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Credit Officer
Business Banking Department, All Cities
Apply By Oct 4, 2018
Job Description (total positions: 35+, posted on: Sep 4, 2018)

  • The Assistant Loan Officer is responsible for the 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 the visibility of FINCA and originate quality loan applications.
  • The Loan Officer must be driven by FINCAs mission to provide financial services to 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 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-sell.
  • The Loan Officer typically works under the 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, Crosscheck, Financial ratios, Risk analysis
  • Completing form, Loan agreement, and Monitoring collections, Symptoms of fraud, Policies & procedures.


  • Reporting to the Relationship Manager Asset

About the Benefits:

  • Market Competitive Salary will be offered¬†as per experience
  • FINCA Microfinance Bank Ltd is an Equal Opportunity Employer.


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