| Job Title: |
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Loan Officer - ME / Housing Finance |
| Category: |
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Business Development |
| Total Positions: |
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35+ |
| Job Location: |
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Peshawar, Rawalpindi, Sargodha, Sialkot, Abbottabad, Gilgit |
| Gender: |
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No Preference |
| Age: |
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28 to 32 years |
| Minimum Education: |
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Bachelors |
| Degree Title: |
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B.COM, BA statistics, Economics , Agriculture, Math and Higher Education in same discipline |
| Career Level: |
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Entry Level |
| Minimum Experience: |
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Fresh |
| Salary Range: |
|
PKR 45,000 to 50,000 per Month |
| Apply By: |
|
Jun 8, 2025 |
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| Job Description: |
1. Business Growth
- Identify new MSME/ small business enterprises in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.
- Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
- Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.
- Prepares and execute loan contracts and arrange for disbursement of loan.
- Receive feedback of MSME clients for product enhancements and new product requirements.
- Gain insight on competitor's product offerings for MSME clients and provide feedback to the line manager.
- Cross-sell other KMBL products to clients, especially liability products.
2. Service Quality
- Maintain good relationship with MSME clients and promptly address their queries.
- Meet internal service standards and ensure no service related complaints are received from customers.
3. Portfolio Management
- Monitor MSME loans and ensure timely repayment.
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| Company Information |
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Company Name: Khushhali Microfinance Bank Limited - (KMBL)
Company Description:
Founded in the year 2000, Khushhali Microfinance Bank Limited (formerly known as Khushhalibank Limited) was a part of the Government of Islamic Republic of Pakistan's Poverty Reduction Strategy and its Microfinance Sector Development Program (MSDP). MSDP was developed with the facilitation of Asian Development Bank (ADB). With its headquarters based in Islamabad, Khushhali Microfinance Bank (KMBL) operates under the supervision of the State Bank of Pakistan (SBP). The bank's board comprises of seven members including leading commercial bankers, fund managers and microfinance experts from across the globe. The mandate remains to retail microfinance services and to act as a catalyst in stabilizing the country's newly formed microfinance sector.
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