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Credit Administration Officer

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Banking/Financial Services
Accounts, Finance & Financial Services
Total Position:
Job Type:
Full Time/Permanent ( First Shift (Day) )
Retail Branch Banking
Job Location:
All Cities
No Preference
Minimum Education:
Career Level:
Entry Level
Minimum Experience:
1 Year
Apply By:
Dec 23, 2022
Posted On:
Nov 23, 2022
Job Description

Key Responsibilities:

1. Collateral Documentation and Initiation Scrutiny

  • Securitization of Loan Documentation to ensure compliance of Credit Administration Procedures & applicable PRs etc.
  • Ensure perfection of Collateral prior to Loan Authorization in compliance to Credit Administration Procedures aligned with terms of security.
  • Ensure valuation of collateral securities in accordance with Credit Approval.
  • Execute data checks to ensure that applicant is not a defaulter of KMBL or any other institution.
  • Ensure safe keeping of credit security documentation. 

2.     Review and Analysis of ILA & Loan Documents

  • Ensure compliance of Credit policy and other guidelines circulated regularly.
  • Completion of pre-disbursement formalities in line with Credit Administration & Operational Procedures.
  • Ensuring Credit Approvals are as per approved discretionary powers at each level.
  • Ensuring that any deviations in loan application are highlighted and corrected by respective staff. 

3.     System Input and Loan Disbursement

  • Ensure that valid and accurate data input is made in the system from source documents related to cash flow, credit scoring & Loan application.
  • Ensure credit disbursement is made in accordance with credit approval.
  • Ensure completion of credit cases and forwarded to BTU on daily basis.
  • Provide administrative assistance to marketing staff allowing them to concentrate on credit and marketing affairs to increase revenues

4.     Audit & Compliance

  • Coordinate for audit of Credit Documentation & Processing by internal/ external/SBP Auditors.
  • Responsible for timely compliance of audit observations.  

5.     Customer Services

  • Maintain TAT in processing of customer verifications to ensure zero delays in disbursement.
  • Provide support to branch in achieving sales targets by cross-selling KMBL products, particularly liability products.

 Required Education & Experience:

  • Preferably a Bachelor in Commerce, Business Administration, Math/Statistics, and preference will be given to a Master degree.
  • Preferably one year of experience in the banking sector.


  • Clear understating of KMBL credit procedures, Prudential Regulations, Corporate Governance, Khushhali Bank/MFI ordinance, International Finance Corporation Policies, SPTF and SMART Campaigns.
  • Sound knowledge of microfinance/consumer lending principles and comprehension of prudential regulations.
  • Strong PC skills, specifically in MS Office suite.
  • Able to work independently and in a fast paced environment
  • Strong financial analytical skills
  • Excellent customer service and interpersonal skills

Exhibits and upholds KMBL’s values and social performance objectives.

Required Skills

Credit Documentation & Processing, Banking Sector Knowledge, Microfinance, Analytical Skills,

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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