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Assistant Loan / Credit Officer
Business Banking Department, Islamabad, Lahore, Peshawar, Bhakkar, Ghotki, Gilgit, Kot Addu, Layyah, Malakwal, Mirpur (AJK), Quaidabad, Yazman Mandi, Kotli, Piplan, Ahmed pur Sial
Apply By Oct 1, 2017
Job Description (total positions: 15, posted on: Aug 31, 2017)

  • The Assistant Loan Officer is responsible for growth of business lending for FINCA, Pakistan in the target market and region.
  • The Loan Officer is focused on community outreach in order to increase visibility of FINCA and originate quality loan applications.
  • The Loan Officer must be driven by FINCAs mission to provide financial services to the Pakistans lowest-income entrepreneurs so they can create jobs, build assets and improve their standard of living.
  • The ALO works with internal staff and external customers to successfully generate quality business loans in their respective markets.
  • The position is directly responsible for business development and sales and will have a specific lending goals to attain during each month.
  • To build a good rapport with clients to make repeat clients.
  • To follow up on delayed installments.
  • To Assist all seniors including Relationship or Branch Manager to initiate collateral liquidation if a client defaults on a loan.
  • Helps RM/BM prepare reports to send customers whose accounts are delinquent, and forward irreconcilable accounts for collector action (whichever applicable).
  • The LO also does cross selling.
  • The Loan Officer typically works under direct supervision and guidance of RM or Branch Manager

Competencies & Training

Core Competencies:

  •        Client focus, Interpersonal skills
  •        Communication planning & organizing, Initiative
  •        Judgment & decision making, Influencing/persuasiveness

Professional Training:

  • Persuasion & influencing, Customer service, Goal setting.
  • Giving and receiving feedback, Communication skills.

Technical Training:

  • Loan products review, Lending cycle, Standards of client service, Client acquisition
  •  Balance, Profit & loss, Screening, Cross check, Financial ratios, Risk analysis
  • Completing form, Loan agreement, Monitoring collections, Symptoms of fraud , Policies & procedures.

Banking/Financial Services
Sales & Business Development
Job Type
Full Time/Permanent ( First Shift (Day) )
No Preference
21 - 33 Years
Minimum Education
Degree Title
B.Com from a reputed institute
Career Level
Entry Level
Required Experience
Fresh - 1 Year