💼 Job Type: Permanent
🏢 Department: Credit Management
📊 Grade: OG-I
👥 Positions: 1

About the Role

Mobilink Microfinance Bank Limited (MMBL) is seeking a dedicated and detail-oriented Verification Officer to support branch operations in maintaining healthy credit portfolios while ensuring compliance with the bank’s credit policies and risk management framework.

The successful candidate will play a key role in loan verification, credit assessment, risk identification, compliance monitoring, and branch support to ensure sound lending decisions and portfolio quality.

Key Responsibilities

Credit Verification & Assessment

• Conduct independent reviews of loan applications and credit files to ensure accuracy, completeness, and policy compliance.
• Perform pre-approval and post-disbursement verifications through physical visits or telephonic checks.
• Verify borrower identity, business operations, home and business addresses, and loan utilization purposes.
• Assess applicants’ creditworthiness, repayment capacity, reputation, and credit history.
• Identify discrepancies and recommend corrective actions before loan processing.

Credit Risk Management

• Participate in Branch Credit Committee meetings and provide independent recommendations for loan approvals or rejections.
• Monitor adherence to credit policies, procedures, prudential regulations, and internal controls.
• Identify and report serious compliance concerns and credit-related risks to management.
• Ensure all policy exceptions are properly documented and approved.

Reporting & Documentation

• Maintain accurate MIS records of all loan applications received, processed, approved, and rejected.
• Consolidate rejection reasons and share findings with relevant stakeholders.
• Prepare verification reports and maintain proper documentation of observations and recommendations.

Branch Support & Training

• Coordinate with branch teams to improve loan approval quality and reduce rejection rates.
• Conduct functional training sessions and capacity-building activities for branch staff.
• Promote a culture of credit compliance and risk awareness across branch operations.

Gold Loan Operations

• Physically verify the credentials of goldsmiths during onboarding as per bank policy.
• Conduct quarterly verifications of approved goldsmiths and submit reports to Head Office.
• Supervise gold auction processes where required.

Additional Duties

• Support branch management during seasonal business fluctuations.
• Perform other assignments as directed by the Line Manager.

Eligibility Criteria

Education

🎓 Bachelor's Degree from a reputable institution in:

• Business Administration
• Banking & Finance
• Agriculture
• Economics
• Accounting
• Related disciplines

Experience

💼 3–5 years of relevant experience in:

• Credit Verification
• Credit Risk Management
• Banking Operations
• Loan Assessment & Monitoring

Skills & Competencies

✔ Strong analytical and verification skills
✔ Sound understanding of credit policies and banking regulations
✔ Excellent documentation and reporting abilities
✔ Risk assessment and decision-making capabilities
✔ Strong communication and stakeholder management skills
✔ Attention to detail and compliance-oriented mindset

Why Join MMBL?

Mobilink Microfinance Bank Limited serves over 48 million registered users across Pakistan and is a leader in financial inclusion through innovative digital and microfinance solutions.

At MMBL, you'll have the opportunity to:

• Contribute to meaningful financial inclusion initiatives.
• Work in a dynamic and technology-driven environment.
• Grow professionally through continuous learning and development.
• Be part of a team committed to innovation, collaboration, and customer success.

🔎 Source: Official Careers Portal
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