Job Summary
Khushali bank is currently accepting applications for the position of Loan Officer.
Job Description:
- MSME is the primary point of contact with all MSME clients in assigned area. Responsible for generating new MSME clients, processing relevant loan documentations and monitoring loan portfolio.
- Ensure prompt delivery, repayment of MSME loans and provide periodic portfolio information.
Key Responsibilities:
Business Growth:
- Identify new MSME/ small business enterprises in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.
- Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
- Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.
- Prepares and execute loan contracts and arrange for disbursement of loan.
- Receive feedback of MSME clients for product enhancements and new product requirements.
- Gain insight on competitors product offerings for MSME clients and provide feedback to the line manager.
- Cross-sell other KMBL products to clients, especially liability products.
Service Quality:
- Maintain good relationship with MSME clients and promptly address their queries.
- Meet internal service standards and ensure no service related complaints are received from customers.
Portfolio Management:
- Monitor MSME loans and ensure timely repayment.
- Maintain continuous contact with MSME clients so that loan is recovered on timely basis.
- Continuously follow up with MSME clients for timely repayment and negotiation directly or through other elements included in KMBL’s distribution channel.
Compliance:
- Conduct, complete and process MSME loan booking / documentation in strict compliance with KMBL’s policies, procedures and ethical standards.
- Thoroughly review KIM manual to understand products and processes.
- Deeply study the Prudential Regulations to ensure complete compliance.
Skills:
- Good business networking and client servicing.
- Well organized with good communication & time management skills.
- Action oriented and able to work independently.
- Basic MS Office skills particularly MS Excel.
- Fluent in local language.
- Willing to travel across KMBL network.
- Exhibits and upholds KMBL’s values and social performance objectives.
Required Skills
Education:
- Master’s in Business Administration, Commerce, Economics, Agriculture, Banking or Accounting from an HEC recognized / overseas university
Experience:
- Prior relevant experience would be a plus.
Required Skills
- Doodle, Time Management Skills, Customer Dealing,
Interested candidates can apply at above given link
