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Credit Officer
Business Banking Department, Sukkur, Khair Pur, Nawab Shah, Pannu aqil, Tando Allahyar
Apply By Mar 12, 2018
Job Description (total positions: 15, posted on: Feb 12, 2018)

 

  • 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, and Monitoring collections, Symptoms of fraud, Policies & procedures.

 

 

Industry
Banking/Financial Services
Category
Sales & Business Development
Job Type
Full Time/Permanent ( First Shift (Day) )
Gender
No Preference
Minimum Education
Bachelors
Career Level
Entry Level
Required Experience
1 Year - 2 Years