Role and Responsibilities
Credit Origination & Client Engagement
Identify potential borrowers and conduct community outreach within the Shishkat Hunza region.
Conduct pre-screening interviews to understand client credit needs and financial capacity.
Educate clients on product features, terms, repayment schedules, and responsibilities.
Credit Appraisal & Risk Assessment
Analyze loan applications, financial statements, income proofs, business plans, cash flow projections, and credit history.
Perform qualitative and quantitative credit risk assessments according to the Society’s credit policy.
Prepare credit proposals and recommend loan terms, limits, and covenants.
Documentation & Compliance
Ensure completeness and accuracy of all loan documentation including applications, guarantees, collaterals, and agreements.
Verify legal compliance, collateral valuation, and enforce documentation standards before disbursement.
Maintain proper filing and documentation in both electronic and physical formats.
Loan Disbursement & Monitoring
Facilitate timely disbursement once credit approvals are obtained.
Conduct periodic field visits to review client operations, repayment ability, and use of funds.
Monitor portfolio quality and early signs of stress; flag deteriorating accounts for remedial action.
Collections & Delinquency Management
Drive follow-up on repayments, aging analysis, and overdue accounts.
Work with delinquent borrowers to structure repayment plans and reduce portfolio at risk.
Coordinate with recovery teams while maintaining client respect and adherence to policy.
Reporting & Coordination
Prepare regular credit reports, portfolio summaries, risk matrices, and exception reports for management.
Collaborate with Branch Manager, Finance, Operations, and Risk teams to ensure seamless credit operations.
Support internal and external audits relating to credit processes.
Performance Metrics
Loan portfolio quality (Portfolio-at-Risk, default rates)
Accuracy and timeliness of credit appraisals
Number and value of loans originated
Field visit coverage and monitoring rigor
Compliance with internal policies and documentation standards
Client satisfaction and retention rates
Skills and Qualification:
Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field.
A relevant professional qualification (e.g., CA, ACCA, CFA, or microfinance certification) is an advantage.
Experience:
Minimum 1-2 years of credit appraisal, loan underwriting, or microfinance experience.
Experience in cooperative societies, banks, microfinance institutions, or financial services is preferred.
Required Skills & Competencies
Technical Skills
Strong understanding of credit analysis, financial ratios, cash flow evaluation, and risk mitigation.
Proficiency in MS Office (Excel, Word) and credit/loan management systems.
Knowledge of regulatory compliance and Cooperative/Microfinance lending norms.
Behavioral Competencies
Excellent analytical, decision-making, and problem-solving skills.
Superior interpersonal and communication skills in English, Urdu, and local languages.
Strong ethical conduct, client orientation, and ability to work independently.
Cultural sensitivity and familiarity with the geographic/market dynamics of Hunza.