Experience

Bank

• Pakistan
• Banking
• 1 - 100 Employee

• Verification Officer

  • Apr 2013 - Present

  Key Responsibility Areas: 1. Compliance of Credit Procedures: This includes Proper assessment of credit requests, detailing appropriateness of loan size, purpose and tenor. A. Responsible to ensure completeness of loan documents and assessing that each loan application is in compliance with Credit Policy & Procedures and other guidelines circulated from time to time. B. Responsible to ensure that valid and accurate data input is made in credit MIS from source documents related to cash flow & Loan applications. . 2. Pre-disbursement Borrower’s Verification: A. Ensure defined 100% of borrowers’ verification as per applicable protocols. Major responsibility is to verify credit worthiness, reputation and repayment capacity of the applicant and guarantor based on local knowledge & demographics. It includes verifying genuineness & reliability of information on ILA & group formation and cash flow form. B. Ensuring existence of borrower and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants / guarantors C. To assess whether borrowers and guarantor know & understand important loan terms, repayment amounts, due date of repayments and guarantee concept and their obligations in case of non-payment. D. To identify Service quality lapses or breach of ethical / professional behavior by sales teams / ROs. E. To identify any severe nature non-compliance during verifications & initiating loan application cancellation. 3. Reporting, Record/Data Maintenance and System Security: A. Ensure adequacy and timeliness of daily / weekly / monthly reports as per schedule & guidelines. B. Maintain related records /data / information, etc. as per defined procedures. Show less



Kashf Microfinance Bank Limited

• Pakistan
• Banking
• 1 - 100 Employee

• Credit Risk Officer

  • Dec 2011 - Apr 2013

  Job Descriptions: 1.Loan Verification's: This includes Proper assessment of credit requests, detailing appropriateness of loan size, purpose and tenor. A. Completion of the Loan application, related documents and requirements after receiving loan file from the branch. B. Visits residence of the clients to check the household situation including expenditure and financial responsibilities as well as awareness about the loan taking of applicant. E. Prepare a recommendation report for approval/rejection/deferral of the loan proposal based on his/her findings and give the file to Manager Risk for Approval. 2. Loan Recommendations/Credit Committee: Part of the credit committee meeting (amount deems appropriate by CRM and Risk Management Committee) at branch for loan recommendation. 3.Portfolio Review: Analyze monthly trends of the portfolio of the assigned branch (concentrations of portfolio in different businesses, concentration of PAR by Loan officers, businesses etc) and give suggestions for improvements in the area of credit management and reducing credit risk. 4. Annual Loan Review with CRM: Assist CRM in preparation of branch loan review of any other branch, participate in on site work and report writing as and when required. The loan review will include but not limited to: F. Assess the quality of loans in the portfolio G. Work with the branch staff to ensure that all Audit objections regarding the credit have been addressed. K. Assess the need for staff training and skill development. 5. Knowledge Exchange Program: Every month one CRO writes a one page publication on any topic related to credit policy, lesson learned, things to do while conducting meeting with guarantor, client etc and send the publication to CRM for final edits. CRM then issue this publication to all branches. Show less



King Tex Fair Line Silk Factory

• Lahore

• Marketing Officer

  • Jan 2011 - May 2011