تجربہ

کمپنی کا لوگو
Credit Officer
The First MicroFinanceBank Ltd.
اپریل ۲۰۱۹ - موجودہ | Thari Mirwah, Pakistan

Principal Responsibilities

1. Credit Review & Completion of Loan Documents.

a) Support branches/PBs to meet business targets while ensuring that credit risk is maintained at prudent level as per policy and guidelines
b) Independent desk review of loan files received from business for accuracy & completeness in line with the credit policy & procedures highlight discrepancies (if any) for rectifications removal before further processing
c) Participate in BCC for credit decisions and impart independent judgment on loan application(s) for approval/rejection/refer to ACC or HOCC
d) Maintenance of MIS of all loan applications received, processed, rejected
e) Identification & consolidation of reasons of rejection and onward sharing with stakeholders
f) Coordinate with branch management to improve loan rejection rate and adopt best practices.
g) Conduct post disbursement verifications (as applicable) on sample basis and consolidate findings for onward sharing with Branch Management & Area Credit Managers for rectification and enforcement

2. Pre-Approval Due Diligence/Verification of Borrowers.

a) To conduct pre-approval verification (physical or telephonically - as applicable) to assess the accuracy of information provided by the borrowers). Cross verify credit worthiness reputation and repayment capacity of the applicant(s). This includes verifying genuineness reliability and completeness of information on clan documents
b) Ensure existence of borrowers, their business (economic activity) through cross verification of Fiume & business addresses as per credit policy /procedures. Interact with applicants(s) and properly document the observation.
c) Ensure to assess customer's knowledge of the business and purpose of the loan usage verify and assess the credit history of the applicant w.r.t eCIB-SBP other credit bureau (as applicable) in line with Prudential Regulation Credit Policy Procedures
d) Assess whether borrowers know & understand key terms conditions r

کمپنی کا لوگو
Service Center Incharg
Sindh Microfinance Bank
نومبر ۲۰۱۷ - مارچ ۲۰۱۹ | Sanghar, Pakistan


کمپنی کا لوگو
Micro Credit Officer
Amrdo Foundation
اپریل ۲۰۱۷ - نومبر ۲۰۱۷ | Tando Allahyar, Pakistan


کمپنی کا لوگو
Loan Offcer
ASA Pakistan Ltd.
جنوری ۲۰۱۳ - جنوری ۲۰۱٦ | Tando Allahyar, Pakistan


تعلیم

Shah Abdul Latif University
بیچلرز, ماسٹرز ان آرٹس, M.A‎
Economics
CGPA 2.0/4
2021
Shah Abdul Latif University
ماسٹرز, , B.A‎
Economics
فی صد 55%
2017
BISE Sukkur
انٹرمیڈیٹ / اے لیول, , F.Sc Pre-Engineering‎
FSC Pre Engineering
فی صد 45%
2007
BISE Sukkur
نان میٹرک, Matric in Science‎
Science
مکمل
2004

پیشہ ورانہ مہارتیں

ماہر Emil Writing Skills
ماہر Etiquettes
ماہر Excellent Reporting
ماہر In Page Desig
ماہر Internet Browsing
ماہر MS Windows Installation

زبانیں

ابتدائی پنجابی
ابتدائی سرائیکی
ماہر انگریزی
ماہر اردو
ماہر سندھی