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Loan Officer - ME / Housing Finance

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Industry:
Banking/Financial Services
Category:
Sales & Business Development
Total Position:
35+
Job Type:
Full Time/Permanent ( First Shift (Day) )
Department:
Human Resource
Job Location:
Peshawar, Rawalpindi, Sargodha, Sialkot, Abbottabad, Gilgit
Gender:
No Preference
Age:
28 - 32 Years
Minimum Education:
Bachelors
Degree Title:
B.COM, BA statistics, Economics , Agriculture, Math and Higher Education in same discipline
Career Level:
Entry Level
Minimum Experience:
Fresh
Salary Range:
PKR. 45,000 to 50,000/Month
Apply By:
Jun 8, 2025
Posted On:
May 8, 2025
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.

Required Skills

Financial Statement Analysis, Time Management , Sales Acquisition Skills, Hands-on Problem Solving, Analytical Skills, Communication Skills, MS Excel, Drafting Skils,


We are an equal opportunity employer and value talent diversity at our Bank. We do not discriminate on the basis of age, color, gender, marital status, race, religion, or disability status. Therefore, all qualified candidates are welcomed and encouraged to apply on our positions.
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