Loan Officer @ Linko International Pvt Ltd

Job Summary

We are looking for enthusiastic candidates who are self-motivated, energetic and knowledgeable individual to join as Loan officer.

•  Responsible for initiation of loan files as instructed by line manager
•  Responsible for sales and recoveries without involving any outside person or activist against sharing of incentives or kickbacks.
•  Collect recoveries and increase non cash recoveries using easy paisa channels.
•  Evaluate credit worthiness by processing loan applications and documentation within specified limits.
•  Ensure recoveries from DPD clients and control default and delinquency ratio while report the findings to the line manager/branch manager
•  Focused on community outreach in order to increase visibility of the bank and originate quality loan applications.
•  Identify market and customers for MF lending under rules and regulations of SBP Prudential Regulations.
•  Interview applicants to determine financial eligibility and feasibility of granting loans.
•  Assess customer needs, explore all options and introduce different types of loans.
•  Develop referral networks; suggest alternate channels and cross-sell products and services.
•  Maintain a regular contact with the customer to remind them of their loan repayment obligations in a congenial manner and timely update the line manager/branch manager
•  Carry out any other task assigned by line manager/branch manager.
•  Incumbent shall be responsible to adhere by Telenor Microfinance Bank Behaviours & Values in all aspects of his/her work conduct.
•  Ensure that a culture of risk and compliance management is implemented, and institute performance measures tied to individual risk and compliance responsibilities
• Male and Female both can apply.

Required Skills

• Time Management skills
• Selling Skills
• Negotiation skills 
• Problem Solving Skills