MCB Bank Pakistan

Credit Officer

DEPARTMENT	REPORTS TO
Retail Banking	Credit Manager

JOB Description

Provide assistance and implement sales strategies for managing asset and credit portfolio of the branch and achieving new-to-bank growth targets (increasing volume of asset portfolio) while observing strict compliance of credit manual, SBP policies, circulars, KYC / AML policies and procedures.

PRINCIPAL ACCOUNTABILITIES

No.	Accountability	%Time
1	Selling of asset products to new-to-bank clients after evaluating financial risks and obtaining legal advice to achieve asset sales targets. Carry out the valuation of properties for liquidation by following bank’s defined procedures.	30%
2	Commence the credit initiation process by gathering information and drafting credit proposals, to ensure credit decision making is in line with credit policies, SBP, Prudential Regulations and overall business objectives.	15%
3	Prepares credit approvals for customer by ensuring credit applications are correctly prepared in accordance with the bank’s policies.	15%
4	Ensures there is no security shortfall and the credit proposal is complete for disbursement of all finances as per credit manual / circulars.	20%
5	Monitors performance through MIS reports and presents results to management at regular intervals for watch list accounts with follow-ups for recoveries & handling of classified finances by issuing legal notices	10%
6	Timely preparation & submission of all required credit statements & CRMIS data to improve the credit process and provide marketing support to credit products.	5%
7	Balancing of all related GL heads & books to ensure the balances are inline with the number of transactions done	5%

KNOWLEDGE AND EXPERIENCE

Knowledge and Skills:	Graduate Degree from a recognized university (preferably MBA) Knowledge of Credit Risk Analysis,/Credit Risk Governance Frame Works & Practices and SBP Prudential Regulations Understanding of banking operations, money markets, regulations and risk management
Experience Profile:	Banking experience of 2-3 years
Behavioural Competencies:	Good communication/interpersonal skills, approachable & friendly

Important Note

“Females and Persons with disabilities having required skill set are encouraged to apply . MCB bank Ltd is an equal opportunity employer and is committed to create an inclusive environment for all employees.”

To apply for this position please share your resume at [email protected] Do not forget to mention the title of the position in the subject of your email.

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Credit Officer

JOB Description

PRINCIPAL ACCOUNTABILITIES

KNOWLEDGE AND EXPERIENCE

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