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Wealth Management
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Credit Officer (Relationship Officer – Assets)

Department Reports to
Credit Officer (Relationship Officer – Assets) Credit Manager / Branch 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

DIMENSIONS

Financial:

 Volume of Assets: Rs.150M (minimum), % of target growth: 25%

People:

 No. of Customers: 50 (minimum)

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

PRIMARY INTERACTIONS WITH OTHERS

Internal Interactions

Who

For what purpose
Credit Analysts, Credit Hub Head (Credit Hub For processing/approval of credit proposals and guidance & support in credit functions
CRC Officer Unit Heads (CRCD) Regularisation/Rectifications of all deviations by completing all credit formalities with ensuring smooth functionality
SAMG Officers (SAMG) Transfer of loss category asset portfolio
Import/Export Officers/Managers, Trade Officers (TSC, Treasury & Forex Group) Opening of LCs, Lodgement/Retirement of import documents, confirmation of treasury rates, etc in coordination with Manager Forex

External Interactions

Who

For what purpose
Customers Business Development & Promotion of Credit Products
Regulatory Authorities & Central Bank Regulatory Control
Professional Advisors (Lawyers, Accountants, etc) Legal Advise
External Agents (Stockists, Mucaddams) Pledge / Hypo Stock Reports

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 visit https://careers.mcb.com.pk/

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