless Banking operations.
•Work as a preemptive measure to control the compliance risk inherent in the branchless banking operations.
•Responsible to ensure departmental involvement in merchant uptake to improve and enhance BB footprint as per defined policies & procedures
•Provide guidance to the branchless banking agents in performance of their duties in accordance with BB regulations.
•Plan & perform visits to Branchless banking agents to evaluate compliance to the applicable policies & procedures.
•Check on sample basis data and record with the branchless banking agents to ensure efficacy of operations and documents.
•Highlight issues or concerns he has discovered in the course of their compliance reviews.
•Responsible for Cyclic Checks of Agents.
•Report to Manager Compliance any non-compliance at branchless agents in performances of branchless banking operations.
•Facilitate in performance of complaints & Fraud investigation against branchless banking agents and report the outcome to Head Office
•Follow up the issue or concerns highlighted during the compliance reviews and documents the follow up
•Monitor domain field officers, provide guidance and assistance in planning & execution of their job
•Liaison with other departments for resolution of identified non-compliance & issues, resolving complaints and tracking fraudulent transactions/settlements.
•Communicating BB agents the promotions for Bill Payments and Domestic Remittance
•Conducting informal training for PMCL’s Sales teams, Franchise staff and on job retailer training and engagement sessions

• Build and develop quality loan portfolio for the Bank by independent and unbiased verification of the customer and guarantor in a highly professional and prudent manner.
• Ensure that customers who do not have the antecedents, capacity and discipline to
maintain the applied loan / credit do not make an entry into Bank’s Portfolio.
• Keep tap on the market corruptions of all forms and take measures to prevent Bank and its portfolios from its direct and indirect impact and appraise the line manager.
• To be fully conversant and up-to-date in the banking products & market knowledge & to have knowledge of the various products offered by the bank.
• Scrutinize the loan file.
• Ensure all customer records are kept confidential & are protected.
• Conduct physical verification by visiting the residence and place of business of the potential customer and guarantor.
• Undertake re-verification of discrepant cases and give independent opinion.
• Help in market assessment to identify new markets / areas and review existing for final decisions on these.
• Manages & monitors portfolio attrition.
• Take ownership of the portfolio quality and assist in reviews / actions to build quality.
• Ensure adherence to all regulatory & legal requirements set by SBP.
• Report cases with intent of fraud or prospective loss to the Bank in any form to his line Manager/HOD.

• Frontline microfinance sales and service
• Provide customer support service
• Product canvassing and sales, loan booking and account document processing through routine interaction with line management
• Identify new target market and opportunities to support business growth
• Field based client servicing and problem resolution
• Proactive collection perusal, ensuring timely payment of loans
• Portfolio and account level review, problem identification and reporting
• Adopting KYC approach essentially to prevent portfolio erosion and ensure regulatory, policy and procedural compliance to contribute towards better risk ratings
• Awareness of services standard amongst the target clients
• Maintain frontline relationship with existing and potential clients
• Sales team management
• Cash flow based credit assessment and front-end delinquency management
• Responsible for Providing Micro Credit Facility to those people who don’t have access to any financial institution.
• Giving presentations to customers.
• Forming small social groups and arrange meetings with groups.
• Assessing the customer using Standardized tools such as: Cash Flow Analysis, Credit Scoring, Physical Verification and finally the necessary documentation required for Loan.
• Responsible for Disbursement and Recovery of loan.
• Responsible for inwards & outwards customer’s queries & correspondence